What do directors Wes Anderson, Terry Gilliam, and Kenneth O'Hanagan all have in common? A 19-year-old actor whose name is Lucas Heges, he is an incredible talent, and he's sitting with me here today. If you could take one guy to an island with you and you knew you'd be safe, if it was between me and your father, who would you take? My daddy. There have been a lot of films about grief. What do you think makes Manchester by the sea a unique experience? It's about a place in Massachusetts and a place in America that I think does a good job of representing how men in this country, how we're raised to deal with our emotions. It can teach us a lot about how crippling it is to deny ourselves the right to cry when we lose someone. Why do you think humor is such an important part of this film? So this is something Kenny and I talked about a lot. If you have a really great comedy, it has to be rooted in some dramatic truth. And it's the same exact thing for a drama. No great dramas are purely dramatic. We're not going to be here that much longer. I'm not moving to Boston, ugly. Yeah, I don't want to talk about that right now. You said you left your money so you could move. Yeah, that doesn't mean. Anyway, what's in Boston?  So what? You could do that anywhere. There's plenty of toilets and clogged up drains all over town. I don't want to talk about it. All my friends are here. I'm on the hockey team. I'm on the basketball team. I got to maintain our boat now. I work on George's boat two days a week. I got two girlfriends, and I'm in a band.   I've tried to put it into words what Kenny gave me on this film. And I find it difficult only because it's hard to describe how much he was there for me and how in between every single take, it was almost as though he was going through the character's journey with me and for me and just to support me. I never, for a single second, felt left behind by him. And I feel that I felt that way about directors. I feel that some directors are just waiting to finish the scene so they can move on and don't really feel like protecting their actor's performances. Matt was telling a story the other day that I thought was interesting, which was about Robert Duvall and how Robert Duvall said to him when he was on one of his first films, like play the contradictions. If it's a happy scene, go into the scene sad. Like walk into the room sad so that you have a place to go. And also just like when you have to cry in a scene. And when we cry in life, it's not because we want to cry. It's because we resist the crying. Manchester by the Sea is devastating and beautiful. And you can see it. It's coming to a theater near you very soon. For more of Lucas' hedges, please keep coming back to uprocks.com and fandommonium.


So as I said, we're going to talk about cash sweep. So I'm going to talk generally about the concept Thing is about cash sweep is excess cash. There's a concept of excess cash Now is it possible for someone to have excess cash? Well, I don't think so everybody everybody Okay, so let's say it means take out an an excess cash from project and keep it in Suspense onto further notice. Okay Yeah, so that's kind of the idea to let you have excess cash But really what you want to do with the excess cash is Cash is the raw material of any business, right? You shouldn't let cash sit down there doing nothing cash should work for you And the way cash can work for you is cash can repay some very expensive debts that you're paying That you're paying interest on so if you have very expensive debt most companies have various cadres of debts You have senior debt junior debt senior senior senior debt you have overdraft They have all sorts of ways of financing your business In fact, there are only two ways of financing your business Which is you have your financial business with either equity or debt, but excess cash Where do you place it you use it to pay down the most expensive debt you have But in paying down the most expensive debt there are certain covenants some debts What we call senior debt now that senior debt may not be the most expensive debt But you you can't use that money to go and pay some other debt You have to you have first of all you have to meet your obligations for senior debt And then if you meet those obligations and you still have cash left Then you can use that cash to kind of pay down some other debt or pay down an overdraft or something like that That's what you use excess cash for and that's really what a cash sweep does so it just kind of Treasurer we decide on what you're going to sweep out of your financials your for your funding or restructuring your finance your funding Whatever funding you have for your business by using the cheapest possible financial Mechanism yeah, whether it's equity or debt so and then maybe what's left behind you can pay is as dividends Who knows so that's what cash sweeps do and you hear something like cash flow waterfall A cash flow waterfall just means think about it think about a bucket, right? There's a bucket and you're pouring water out of that bucket. So when you pour what let's say you have smaller buckets under When you pour what water from a big bucket into a small bucket, it's gonna overflow So once it overflows, let's assume it now overflows into a cup and then that cup now overflows into a Another tiny smaller cup So that process of cash coming from that big bucket pouring into a smaller bucket and that bucket overflowing and overflowing is a waterfall So just want you to think about a waterfall. That's what the cash flow waterfall is So you pour excess cash into one debt you finish that debt you pour to the next step pour to the next step Maybe the last that doesn't get any cash In that situation you probably need an overdraft you need to go borrow some Temporary money to meet those obligations. So that's what it is But in a model you have to do it dynamically you have to build it in a way that is very easy and your model automatically updates So when there's excess cash, it goes to pay off debt when there's no excess cash You need to look for funding and your model will check for funding Maybe you need to get another loan if it's possible or get an overdraft But if funding is not available and you have obligations you have to get equity You need to bring in some equity in there or else you go under So that's typically how cash sweeps work and and then the cash flow waterfall So kind of the same concept So as he says a cash sweep or debt sweep is the mandate mandatory use of excess free cash flow To pay down outstanding debt rather than Rather than distribute it to shareholders But it's not really mandatory in the sense that you can decide what you want to do So management may decide no, we're not going to do it. But really it's prudent It is prudent to use cash to pay off expensive debt instead of cash sitting there in your current account And you're still rolling debt. You should use it to pay off debt Right now if you can use the cash to do a better higher pay and return Why not you should use it in your business if your business The return on investing in your own business is like 50 percent And your debt is 20 percent. Please don't pay off the debt. Just keep on investing in your business Yeah, yeah, so you're settling debt ahead of the scheduled time. Thank you. I mean that's very true So if you're settling debt ahead of the scheduled time, you're using a cash sweep But there could be covenants The cash sweep could come with covenants So the bank could say you are not allowed to pay off this debt until after three years If you pay it early, you're going to have a penalty So that penalty you need to kind of add that rate into your interest rates and use that to compare or calculate and say, okay Should we still pay it off or not pay it off? Is this penalty too much? So that's the typical things you look at when you're talking about a cash sweep So look at this example for example, we have a cash sweep When the excess cash is less than the total debt. So Look at our excess cash. We have 250 let's say 250 million excess cash And look at our debt. We have hundred one debt is hundred that two is 80 that three is hundred So total debt we have is what? 280 So it doesn't make sense for your cash to be sitting there in your assets while your debt is 280 and paying interest So a good idea would be to sweep it right to just clean it out So by sweeping it what we've done is we've moved from a cash of 250 has been wiped out And our debt too has been wiped out up to only 30 30 million debt left. Yeah, so we wiped out most of our debt. So this is how cash sweeps work But the issue is you How are you going to wipe it out to me when you're wiping it out in your model? Of course, you want to wipe out maybe senior debt first junior debt But I think wipe out the most expensive debt first So you need to have a dynamic model in a way that you can automatically wipe things out You decide what you want to wipe out am I wiping out debt a first or debt b first or debt c first or debt e first So that's how it's going to work But I would like us to let's discuss around the concept. So you understand the general concept of this cash sweep So we've swept Cash being 250 million in cash excess cash We use it to sweep 250 million in debt. So we're left with 30 because our debt was 280 So what about if your cash is not up to or let's say it's in excess of your sweep So you have 300 million in cash, obviously and you have debt of 280 million. Well It's simple maths. You just wipe out That cash and then you have 20 million in cash left. So you used you used the 280 million you had 300 million in excess cash. So you'll have 20 million cash left So that's that's just it. So so that's that's how you sweep financial modeling institute And for those just joining us as I said, I'm going to talk a little bit about cash sweeps I'll talk again about cash sweeps for the actual mechanics of a cash sweep or cash flow waterfall I'll record it in our studio and I'll send you guys the link So here I'm seeing about the competition the financial modeling Competition that we're going to do and we're going to announce the winner's next webinar Which is next next third Thursday of the month. What date is that third Thursday of next month is what let's see third Thursday of next month is 16th so announce the winner on the 16th of next month and Yeah, and to be able to participate you need to join the meetup group financial modeling meetup group so financial modeling institute is a new body and They are kind of like me making cfa, right? So cfa is chartered financial analyst and the people that use financial modeling are financial Analysts and accountants accountants and financial analysts. Those are the real two people that use financial modeling And I can tell you for a fact that the syllabus for cfa charter financial analyst syllabus really doesn't have much on modeling or even practical modeling. Yes, so even SSA chartered account and the only certification that I know has a little bit more modeling in it is sima So sima is chartered institute of management accounting But I can tell you for free modeling skills is one of the most needed skills in finance If you're a very good modeler, you will absolutely never ever ever be unemployed And one nice thing that someone told me is you can do what we call you can get some Private jobs that could probably pay a big chunk of your of your rent For you so you could get private jobs you do someone's doing a business plan You just do the model for them and charge some really good money. So Getting that skill is extremely valuable, especially if you like numbers And what I like about this institute is they have broken it down. It's very practical So level one for example, if I click on level one up here level one is called advanced financial modeler and what it needs is accounting skills Finance skills and microsoft excel skills. Those are the three main skills. It needs accounting finance and excel You don't need investment evaluation skills So you just need accounting finance and excel and you're going to build a model from scratch from beginning to end You're building a detailed model Financial model for a company for five years. So you need to know how to build a model. That's your exam That's your level one exam for hours. So once you go to this website, go to level one You should be able to see resources somewhere down here self-study see body of knowledge skill checklist exam sample exam Study guide approved training providers training courses So you'll be able to check that. I think training courses you should see our course there So our course is um, let me see the brown consultants here We are here advanced financial modeler course 10th to 14th of september But this is the one you will get free you get this free of charge if you Win the price right? So that's us. So we are one of the training providers for the financial modeling institute So that's level one level one Anyone that does level one, you should be pretty comfortable in your work with level one But level two level two goes a little deeper So level two goes a little deeper and you will need to have accounting skills finance skills investment skills valuation skills And microsoft excel skills You need to be an expert in excel and then maybe advance in everything else for that's level two So level two's body of knowledge Is i'll just show you what that is So the body of knowledge for level two. This is uh, it here you need to Well for level two exams revenue You need to really break revenue down far more detailed than you did in level one operating cost created detail cost structure With all sorts of um caveats Um, you need to do your depreciation calculations. Your calculations are just a bit like level one, but far more advanced Far more advanced and dynamic So you need to build a lot of dynamism into your calculations, right? So so that's your level one. You can download this full thing Later on your own Okay, let me even download this now. I could just say download. Oh boy See four and nine people. Yes Anyway, okay, so Let's see that so that's download excellent So now that's level two for me level two Is for people that are really deep into finance and want to do some valuations want to understand Appraisal of businesses and stuff you want to be a more advanced when you're doing level two Level three. I think is only for consultants. I don't think people that work in industry should do level three Level three is master financial modeler If people like myself and stuff that you'll be doing level three because it's it's a bit deeper deeper deeper and it's It's mostly for consultants because as someone working in an in the industry you will probably not need all those skills You wouldn't really use them You use them if you're the type that builds models every month or something and There are different kinds of models you need to build. So that's for level three So level three the exams haven't started yet. It's a new certification So level one that has started level two is starting. You think october That's this october coming level two exams are starting So, please go ahead and try and register for this. Let me get back to our slides It's very very useful. It's something that you would really really gain from Okay, so the website, let me just add the website to your link right now so you can see it yeah so Just just make sure you join our meetup group so that you can participate in the You can participate in the draw All right So and then again, let me show you what else you can do For those interested as well, please go and get some free training here. We have some Free training in the pre-work. Let me give you some good tips. You can get a free training So this is the course you're going to do To become your advanced financial modeler.  So there's some free videos here So I think let me send you guys a link. You don't need to pay a whole what $2,000 You can get some for free. Let me give you A link. I'm giving you a link to this online pre-course So go and do at least the free ones go and watch the free videos So you could learn a few things for free Yeah, go learn the mastering lookup functions Building kpex time value of money calculations and stuff like that integrity checking and the likes for financial modeling All right So the cash sweep when the excess cash is more than the total debt So debt for cash sweep repayments. I have your written earnings. So if I go next, let's say Return earnings cash sweep when the excess cash is more than the total debt. Oh, well Well, the excess cash kind of goes into paying dividends. So your dividends your shareholders get more dividend There's a school of thought right that cash is not owned by the business Cash is owned by the shareholders Because if you think about cash Cash to me how you use cash and excess cash is a strategic decision And those strategic decisions are the end of the day If you have excess cash and you don't know what to do with it You really need to give it back to your shareholders. Your shareholders will find you find what to do with that money So I think it's a little bit irresponsible for companies to just have cash sitting down doing nothing You're either using it to reduce cost by reducing interest interest payments Or if you can't do anything with it give it back to your shareholders. So For apple, for example, apple has market loads of money sitting there as cash And some people think well, if you're just having cash sitting there I mean Yes, you are making a lot of profit and if you're not going to convert that cash into maybe growing Maybe you've already outgrown yourself then give us back the cash But it's like a cushion So I think and they can invest in other businesses Okay. Um, so I may not ask some questions. I don't know question. What was the question? How would how would we pain for an external benefit? What how would So justing I don't understand your question. You said how would Me pain for an exam benefit me. Oh, how would me pain for an exam benefit me? Oh, so so justin The problem like I'm an employer right the problem we have as employers is this We have a role and the role requires financial modeling skills And then somebody sends a CV and says I have modeling skills And we do the interview and we're like, oh, you have modeling skills If the interviewer has time, they will give you a modeling test and of course you fail the test So you fail the test and they've just wasted their time Now to confirm that you have modeling skills if you have a certificate Which is like the AFM certificate level one that says you are an advanced financial modeler I don't need to ask you or confirm whether you have modeling skills You absolutely have modeling skills because the certificate is valid The certificate is a confirmation of your skills. So that's really why we go to school. That's why we do University and stuff is a confirmation of your skills Okay, so it's a confirmation of your skills. Yeah, so I think that advanced financial modeler level one Is the confirmation of your skills to give you traction and it's something that we will build up later people start knowing about it Because when it comes to deals and in an organization any strategic position in an organization requires a very good modular So let me see another question from tolia. Hi, david employed Hi, david employed for life. Happy to hear this. Yeah, however My fear is that a software could be created to do all these things a few years and modelers could seem Redondant what's your take on this? Excellent. Thank you for that question. So yes, a software could be created That could do all and I can tell you right now Yes disruption is going to happen They're going to be tools and stuff that will automate the modeling process But the thing about software is you should think about it as an add-on You should learn that software You should learn that software and enhance how you currently build your models It's just going to mean that your models are going to be far more How not complex they may do the the the basic stuff But then you will probably Understand the predictive analytic power of machine learning for example And you're modeling that and you're bringing that predictive power machine learning into your own financial modeling So let's assume all the regression and stuff and you bring that in because the hard work of calculations is being done by the the software but that that high level thinking That that you your brain has more than any software currently You do that higher level thinking and bring all sorts of scenarios to bear and explain those projections to your boss or to your bosses So you be a financial model predictive analytic experts Using those same models, but at a higher skill set So maybe whatever it is you're currently doing yes it to be automated But it just means there's going to be more complex work to do and you need to go learn that go and learn Especially interpretation. How do you visualize what it is you've projected? So you need to just learn more I don't think it will completely replace it to replace some things But you just need to keep on being ahead ahead ahead ahead ahead Which is why you need to read and read and read more and continue practicing more Yes, things are going to be disrupted no doubt, but just be ahead of that curve So that's totally that's okay. I have more questions. The exam doesn't give you materials for texts to help you study Oh, yeah, the exam doesn't give you stuff to help you study You need to have you need to go to one of their providers and learn You need to go to one of their providers and so like us for example, you need to go and learn But then you can buy books. So check out the books section There's some recommended books. So let me go to modeling books So if you don't want to go to any provider, just go and read books Some people can learn with books. So if you look at the link guys, I have the link for you For the books if you click on that link, they have the recommended books. They have let me see Let me just share the screen with you again. So you can see that. Thanks for that question that makes sense Share So, uh, so you have financial modeling books I think we have all these books, but the thing about books is Yeah, the each of these books probably I found our pages. Which one would you read, right? There's so much knowledge out there And if you can get someone to curate or to reduce that into a course and then guide you in what is required That's fine. Some people are very good at reading on their own Some are not Like people here, how many of you can take a book read on your own and go pass an exam? How many of us have that ability here? I think I do I kind of like that. So me I'll say yes I can read I can just get the books sit down read everything and then go write the exam I won't say I always pass but But that's that's what's good for me. So some people are readers. Some are writers some Some it depends. It really depends Yeah, so Justin says what kind of company will require fmi skills? So what kind of company will require financial modeling skills? I can say company. Well, it's not more like company every company needs to look at the future every company needs to plan So most of the time you hear them say hey budgeting. We're budgeting What is budgeting a budget is a model a budget is a forecast Most likely a forecast for most people do three year rolling budgets So that forecast is financial modeling and what do you end up seeing? Let me tell you the scenario I see in most companies worldwide They're doing a budget Then everybody has this budget meeting the head and everybody are they are sitting at this budget meeting They agree some kind of assumptions and then some analysts now goes and builds a model or a budget They come for that meeting again, and then they say, oh, no, what about this? What about that? What about the meeting is filled with what about what about what about? Then they now close the meeting they come for another meeting They check the next assumption they come for like five meetings If you have a very good modeler, it's just one meeting you require one meeting All the what if what if what if you'll be done in the meeting you change this assumption change that assumption change this assumption And they see the effect right there So it's someone that really has those modeling skills that will be able to do that Unfortunately people have excel skills not really modeling skills You need accounting skills finance skills excel skills investment skills valuation skills All the skill sets into one and then you now have excel where you build a model with all the skills It's very difficult to have one person with all the skills Which is why it's very difficult to find very good financial modulus So every company needs it especially on the strategic side So the strategy senior management heads of the company. That's where the skill set is needed So you'll be in board meetings. You'll be answering Questions about your data because you are the modeler and when they have come to make certain very critical decisions They want to invest in a new pipeline. They want to invest in a new venture They want to stop a business or or restart a business You are the one that would advise with all the numbers coming from accounts Accounts gives you all those numbers. So, yeah, it's what kind of company will require fmi skills Every company in the strategic level higher level companies so let me see Which other question so this has turned to a q&a session guys. I hope you don't mind Um, the exam doesn't give you materials for text to help your study. It does actually It gives oh well the text. Okay. That's what I answered with these books. So these are the books That they recommend so you could go to amazon.com to buy them Um, let me see which one would I recommend here if you don't know accounting get this book This is the only one you need you don't need any other accounting book. This one is a huge book if I give out my Camera on I should Let me just check the book I'm just going to go look at I have it in my shelf right now. See how many pages it is. It's huge Okay All right I have that book in my hand right now I have not opened it one bit to read because I am I'm supposed to be a fellow of the institute So I think I know accounting pretty well, but it has geez a thousand It has a thousand three hundred pages so It's very very heavy Has one thousand three hundred pages. So yeah, this is all the only accounting book you will need for modeling books Which one would I recommend? I think this book by Um Danielle she's in based in Australia. I think She it's really really good that is using excel for business analysis And then I also recommend this one building financial models to the top left. So this book and this book. Yeah Uh, I think that's it for the rest You can get it online really So that's that's that any other questions guys anyone just type out any questions Okay Okay Okay, so what kind of company would okay, that's it. All right. So guys you finish asking questions. That's excellent. Um as I said If you don't have any more questions I will Need to let me see Budgeting accounts So cash sweeps unfortunately, I can't open excel. So as I said about cash sweeps we We can just finish the slides of the cash sweeps and I'm going to record this content I promise to record the contents and send you guys a link So you would see something very cool on On what's it called on our youtube channel? Yes So the effects of cash sweeps so the effects of cash sweep means you save a lot of money By using money to save money you're paying off very expensive debt And uh you save money by interest rates or reduced interest Payments. So that's why you use cash sweeps. Okay, so your recent interest payments cash sweep methods There are various methods for cash sweeps. So when we do when I show you the demo The main thing you need to understand is the two most important functions for calculating cash sweeps, right? The two most important functions are max and min So max function And your min function Then for those that know modeling You need to learn I would like calling masks something called masks and then there's something called flags There's a mask some flags So a mask in in excel when you say true when you you say hey has this condition been met? And you do a formula that results to a true true in excel is one and false in excel is zero So you do all those conditions true false true false and that's how you calculate it Okay, so the books take you through the basics of accounting For excel modeling. No, the books don't do anything about excel. They just take you through accounting in general and if you guys are patient in a couple of months, we're going to have an accounting course that Breaks down accounting in a completely different way and makes it so so easy for you to understand accounting For those that have attended our course, you will notice this statement We used to say that if money enters your pocket debit your pocket That's all you need to know about double entry accounting when money enters your pocket you debit your pocket Because accounting is important But you don't need to be a chartered accountant to do become a very good financial modeler You just need to understand the general general idea behind Analyzing the financial statements Understanding financial statements. You don't need to go deep into double entry. You should understand That your p&l has revenue and expense your balance sheet has assets and liabilities So of course owners equity is like a liability to the business So that's all revenue and expense asset and liability Your revenue is a credit balance. Your liability is a credit balance. Your expense is a debit balance Your assets the debit balance and what the accountants do with IFRS or international financial reporting standards Is decide whether something is an asset or an expense and decide whether something is revenue or a liability That's typically it and then for the liability side That's where your funding comes from your funding comes from long-term and short-term liabilities Which is like debts loan equity and current liabilities And your uses of funds are your assets So your assets are your fixed assets and your current assets as the accountants We call it non-current assets what I just still call it fixed assets Yeah fixed assets and current assets is your uses of funds use cash to buy Assets right and where does the cash come from where does funding come from from debts equity and short-term liabilities like payables Accounts payable if someone if you owe someone money and you don't pay him It's like the person has given you a loan. So that's all about the accounting you need Then you need some more Advanced accounting like okay deferred tax. How do we handle deferred tax? How do we handle minority interests those smaller intricate things that you will need to know the Calculations of and how you enter them into your model So accounting is key, but you don't need to know everything just what you need just a little of what you need So yeah, so your cash sweep methods just a method. So that was the demo fmi advanced modeler exams. Okay, october is the exams Okay, and then they were talking about that. So did you get the name of the second book? Hmm, didn't get the name of the second book. Okay, the books I was recommending where Okay, let me go back to this share screen Okay, in fact, I would actually recommend this accounting fundamentals by Mary Moore Accounting fundamentals Then I would recommend Using excel for business analysis a guide to financial modeling fundamentals. I would recommend this Then that's using excel for business analysis. Then I recommend this Well, if you know accounting, right, don't waste your money if you don't know accounting Yes, buy this big book If you know accounting, please just go and go and do some small revision You don't need to buy an accounting book if you know accounting, right? If you don't know accounting, definitely you need I think this one to the right. It's quite a huge book So I recommend this big book called financial and managerial accounting And then I would recommend using excel for business analysis I would also recommend building financial models second edition this one But there's a third edition now actually building financial models Then I would recommend this accounting fundamentals It's a small book on accounting fundamentals by Mary Moore. So those are the books I would recommend But I'll also recommend that you attend a course So if you can attend our own course on modeling, we'll teach you how to model from scratch from a blank spreadsheet For a detailed model up to your detailed the P&L balance sheet cash flow projections even a small valuation as well So you'd learn thorough thorough modeling But guess what guys go on to this platform And learn if we go to the advanced financial modeler and go learn Go watch some of the free videos. This is the pre-work. So this is not even a course This is the work course you would do before you come for the classroom for five days And eventually this would become a full-fledged course for the full financial modeling level one So take modeling seriously, especially you guys here that I think are accountants and financial analysts. I think it's an excellent certification For you to take is an excellent skill for you to have to become a modeler to say, yes Yeah, a modeler You'll be able to both do extremely well for your business for your office for your company As well as personally building models for all sorts of deals And there are so many people online that require models you can in the evenings. You can be building models and making money No, there's no problem with making extra money, right? Can machine learning be compared to financial modeling? Not really machine learning Is what's machine learning? Let me Machine learning looks for patterns. Okay. So patterns In the sense that let's assume you have a list of transactions daily daily daily sales for the last five years So those daily sales for the last five years and then let's assume you also have data on people's Maybe you've combined that with data on how people I don't interact on facebook. Maybe your ads on facebook or something like that We just need two sets of data And one set of data is explaining another set of data So what machine learning does is where you hear big data is just taking lots of data from different places in Places and seeing if there are patterns within those data Is there a pattern between if this thing goes up by 10% does that thing go up by 5%? What's happening here and it looks for patterns And once it finds patterns then it starts doing ai starts doing artificial intelligence comes in where it starts advising As per okay, if somebody tweets at around two o'clock in the morning This person is unreliable because the correlation between you Defaulting on your loan and tweeting at 2 a.m. In the morning is very high. So that could mean that this person I don't know If it sounds funny, but some companies actually use that right now They check your social media profile And they use machine learning to learn to see people with these kind of patterns of social media behavior Uh reliable or not reliable when it comes to paying off loans So that's not really modeling. That's machine learning. That's Using machines to learn patterns and behavior patterns in actions And then yes, you can now model it you could take part of that thing there and and build a model out of it But that is really a model machine learning model But financial model in the sense is where we're just projecting based on Assumptions we've made sometimes use Monte Carlo simulation If you like that you can go to a youtube channel to check What I mean by Monte Carlo simulation So you're simulating. Okay. These are the trends in revenue for the last or sales for the last 10 years And the trend shows that We have maybe a normal distribution. If you know what that means a normal distribution And we think that sales or total transactions would be between 200 and 250 is safe to assume that 80 percent of the time Our transactions would be between 200 and 250 and using that Analysis or analytics you can build your financial model because you now have a demand a kind of An estimate of demand Yeah, and you use to regression analysis to do it Which is the same tools our machine learning uses uses regression and all of that to come up with predictions Okay, what previous question did you have justin? Well, okay, you go question. This is my last question. How can I make money for myself with financial modeling? If I don't want to work for a company. So how do you make money for yourself?  So you go there say, yes, I can do this model for you I'll finish it in two weeks and it's going to cost you $500, right? So you do the model you send it to him. He pays upwork.com And then you now Once he pays upwork.com. Yeah, he's happy with the job Upwork pays you And that's how you work and that's how you can sit down in your house and make money from financial modeling Use upwork.com excellent tool not just for financial modeling nearly any job you do any skill you have You can sell it on this website. Yeah Right, so thanks for that question justing. I didn't see your previous question I don't know what it was. What was your previous question? He said what kind of company would require fm skills. I already answered that I said that every company especially the strategic unit or whatever strategy whoever works on strategy needs financial modeling people financial modeling skills It's a huge skill set that's needed and if you check their website, let me show you they show you The companies that require it right up here. Yeah, see the companies Companies in accounting, actuarial asset management, budget and forecasting credits Those are where candidates come from Candidates come from all these companies. Yeah So if you read this section it will tell you exactly what kind of companies and what kind of roles requires financial modeling skills These are all the roles loads and loads and loads of roles And I can tell you not many models are out there. So yeah, excellent company


TEFL jobs in Peru The openings for TEFL jobs in Peru is huge. However, the country has a bad safety reputation. The salaries are low and it is also difficult to obtain a work visa. Still, the opportunities for TEFL jobs in Lima, as well as in other locations are very great for those motivated to go there. How to find a TEFL job in Peru? Find schools in Peru Advertise for TEFL jobs on the internet on the various TEFL related websites. You can also search for language schools in the locations you would consider teaching in. Conditions for teaching English in Peru are usually quite good. Schools tend to offer a regular work schedule from Monday to Friday. You can usually expect to work for some hours in the morning and then again in the evening, leaving a large block of free time for you to do what you wish in the middle of the day. Some schools will ask you to work on a Saturday, giving you extra income. You can expect to teach both adults and young learners, with the majority of your students being adults. Securing a good TEFL job in Peru Before accepting a TEFL job in Peru, make sure that you ask questions regarding salary or hourly pay rate, whether you'll have to travel to your lessons and if you get compensated for this time and reimbursed for expenses, what kind of material resources the school has for lesson planning and teaching materials, what kind of administrative and collegial support you will have, whether a visa will be needed and if the school assists with that, etc. TEFL in Peru Sign up for TEFL International's training course at our center in Cusco. Peru is a fascinating location influenced by the ancient Inca civilization. Upon completion of our TEFL course, you will hold in hand one of the most powerful teaching qualifications in the world. Our training course in Cusco is a stepping stone towards your English teaching career all over the world. Peru does not only have a fascinating history and culture, but also beautiful natural scenery. Trekking through Sacred Valley of the Incas, hiking in the Andes or exploring the Amazon rainforest are only a few of the many outdoor activities you can indulge in when in Peru. The Pacific Coast features some of the finest beaches in South America and some of the most beautiful coral reefs that let scuba diving fans skip a beat. One of the most famous tourist attractions is the ancient Ica city of Machu Picu high in the mountains. Millions of tourists from all around the world flock to Cusco each year to start their journey towards Machu Picu and the other many natural and man-made wonders of Peru.  TEFL Peru Many of our TEFL graduates enjoy living and working in Peru so much that they decide to stay. The demand for English teachers is high across the country and finding a suitable position shouldn't be a problem. Other graduates move on to other exciting locations in Latin America such as Brazil, Mexico or Guatemala. With your internationally recognized TEFL certification, you will have limitless opportunities to teach around the globe. TEFL courses in Peru's historic capital. Our training center in the historic capital of Cusco is conveniently accessible by public transit. Cusco is also the gateway to Machu Picu where millions of locals and tourists travel to each year. Cusco is also a beautiful attraction itself as it features fascinating Spanish colonial architecture and Inca ruins. You can be sure to enjoy living in Cusco once you are here. Try your way through the amazing local cuisine and visit local pubs and bars where the locals dance the night away. Besides conquering the mighty Machu Picu, you can also do various other fun activities such as rock climbing or ziplining. Visit the Pacific Coast to catch some of the best waves in South America. The R is known to be a surfer's paradise and if you like snorkeling or scuba diving you will find lots of exciting diving spots where you can see colorful fish and other sea creatures. As you can see, Peru is the perfect location to start your journey as an ESL teacher. Should you not want to stay in Peru, Latin America is also filled with great opportunities for qualified teachers. After all, your internationally recognized ESL certification enables you to find work all over the world.


I chose extension because I want to be the bridge between the university research and the growers. I was scouting because this is my first year. I want to know my area, my growers and the crops and as a crop production is the pests and diseases. So I have been scouting, scouting, scouting. And to my surprise I found cereal leaf beetle for the first time in counties where I am working. I am in charge of eight counties. I got cereal leaf beetle in three counties. That's the most exciting moment. So we reported to the Department of Agriculture and they gave an alert on that. And the main thing is that I don't know whether I did good or bad to the growers. They can't export their hay to California or Canada because of that identification of a new pest over there.


Another one What's up money geeks mr. V here welcome to another video guys so into this video We are going to take a look at another blank check company. That's ready to take Another company public so into this video. We're looking at ticker symbol LCA Linked ear holdings so but before we get started guys for your new to the channel We talk about how to earn money how to save money how to invest and build wealth So if that's something that interests you go ahead and hit that subscribe button And don't forget to give the thumbs up if this does help you and share the video. So let's jump right into LCA so this company again, like I said, it's a blank check company and for most of you that have been watching the channel We talk about blank check company. These are companies that Are filed and go public that they don't really have a particular business or a particular product that they're selling They just go public in in preparation to go out and find a company that they can buy and then take it public So in this case LCA is doing the exact same thing. So now they are going after online gaming company called golden nugget gaming So for those of you that are gamers or if you play online gaming like casino games online You probably have used their games already, but you probably you don't even know So they want to go public and the reason why they go in this route is because it's very very easy So within a month or two, they can be publicly treated As opposed to having to go through the process of filing and waiting and all that stuff with the sec Which is I mean, it takes a long time So they go with companies that are already public and then just change the ticket symbol after the after the merge so in this case LCA is actually Gonna merge with Golden nugget gaming and then take golden nugget gaming public and so This is gonna happen anytime soon and this is not even usually they give you like a letter of intent When this case it's beyond that it's happening. So For you as an investor, what does that mean for you? Again, this is an opportunity the online gaming space is growing more and more as a matter of fact You see people now that have jobs that are gaming jobs, right? That play games for for for living and then people spend a lot of time on your phone for entertainment and stuff like that So I think there is potential there I'm not advocating for for gambling for people to go out and just gamble if you want to gamble with your money away No, that's absolutely your right to do so for me. I'm just looking at opportunities. So if this company goes public Again with how many games that they have how many people No spend time on their phone gaming Walk through an airport and see people just sitting there. Nobody's talking to To anybody. They're just down and looking at your phone. So This again and this approach is becoming more and more very prevalent in the investment space If we take a look, uh, we we we have talked about here how Nicola models went public with vector iq Merging with them and then we just recently posted a video where third is is it was also Taking another company public Hylian and so they're taking them public as well. So, um LCA is doing the same thing. They're trying to take these other company public. So, um, most of this If you're getting early, uh, you can enjoy that growth and stuff like that. Um, I don't know because right now We don't really know their finances and stuff for that long term. Um, so you jumping in it would be Kind of a risky move at this point for you to just jump in but Uh, I mean, we we know we say they've no risk. No reward, right golden nugget the company has a ton of games Um, a lot of games and so a lot of the money comes from either people playing those games Um, some of it from advertising the ones they have free games They post those free games and then they'll do a lot of advertising within the games that you see and then They sell a lot of stuff within the games too. So, um, you can actually, you know Go do some research and you figure out how these companies make money And again, advertising on smartphones is becoming has become huge. Um, that's why I see companies like facebook are really doing it So, uh, the news again is that golden nugget um online gaming to be go go public and and so it's very exciting As soon as they go public, um, what they intend to do is um, they intend to change the ticket symbol of our lca to g and og which is going to be the new um ticket symbol, um for for um Golden nugget online gaming. So, um, they don't really have a ton of uh, stuff about as far as their finances Um, I use this service called tip rang to actually see what analysts are saying. So at this point, um, link it here, which is the the the Public electricity company that is going to merge with uh golden nugget gaming has no Substantial information. So it doesn't mean it doesn't mean show up on on tip rang for me So, but at the time that I was doing this video, um, we can see here, um lca is trading at about $15 and 72 cents Um, so The goal here is most of this is to get in as early as possible and there you have the option of either Just, um, you know making some profit and walking away Or you can hold long term again depending on how these companies are performing My strategy again is go in early make profit take out your initial investment if possible some some Some profit and then play with house money. That's just the rule. So Um, yeah, just more news about them. Um, this is happening. So Again, the ticket symbol is going to be g and og and um, yeah, we're looking forward to it. So, um, this is another big one Um, maybe as soon as this merger is complete, um, this is going to get a huge run in the market So if you get in early, um, you stand to make some good money, um at $15 again That we're looking at here at almost $16 a share, um, if we look at what has happened in the past Again, like I said, like I said, Nikola models and and vector IQ going public squeezing up all the way to $80. Um, and then We're looking at, uh, uh, today is taking, um, highly on public. Um, that's going to be a huge runner to In my opinion and it'll be the same thing here. But again, guys, be smart with Investments like this when to go in when to take profit and how to play with house money. Um, these are these are No, very very risky stocks So don't take your life savings and put it in into these stocks because you're probably going to go broke If these things were to go south in any shape or form. So that's it for this video guys again, um, lca is actually emerging with, um Golden nugget. Um question is should you buy? Or should you not buy in my opinion? The higher the risk the higher the reward in most cases. So I have in my portfolio I have money that I've set aside for opportunities like this where I jump in And and write it and take my profit and then if for any reason I can Leave some money in there, which is house money and then just see where that goes And I mean it can go to infinity or it can go to zero at that point. I don't really worry about it So that's my take on it again guys if you're new to the channel We'll talk about how to earn money how to save money how to invest and build wealth So if that's something that interests you go ahead and hit that subscribe button any notification bell So you don't miss out a new content youtube tells me that 90% of you guys watching having already subscribed to my channel So it would make my day if you could give that thumbs up Um, just so it helps their youtube algorithm say that we are out here and as always guys invest wisely and stay motivated


Hello everyone, welcome back another After Effects tutorial. This one we're in After Effects 2023, the new version, and I'm going to show you how to render or add to Render Queue and use the H.264 format. So you see here I've got a composition open. All you need to do is go it up here to File, Export, where do you be right there, and then add to Render Queue. Once it's into Render Queue, you'll see here under Beside Output Module, click on High Quality, click on that little down arrow. When you do that, you'll see a whole bunch of options, but the new ones are 5 megs, if you need a quick and dirty one, or 15 megs, or 40 megs. So depending on the quality that you need, and of course there's a few other settings, but that's all there is to it now inside After Effects 2023. Thanks for watching.


Welcome back to my channel. If you're new here, I'm Adeline and I'm a mom of a one, two, and three-year-old I post videos pretty much every single day, and I know I've recently had a lot of new subscribers So I thought I would just kind of start off by like introducing myself also this type of video is a little unusual for me I it's something that I've had so many questions about it's something that has kind of been long-awaited coming But it's a little out of the ordinary So I might be having some of you that aren't very new to my channel. So anyways This is not going to be my weight loss Story in particular if you guys would be interested in seeing that let me know in the comments but I am gonna give you some of my best tips and a little bit about my story and Just what I've learned over the last few years So I Have had three pregnancies obviously very close together. I have a one two and three-year-old and They were all very different. I was at very different weights at all of them Oh, basically what I'm gonna do is start where After I had my third baby so she is basically a year and a half old now and I actually have some footage or I may just grab a still shot of Whenever I had first started doing YouTube I think I was about a hundred and sixty five pounds maybe a hundred and seventy pounds whenever I started I didn't really weigh myself very consistently then just because I hated the scale to be honest and I just hated everything I hated how I felt I hated My how I looked I didn't feel comfortable in my clothes all of those sorts of things so that I believe was Year and a half ago Maybe a year ago something like that if I can kind of figure it out. I'll put like some wording in here and so Before I actually got to that point So that would have been like through my pregnancies actually before I even got pregnant. I did something called THM So that's where I'm gonna start off with my little tips and tricks for you guys If you can find a plan that works for you And I am going to be the first one to say I have tried lots of different things and I think Not entirely because I know there's some plans that of eating and lifestyle that is not very healthy But I think for the most part if you stick to one thing You will lose weight and if you do it religiously And there's so many different diet so many different things out there so many different ideas and mindsets and one thing That I really want to encourage you guys with is every single body type is different And so you might have to try several different plans until you find one that works with your metabolism and all of that Good stuff another thing I want to add is these are only a couple tips and tricks. I are like, you know things I've gathered I think I may actually do more videos like this if you like that idea give this video a thumbs up and Like I said also just doing a longer video on my whole entire story. So Before I had little ones Like in my well, I'm in my 20s. So in my teen years I was pretty much at the same weight like my entire life like around 150 pounds was where I sat and It's so crazy because I feel like 150 pounds in my teen years looked so different After I had had my second baby I lost a lot of weight and got back down to 150 pounds and It's just my body looked so different than my teen years and that was a little bit frustrating for me I realized that to get to what I wanted to feel and like in my clothes and look like I would have to drop a good amount more weight than that. So Like I said before I had little ones I did a plan called trim healthy mama and basically I'm just gonna like Shorten it down because there's a big fat book to go with it and there's so much more than this but basically you separate your carbs and your fats and You eat them at different times and you eat protein with both types of meals And I was the type of person that would do one whole day with on the fats And then one whole day like eating carbs. Now when I say carbs, I'm talking like sweet potatoes Keen why beans healthy carbs not bread very little actually very little gluten Very minimal on all of that stuff. So I think before I got pregnant with my first one I think maybe I was at a hundred and thirty five pounds Maybe something like that and I I mean I felt very comfortable in that and that weight with that body Makeup, I guess that young, you know, like not gone through pregnancy kind of thing. So What I did is through my pregnancies I ate a lot of whatever I wanted to I gained a lot of weight My middle one was my heaviest pregnancy and I'm pretty sure I did not weigh myself through my pregnancies or you know I actually had a midwife and either didn't want to see the scale or just like asked her She didn't like would be okay with not weighing me. And you know I wasn't massively huge, but I am pretty much a hundred percent sure that I went over 200 pounds Especially with my second one. So after I had my second one, I it would have been like five Months till I got pregnant again and in that time I mean as soon as I hit my okay mark to start working out and start doing things I did and so I lost a lot of weight I think I got down to right around 150 pounds before I got pregnant again so after I had my third one, which is any Pictures or clip that I put through this Or the thumbnail or anything like that would have been after I had my third one So to be fair, you know that we're starting off like not through pregnancy and everything like that I did not weigh myself and I am pretty sure yeah that I was probably about a hundred and seventy pounds So she is like a year and a half and I am now down to a hundred and twenty two pounds I feel really really good and I did trim healthy mama up until maybe Like six months ago something like that And then I switched to doing keto and intermittent fasting and the reason I have had so many people ask me Why I switched from doing trim healthy mama like the flat-flop, you know type of eating to doing keto and bottom line honestly, I love trim healthy mama and I really don't see anything wrong with it But the bottom line was is that it was way way more convenient to eat keto Than it was to do trim healthy mama with trim healthy mama you eat every three hours On keto because you're eating extremely high amounts of fat. It helps to sustain you and you actually like Can go a longer amount of time without eating and you can eat three times a day And then I ran into dr. Berg and I'm going to leave links to his videos below on Keto and intermittent fasting because I feel like he has the most like and I know this is Extremely extremely controversial controversial statement But I'm going to say it because it's my opinion and that doesn't mean that like I'm a hundred percent right And you can leave your opinion in the comments if you disagree with me, but like I think that his Stuff is the most like Scientifically based or like gives the good reasons because before all of this I was very against doing intermittent fasting doing keto Taking carbs out all of that stuff and then I listened to like hours and hours and hours of dr. Berg talking and he had a lot of information on Why it works and all of that stuff now to say that it's something that I will do for the rest of my life probably not That's just not I Don't know.  I mean there's you have kids you have birthday parties you have All kinds of things and yes, I'm going to go ahead and say this because I feel like it's important for me to say I ate Oreos before I sat down to film this so like just to give you a picture Like I just really with when I first started doing keto I was like really obsessive about numbers and weighing like I would weigh my my proteins All of that stuff, which actually what I want to say is that if you start a plan stick to it Like give yourself a good like three months of being super adamant about like checking all the boxes everything that you're going to do because that gives you a good foundation and then from then on you can kind of like Cultivate and like just do it as a lifestyle. And so for example with keto some, you know, it's not super high I mean, it's medium protein. It's high fat medium protein. And so You could do want to be careful that you're not in consuming too much protein. So I was weighing my protein What actually ended up being really good in the end because now I know How much protein I should be eating I can look at a piece of chicken and kind of know And so like measuring things out is not a bad thing I mean, it would be really annoying for the rest of your life to be doing that But it's not a bad thing Just to give you kind of like a perspective of what you should and shouldn't be doing So, you know, if you're doing I'm just trying to think of another example I know there's other diets that have like guidelines things that you stick to. I mean like I think Another this is this would be a good example. I'm not huge huge fan of doing weight watchers But I think you can lose weight on weight watchers Especially for a person that has a problem with portion control But like just like that you can learn what things are what points and people get really used to the system And then you can kind of integrate it into a lifestyle So I think that's why sometimes people start something and they're like How in the world would I make this into a lifestyle? And I think that's why just like give yourself a good solid three months And you will know if it's something that you can stick to doing Stick start to like just go on your own take the training wheels off that kind of thing So my first thing is is to stick to whatever you decide to do. It does not have to be what I do Although I will say that it what I've done has worked very well My pace of losing weight Went up dramatically after starting keto going off of trim healthy mama But trim healthy mama is extremely good for when you're nursing and you're pregnant because you do need those healthy carbs um For those times of life and even now like because I'm pretty much. I mean I'm at my goal weight um That it you know if there's times that I want to integrate healthy carbs I kind of have that knowledge like I know because I've done it and that's why it's not a bad idea to Try out different diets, and I know there's going to be people out there that probably will argue with me on that one But I think that it's good to know to have good knowledge of a lot of different things And especially whenever you want to use things for certain periods of your life Like if you want to use keto to get yourself down to where your weight should be and then just be eating healthy And just making smart choices after that I don't think that's a bad thing So I feel like that was really long, but you guys got the picture and if you're interested in hearing what I have to say I guess you'll keep watching. Um, so my second tip Is that you Do not have to do fitness um And I know like there's so much to the health weight loss fitness world And so everybody's got their their opinions and their things But I'm talking from my experience from my story from like the things I've done So I have done working out. Um, like I said after had my second one Um, I did a lot of working out. It kind of depends on what you want to maintain what you want out of um weight loss, so I um did not do much working out actually before that to be honest That was the first time that I really faithfully every day was working out And now that I'm at the weight I'm at I'm actually kind of like wanting to work out just because I feel like that I have You know extra Skin and things like that that I would really like to tighten up. Um And so I think in the next few months, I'll probably start going back to the gym I had done it for a little while last year and um, just didn't stick to it So that is something that I think I will probably start doing But what I want to say is that you can easily lose weight For the most part unless Like I'm I'm going to say this stuff with a disclaimer of there are people out there with thyroid problems There are people out there that have genetic things that have things that They need medical attention for and so like if you are doing everything in your power Or you know or you This is a whole nother subject. But you know, there's things like parasites There's things out there that will prevent you from losing weight But I'm talking for maybe a general rule of thumb So if you are trying A lot of things you're being very faithful to sticking to eating a certain way You know that you're not doing anything that you're consuming things that would be making you gain weight And you're still not losing you definitely need to seek professional help Okay, with that said for the most part you can lose a lot of weight without working out um, and I know that a lot of trainers will even tell you that because Their first thing that they're probably going to tell you at a training session If it's a really good trainer is that it all starts in the kitchen You cannot be eating mcdonald's and going to the gym every day First of all, you would never have the energy to do that and not be like giving yourself the right nutrition You're just killing yourself.  You know, that's not good So nutrition is really the bottom line. So if you start off with that You will definitely lose and I like I said, I have lost pretty much all of my weight without actually having Done much exercise at all. The third thing I wanted to say was be flexible about your goal weight um Like I said, you know After I had my second baby and I lost the weight that I thought I was going to like, you know, where I was at and stuff like that It wasn't really where I wanted to be so I had to kind of readjust that and I've also heard people That have made a goal weight for themselves Reached not quite that low of weight and was were super happy with how their body looked So like I think it's good to have goals But I also think it's good to just like listen to your body and realize that You might be happy in a very different place with your body than what you realize and just learn to love The moment that you're in learn to love Like every step that you're going through and like especially as moms I feel like we have these like Time frames in mind and we have to realize that we are going through postpartum We're breastfeeding all of those things and so I think it's important for us to just embrace every single step Okay, so You already know that I eat keto for the most part. I also do intermittent fasting even currently Um, I'm not a huge breakfast person not because I don't love breakfast food In fact, a lot of times I eat breakfast food for lunch But because I have three toddlers and the idea of me getting breakfast made for myself Is pretty much non-existent. I mean, it's usually like 11 o'clock until I make my breakfast So, um, I actually that was the other thing that was super convenient about doing Intermittent fasting is like I just basically, you know, wouldn't wouldn't make my first meal until the afternoon And just making sure that, you know, you're having enough calories and all of that But if you're eating a lot of coconut oil and that's where I'm gonna kind of like Go into is giving you guys a couple products and tips things that Um Have helped me out a lot and no this is not sponsored by any of these companies or anything Um, if any of them want to you know want to sponsor me, um, I do work with the one company, but um, it's not sponsored Sponsoring this video, but one thing one thing that I like Swear by is eating a good amount of coconut oil every single day and I Personally prefer it in my coffee um, I if you guys go back and watch I had gone through and done a series of like what I eat every single day I would take and film it all and put it into one video And You guys I know there was a lot of you that really liked it Um, it was just so much work honestly for me to do that. So If you guys go back and Watch those videos you will see that I do put a lot of coconut oil into my coffee Um, and it's just my way of doing it and I have In a pinch whenever I really knew I needed coconut oil Um, eating it right off the spoon and just drank something after it. It's pretty nasty Whenever you have to do what you have to do. It's really good for your skin and your hair Um digestion helps you lose weight Um, just gives you a lot of energy. It really really does But I would suggest to start off a little bit like a smaller amount and work your way up I probably in my coffee. I probably put like a good tablespoon and a half Um, I really really like it and I my attempt is to try to do that twice a day That's something that I put in my coffee Another thing that I put in my coffee is collagen and I don't necessarily have a specific brand That I really um Stick to with that. I liked from healthy mama's brand. I've used theirs Actually, I just ran out of my last bag of theirs that I had on hand Um, but that's something that I also like to try to put into my coffee I try to drink Like decaf at night and then regular in the morning. So of course I kind of make the same Concoction or whatever, but I'm going to show you guys this. Um, this is the one that I'm using right now It's called beauty to beauty tonic And they have bags also and actually this is from grove If you guys are unfamiliar with my channel, I talk about grove a lot.   It really does a lot of things I'm not going to go into great detail because I feel like this video might end up being long Um, but I wanted to mention this because it's something that I wish kind of I would have known about a long time ago Just because of the convenience of it So um, like I said, I'll leave a link below for this. Okay, so I I think what I'm gonna do is do a video At some point on like all the supplements All the things that I take another thing that I take up is super food plus by dr. Schultz And I'm just literally going to show these to you because I know there were some people that were like Aren't aren't they huge pills? I've mentioned it before and they really they are I mean like if you're not a pill taker They are but I'm I don't mind taking pills But this is literally what they look like. Let me see if I can get it to focus like that and They are basically your greens. So if you're a person that hates Hates salads hates getting your greens in which really even those of us that like it We don't get enough in I can already tell you that right now like we do not eat enough greens in America at all Um, or the right kind of greens like iceberg lettuce does not count Sorry to break it to you if you thought that it did Um, but it has so much nutrients in it. And this is just a way that is so Easy to get so much in and I'm gonna tell you guys something kind of like gross, but it really Helps or helped me see how great these things are one time one of them landed in my sink And then I don't think I realized it and a few hours later I came back and it had gotten wet and it had literally I think probably Three times its size and it was like a little blob of like Shredded up green like that is what is in in these pills So that was kind of it was it was gross in my sink But it was kind of comforting to me that this is really Greens like you're definitely getting them in and you don't have to taste them You can hold your breath and take it down. So, um, I will leave an amazon link below for these. That's um Where I got them and so Yeah, they're definitely something that I like to take every day Okay, so this is the one company that I work with if you guys watch my channel a lot you already know this um But I work with teamy or team. I I like to say teamy because it rhymes but Um, and they are a really really awesome company. They are a tea company I actually love drinking health teas to begin with and so whenever they reached out to me I was like, yeah, that would be totally cool to work with you guys. So, um What I have done. This is my second round is the 30 day detox. Um, and it basically comes Oops, there's a hair.  I like I love the taste of their teas um And then the detox tea you drink every other night and so you do it for 30 days And I am going to be really honest with you guys. I love Love This product I think the first round that I did it, which of course I was eating really healthy and also whenever I started my first round. I cut out Um dairy, which was really big because even on keto you could you're allowed to have dairy But a friend challenged me to do it and I have gone through spurts of cutting out dairy and I generally feel better I think it causes a lot of bloating and I really think it slows down my weight loss So I I did that and um, I pretty much had already been cutting out sugar and gluten That was something that I had done for a long time But the dairy was something a little bit new. So I cut that out. So I'm just including that in this Um, and then I did the the detox for 30 days and I think if I would look back on my dates, um That it was about 10 pounds in those 30 days, which is like Really good really really good and then um on top of that. I actually had a Um subscriber of mine get ahold of me after she had ordered Through my link because I will leave a link in the description box where you guys can get a percentage off of your first T order actually, you know, I think any of your t-orders. So even if you are a Returning customer you guys would still be able to get it Um, and she was like so I have been stalled on my weight loss for a while And I decided to go ahead and get the skinny tea Um, and it has broke broken my plateau and I'm losing again So I was like, yes. Yes. Yes. So it really it really really does help and I was surprised I was skeptical at first, but I was surprised at how much it helped But before I end my ramble about teamy, I do have to tell you guys something kind of exciting So I got a package the other day And they just Launched I think yesterday um this new tumbler and how Stinking cute is it? I love the mint color and I want to show you guys how the tumblers work. So Um with the skinny tea, it's a loose leaf tea And you literally only use a teaspoon of this and it like expands kind of like the greens like I was just telling you about and then There is a little like screen And it keeps everything you put the the tea inside there with the boiling water You stick this right inside And then you can drink it and you don't get all the nasty little pieces from the loose leaf tea So anyways, and this actually has a little compartment of the sticker stuck I'm not going to open it, but you can unscrew the bottom And put like your tea in there if you were out in town and you just got some hot water somewhere And then it has a little um wristlet too So I really really really have been impressed with this company and like I said, these are just like little add-ins It's nothing that like you have to do it's things I have done things that have helped me Um stuff that you know if you want to try one of those things, you know, it might help a lot um Just yeah just a couple things that I thought I would just throw out there and mention and like I said I think I'm going to do a whole video on everything that I do because If you don't know what your adrenal glands are They are something in your body that help you handle stress And if they're overloaded you have a very very hard time losing weight Um, and so if you're taking supplements to help aid your adrenals and help to get them back to health Sometimes that in itself can actually help you lose weight with whatever you're currently doing So that is why I'd like to do another supplements video But the last thing I'm going to mention is to be taking a really good probiotic And I am talking about this because I've taken a lot of probiotics And this one is actually like in the mid range as far as price And it came in a cooler bag like I ordered it off of amazon And it came in a cooler bag and it has 85 billion live cultures and 32 probiotic strands And that is very high when you're talking about probiotics. Um, there's a lot of them that have 50 billion live cultures Um and even lower than that like 30. So this is a very high count And I was super impressed that it came like in a cooler bag And they were concerned that it would keep its temperature. So that means that whatever is in here Is real live stuff and it's very very healthy and good for you I wish I would have known about it sooner, especially with the fact that the price is so good on amazon um, I'll leave a link below And I just wanted to tell you guys about it because I wish I would have known Okay, so I'm sure that this is probably already Way long enough and I could talk for probably four more hours Just because I already like there's so much more stuff But I know about weight loss and and health and aiding and all of that stuff But um, I think I'm gonna see how you guys like this type of video And if you would be interested in hearing more about my story and more about the things that have worked for me Things that I do things that I take how I eat Um Those sorts of things so leave your questions in the comment box and we'll see maybe I'll be making some more videos Like this and I hope that something helped you guys out in all of this stuff and Um, if you guys are new to my channel, don't forget to hit that subscribe button Give this video a like and I will see you guys in tomorrow's video Say let's pass on on the street. Are you ready?


Hey, what's going on guys, Patriot Prime here once again with another Megatron review. So yesterday I did a response video for the Transformers YouTube community Facebook page where I went over Generation 1 Megatron and after playing around with this guy and really enjoying him as I always do, I got to thinking about another Megatron figure I have that also turns into a gun. 2010's United Megatron. This is a really cool figure so I got him for a really good deal almost a year ago on one of the Facebook buy sell sites. I got this guy for 25 bucks, wasn't going to pass him up. I had the original classics from 2006 but sold him off for obvious reasons and I'm going to go over here in a moment. Now as you know, or some of you may know, the Megatron toy has gone through quite a few changes. In 1984 he was the gun mode that all us G-wunners absolutely love and to this day still adore. But thanks to new toy safety laws and regulations, a realistic gun toy just wasn't going to fly on the shelves anymore. Therefore Megatron has been a tank, a dinosaur, a jet, a multi-forming dragon butt, a triple changer race car jet. He's been all kinds of things except the gun. But that all changed in 2006 when the classics line came out and Megatron was finally released again on toy shelves in gun form. But he looked like a blasted Nerf gun. He was all green and orange and purple. And yeah, I bought him because it's Megatron. But as the years went on and I got more into G-wun, I sold him off and then found this guy. Now before we get to actually reviewing the figure, I'm going to ask you guys to do me a favor. If you happen to be watching this video right here and are not a subscriber to Patriot Prime Reviews, please hit that subscribe button right now. It's not going to cost you a thing, but it will help me and my channel out tremendously and help me reach my goal of 2,000 subscribers by TF-Con in Reston, Virginia at the end of October. So hashtag 2,000 by TF-Con. Now let's get to talking about this Nerf or nothing Megatron. And welcome to Patriot Prime Reviews. Now I'm going to go over gun mode first and I absolutely love this gun mode. This one looks so much better than the Nerf gun version from 2006. This weapon looks like one you'd see in a sci-fi action movie. This is the gun the heroes using to take out the bad guys. The molded details on this are fantastic. It's got nice ridges there on the handle and right here underneath the barrel. You've got clear plastic right here. Molded details all along the side. Nice Tampagraph Decepticon logo there. And on the other side and I really love the molded in Decepticon logo up there on the scope. Even has the molded in dial. I love this. Another cool feature is you can look through the scope. It's got some translucent plastic. Let me see if I can focus here and you can see the cross hairs there on the inside. I hope that's showing up. So that's pretty cool. The trigger also has a clicky gimmick. So it's not very intimidating but it's a nice extra added feature and it's got a really nice spring to it. But that is pretty much it for Megatron's gun mode. It's really really nice looking. The colors are fantastic. It looks realistic as far as a realistic sci-fi weapon's concerned. But I dig it. I really like this. Now let's go ahead and get him transformed into robot mode. Now first thing you're going to do is go up here on the top and pop loose. There we go. The gun. And as you can see he is a shell former. Let me back up the camera just a bit. Now from here what you're going to do is just simply start unfolding all the pieces of Megatron to get him in the correct position. You're going to bring the torso up and that locks into place right there. Bring up the right arm. Turn that around. That'll click into place in the chest. Bring the left arm down. That'll click into place. Rotate around. I love the ratchets on this guy. Get the waist in position. Now you're going to take the legs and separate those from the trigger. Now this trigger assembly, the trigger assembly and gun halves are all on one piece. So you're going to bring this up. Turn this to the side. Sorry it's been a while since I've played with this guy. Bring this up and down. It's on a double hinge. That'll actually peg in. Oops, did it wrong. You've got to rotate it. Rotate around so that peg right there will peg into the back of the figure. So once you get that pegged in, there we go. He's being difficult. Imagine that. Megatron being difficult. So there we go. We've got that pegged in. Now take the legs, straighten the legs out.   Snap that back into place. On the wrist, you're going to lift this red panel. Flip the fists out. Same on the other arm. I have a severe lack of fingernails. There we go. And now you take these wings, which are very awkward, and fold those along his back. Get them all adjusted here. And after quite a bit of fumbling, and now we have united Megatron in robot mode. And I think this is a fantastic looking Megatron figure. It just screams G1 with those classic silver, black and red colors. Not to mention he's got a great head sculpt. Check that out. Even has the bucket head styling. I mean, that is Megatron. Now as far as articulation is concerned, his arms can do a complete 360 and they're on some nice tight ratchets. He also has an elbow bend on ratchets as well. And the arms can go in and out. Legs up and down all around, in and out. Also has a knee bend. No ankle tilt and no wrist swivel. The no wrist swivel comes into my complaints with this figure. Number one complaint. The fusion cannon. It looks great. It's an awesome looking fusion cannon, except it's under slung. It's underneath his arm, instead of on the side as it's supposed to be. So it kind of looks weird if you're going to pose him in a classic Megatron pose. It looks like his wrist has been broke. His hands all wonky. So usually when I pose mine, I kind of pose it like so. Granted if he's on your shelf and he's posed this way, not many people are going to really notice. My other complaint with this guy. The glaring complaint is these wings.  These were also the big complaint with the 2006 release along with the Nerf gun styling. That just, that doesn't look very Megatron. Now when I have mine displayed on the shelf, I pull the wings back. So he's against the wall like so. Doesn't look too bad. But my god, do I need some space to display him? I mean that's, that takes up a lot of space. So get those wings flared back out. But all in all, he's a much better looking toy than the 2006 release. The face sculpts a little better. It has brand new paint opposed to the 2006 release.  This guy's more, like I said, G1. So there you go guys. There is Transformers United UN-09 Megatron in robot mode. Now for some size comparison. Here is Transformers United Megatron with Generation 1 Megatron, Titans Return Megatron, and Siege Megatron. The Transformers United Classic Megatron is a great Megatron figure if you're needing a gun mode Megatron fix. I mean he's got his faults, but he looks great on the shelf. He's got nice tight ratchety joints. He's got great poseability, and he just screams Generation 1. So there you go guys, there is Transformers United UN-09 Megatron. So does the Transformers United Megatron belong in your collection? If you're a G1 fan, absolutely. It is so nice to have a Megatron that transforms into a realistic looking gun once more. I hated the Nerf gun look. This guy, he hits the marks. Granted, these wings, these things suck.  I'm not one for destroying my figures. There is a pin that's attached in there, and I'm afraid I'd really jack this guy up. He goes on the top shelf up there anyway, so nobody really sees him when he's folded up against the wall like this. Now I'm not sure what he goes for anymore. Like I said, I got mine for about 25 bucks on a Facebook page. That was a great price for me. If you can find one at a great price, highly, highly recommended. And guys, I want to thank you as usual for checking out my videos. Don't forget to like and don't forget to subscribe. As I said before, I am trying my best to reach 2,000 subscribers by the end of October for TFCon in Reston, Virginia. As of this recording right now, I only have 150 to go, so... Ha! Then I lost track of what I was talking about. Oh, if you're needing some awesome Patriot Prime swag, check out the Patriot Prime merch store in the description below. I have t-shirts like this with the Hua Prime on the front, Patriot Prime reviews on the back, and Reverse where Patriot Prime's on the front, Hua's on the back. Also, check out my series, The Sit Rep. I have a playlist of those on my channel's homepage. That's where I sit down and interview other Transformer YouTuber collectors, other Transformer collector YouTubers. We sit down, we have a blast talking about those plastic robots. I've had guests from the UK, Canada, Scotland, and here in the good old United States. Guys, I appreciate everything. Thanks for watching. This is Patriot Prime, signing out. Hua!


We always kind of said, give it a go Tom, you know, and then we did the prep around it in a way and tried to kind of find the best way to kind of support you to do those things, even though they were a challenge. I think that was the good thing about you is you would always give it a go. Well, you mean you taught me from a UNH gift to give it a go. We always said have your autism in your pocket kind of thing if you need it but don't say I can't do it because just give it a go, you know, if you don't want to, you don't want to but just try it. So it feels like a lot of parents, a lot of people kind of go to the two extremes, the river like they can't do anything so we're not going to expose them to it or they're like they have to do everything that's expected of them and they have to do all these things and if they don't do it then that's a bad thing and that they should be punished or they should be, you know, whereas with you, you know, growing up with you as my mum it was kind of like I was exposed to that stuff but then if I needed to I could exit and it wouldn't be like an expectation or an issue that I couldn't cope with it. I think that that's the kind of dynamic that really works for me because I still got the experience of it but then I felt safe enough to exit if I... Because quite often we'll say to kids, right, if we're going to commit to this we're going to do it week after week. Yeah, week after week, you have to. Actually it doesn't work with children, maybe with my younger son it did but not with you, Tom. So yeah, absolutely. But I also recognise that some parents will really struggle with their children with autism going to activities and doing things like that because maybe you're on your own, maybe your child has no sense of danger and that kind of thing and that is tricky so I do recognise you can't always do that with your children. No, but it's about the adjustments though, isn't it? It is doing something that challenges, I'm a little bit. It's not so exposing that it just causes them to find life just overwhelming. Yeah, because life is life and you have to have little tasters to know that actually I know how this is going to go so the next time I do it whether I like it or not, I know how predictable it's going to be and eventually I'll be able to cope with that because I know about that and that experience, all that sensation and I can deal with it. It kind of things get worse before they get better I guess and it's riding it down sometimes. I hope you guys can hear me okay. You're doing great, doing great. It's an awful voice to listen to for a letter. Well, I mean, going a bit further because I know we were talking about how it was hard to get me support. Like in an ideal world, what would you have wanted for me or what do you think would have been helpful either from the school or from mental health systems?  So it's not kind of one-size-fits-all kind of got had the chance to get to know you and kind of fed that back into school and into the family as well. So it was more joined up. I think that would have worked better. And also I think which is really powerful and particularly in schools is bit of awareness. And other kids, you know, so you identify this child as being bullied for whatever reason and just give them a voice or being their voice to say, this is the reason why this is what you can do to help. This is what you could do to support and kind of turn it on inside a little bit. So I saw something else that I found with my teaching as well. This is so powerful. I've done embroidery schools before with teachers. The child has always become more powerful and kind of has the voice that is able to change things because while they're not, they're able to tell their story and what they find difficult if their children are aware then they don't. It's kind of more normal. I hate to use the word, but more normalised. It just becomes accepted, you know, and accepted. That's the thought that they really... I think it would have been really good for me to have like a role model that was autistic that, you know, like when I went into schools and seen the kids and stuff. Because no program, there was no films, nothing. There was Rain Man. Wasn't there? And that was it.  That's just not the case. It's very stereotypical.  Who was older, who was doing stuff that I wanted to do and had their life sorted and their adjustments sorted in daily life and just someone to talk to about being autistic I think would have been really helpful. But I think a lot of autistic people... We just have such a hard time in life. It's hard for us to get into those positions where we're able to be active role models for kids. And I think it's changing overall, I think. It's taking a while, isn't it? But I think it is changing.  But it's taking a long time cooking, isn't it? Yeah. There's so much work that needs to be done for preparing autistic kids for manipulation and bullying. I don't know exactly how the best way to go about doing that is, but I think it definitely needs to be tackled because we know that long-term anxiety in formative years leads to development of depression and mental health. It does. You know, it's something that really needs to be tackled. And I think that bullying and social isolation and the sensory elements, the social elements at school, they're absolutely just so impactful on someone's long-term mental health, you know.  Well, to find every aspect of life scary is a really... I can't imagine what that feels like, really, to just find everything and everyone and every sound and every feeling really scary. I'm about to...  So I think it's so important that we have that not awareness. So awareness is just that top-flip service saying, oh, yeah, I know about autism. I've read a bit about it. It's about doing something about actually being proactive and saying, look, you know, there's a kid over there or there's a mate over there. Or there's a kid over there that actually people are bullying or they're not being supported and actually just going, look, if you want to join in, you know, come and join in with us, we'll be part of it. Our children, new people, I've just got so much to offer as friends, as children, as colleagues, you know, we're just so much to offer, really. Totally. Yeah, completely. Just didn't know what was sometimes, really.