Mani. Let's find out. Why do women always have this saying that my money is my money but your money is our money? Why do we do that? Women and money. When it comes to finances, who invests more? Who should invest more? Sometimes men are poor when it comes to financial management. Lakini, there is a time that you go to the supermarket and you love to hold her hand for financial management. Although it sounds romantic but of course we want to find out more. What do women want when it comes to finances? Women and money. To my far right, I am with Ruth Mudoni. Ruth Mudoni, who is a property advisor and of course TV host and media personality Kadusana Ruth. Thank you so much. Niko salama. Niko salama Kabisa. And next to me I am with Violet Mumbi, a property advisor also and an actress Kadusana Violet. Thank you so much Ram. Women with money. It's Naka Pesa. Naka Pesa. Thank you. Muna nuka Pesa. Muna fana nuna Pesa. Muna meta meta kama Pesa. Pesa in a Twitter by name. Nge kwa upa negizi nge uluza muna kunyoni nia lafnugia ya kapa. But of course we want to find out women and money and let me start with you Ruth. Do you believe that women should have, first of all, independence? Should women work hard to be independent first before they get into any relationship? Donzi hapo. Oh yes. Women need to work hard to be independent.  So why would you wait for that companionship? And let me tell you, a man, when a man comes and you're not financially stable, you need to work hard to be independent. Because now, okay, there are some people who say, if I won't get money now, I'll get it through marriage. Because maybe the money is financially stable. But for me, I'd advise women to be more financially stable before they get into any relationship. Many women believe that when they get into marriage, as you mentioned, apunupali pesa inakude because the money is a provider. I don't want to work as much because they know, of course, I'll get married, pesa ni manometa leta, here with the provider. So there is not much effort because if anything, you will leave your father south and be joined with the man. Are you believe of that, Valet? I do not believe in that. Honestly, gone are the days when women never used to go to work. It only used to be men who were supposed to go to work and come back with money. So you believe women should be independent? I believe women should be independent. It's a case closed. If you're a woman and you're sitting at home and you're waiting for the man to go and bring, gone are those days when we used to do the traditional work. Kasi itu ni kufua, kupika and that's it. And then you just wait for the guy to go to work and bring you money. Itu manometa, aki takakujwa kamawe ni wife matirge angale kamawe na jyoku pika, kamawe na jyoku shafiyombo, kamawe na jyoku shafiyo ni mango anaku leta kunyumbahu, anaku tests. Anakumbe ibu ni pikiu gali. If you are living that way right now at this age and era, honestili wu kunyuma sana kia kili. So testia kia kili? Kia kili wu kua woman. Yes. For a man, for that man who believes that they need to put a woman at home to test them. Actually that man who may wake up mama kunyumba na sema wewa si fanya kazi, I will do everything. What's wrong with you? Let that woman work because she's beyond that. So what is a tester for like a testometer? You're not a testometer. Uku apu kuku a tested. Uku apu kuku a tested. Uku apu kuku fanya kazi. But money is money and cooking is cooking. As you could do. But it's not one as... Atu angali pesa kuku oka na wanamke. Every time when a lady says I want a man, they always mention one person, one aspect financially stable. But for women, doesn't man even mention financial stability? And that's why men find women who are educated and very... What can I say? They find women very intimidating. Yes, you guys find women who are very educated and have good jobs and earning good salary very intimidating. And that's true. Ram, is it true? Yes, it's a yes or no. I'll say no. Even men get attracted to women with brains, beauty and brains. Without money? No, without money. See, I'm the provider. See, he's the man, the provider. And we come to compliment. We compliment each other. Is it a must that a woman gets a job before they get it in a relationship? It's not a must and it's an individual. It's something individual. If you want to work or you want to stay home and take care of the kids. Is it a must for a man? And you can still do... It is a must for a man. You see, this is the problem. But you're the provider, what do you mean? We can't be sitting in the house together. Which brings me back to the question I asked you. Is it okay for a woman to seek financial independence before getting into a relationship or marriage? It's not a must. For me, I feel both of us should seek financial independence. And I feel that it's good if the man is also working and the woman is also working because I can say life happens. The man can lose a job and then the lady, that's when they come in and help. So it's good for a lady. I think for me, I feel like it's good for a woman to look for financial independence before getting into a relationship because it will help. You know, you are in a relationship.  Nyo nyo wle mingine dabu. It's a relationship because both of you are consuming whatever is happening in the relationship. So I feel it's very important for both the lady and the man to have a job, to have something going on for themselves. Now, let me give a different example. We have some women who believe that if they work and they get some money and they get into a relationship, then whatever amount of money they earn or get should not be shared. But the money that ought to be shared is the money acquired by the man. Do you believe in that? I don't believe in that. It's good also as a woman. I'll talk to women with all honesty. You know, the man can be there and provide everything that you require in the house, the kids, everything that you require, the basic staff. It's good for a man to provide that. But it's also good for a woman to have her own money that at least aneza kuwa naongezia to do some other things zenezi na mhusu yae Can't let this do that, really? Yes. Can't let this do that? Atia nasama asa ni kongezia? Apana hatu kuongezia but then we won't put it that way. Get me right. Ikwa mi na kuongezia apesa. I'll just go do my own thing without having to tell you by the way anata kufanya kitu fula ni na fula ni. But shumacha mano me nyumba ni na stress na shido atalipa hejde rent kumenda kufanya witu zenezi. Tosa ikifika ako na nyan rent na nini and you know it's about honesty. If you are my man and you come and tell me maybe I have this kuna shida kumekua job kumenda this and that if I am a woman and I am there at least they have something going on tusa tuta lalanja because the man doesn't have money. Do you believe? I think in a relationship everybody has a patch to play. For a man for example if we are dating not even dating or married a man pays the rent does this and this and mostly for the women is buying shopping and after that I am broke the whole month. Even if I have money I am broke. You will meet women outside your spouse will tell you you are broke every time and for them money is in the bank yes but we believe you have to take care of us. That's why you nyo manu lini tukwa mamangu sungecha basi nikai if you didn't come to take care of me. Tata mipa lini tukwa kwa babangu? Siwewa lini kujia. Tata lini kujia. Siwewa lini kujia. Asa bora wo mifanya shopping your book. Ya there are some things that I personally as a woman have to do in the house and you as a man that's your responsibility to parents school face the simple simple things and that's an agreement. So after that Ram I am broke the whole month. Broke. So nikikwambia I want money for this and this you provide. My goodness. Boy child we are suffering. What about in a scenario whereby it is the woman that earns more than the man and you both know that clearly how do you handle that? Apu honestly tuna elewa huna job and the lady is working she is financially stable but what effort are you putting are you looking for a job? Yes as a man are you looking for a job? I am not looking for a job I am looking for a job dropping CVs here and there trying to do something vibaruha you know at least you get even 200 or 5000 in a day are you doing that? are you putting in the effort? but if you don't have a job and the ladies are doing better than you and you are not doing anything about it that is not a relation but you know men are obviously looking for jobs out here sometimes the jobs delay sometimes we track we sell our jobs we sell our jobs we go to the house we buy anything let me tell you Ram it's not about how much you are earning but you know you don't have to earn 6 figures for you to be called a provider you only need even if you earn 10,000 or 5,000 in a month and you are doing something and you don't know what you are doing and you say this is what I am earning but today I am buying 20,000 we eat that's a provider if you earn more money than the man would you want the man to take care of your personal expenses if I earn more money than the man if I earn more than the man no, not really if I earn more than the man if you earn more than the man should he take care of your expenses money, pedicure and saloon I think I want to take care of him because it's a companionship let's say even it's a partnership I'd take care of him because even him it's just a time it's a time whereby he's not going his finances are not okay it doesn't mean he'll stay there forever so if I take care of him at that period when that money comes he will come back and take care of me he's also doing something about it yeah, he's doing something about it shidan yunapata the 10,000 you go drink come late at your stress no, that's not acceptable kama haleti pesa would you allow him to go out with the boys and say you know what me dataka kwenakukunyu wangata kufanyahi would you allow them to do that ane enda kufanyani ane enda haleti pesa, what do you mean ane enda kufanyahi no, it's unacceptable kama naumimunye haleti pesa fai kwenakut once in a while na once in a while maybe in once in a long while ane enda kufanyahi ane enda kufanyahi pesa gani kwenakut ama ane enda bewana boys my boys sumesama ni companionship iona si companionship suman patiak as a companion labdanya na subui labdanya na subui sa ane enda kufanyahi but the best time to go out is at night but tram, honestly it doesn't make sense to me haleti pesa kwenyumba but you're going out to do what because I believe what are you going to do kazi e itafutu yusiku lakini una manisha kutafutu kazi ama kwenakutu sherehe si umenda sherehe una na sherehusiku nahuna pesa si kazi una umetafutu amchana wukashindo as a girlfriend you no, no, no, that's not acceptable that's not acceptable that's to me I know men associate money with freedom and power so if you're that man you're going out sherehe na wujacha pesa kwenyumba you're not being a man that's what I'll tell you for free somebody who cannot bring money at home is not a man yes, you're not being a man isn't that too much pressure on the man? it's not pressure you know we have basic things in life you know when we look for money to figure at a certain level we feel we have that financial freedom that's when it's in the out when things are sorted where back home but you can't be out there na hatu wukwacha ataten boboenitin you're just out there having fun honestly that you're not playing your part as a man there's some men who of course you have sugar no sugar baby mama baby mama and anataka pesa maybe a month kila wakati but when a lady calls him anasa ma kila time sina pesa sina pesa sina pesa and the woman gets tired because you want him to provide for the baby if anything needs to wanyu but anasa ma kila anasa pesa na fkren ni kusuhu I think in that situation kama hana pesa na ya skuja kwa na mtoto reason being si ati hana pesa ni priorities hana there's a difference of hana pesa ama hana priorities you can't tell me a day to day maybe that guy has another girlfriend and they are okay they are okay na kona mtoto mahali it doesn't matter kama atako na mtoto isa idingene but you have to provide for your child regardless of the situation so kama hana pesa a kai kwenya ako mtoto a kai you can't be coming to see your child and you're not providing for that boy or girl but it is his child so why are you coming to see what are you coming to see the child then come provide first provide then come see your child if he doesn't give money will you allow him to see the child not necessarily money Ram it's not about the money he can even buy shopping atumi he can even pay rent directly to the nini we don't want the physical money the hard cash no buy food to mana rent lipa directly kama awezi mtoto mahali si na pesa ne pati time ki dogo na recover kuna deal nango hoja nisawa but kuna pesa ki dogo nesatua at least nye nebe pambiya kua na pesa mingi beti he doesn't make you a provider neza kua na pesa mingi and you're not doing anything you don't have your priorities right zikua upside down you have money in your bank but you have a child there and you're not doing anything about it but kuna yume niwa na truly he's not earning he doesn't have a job and truly on a field but they have provided because hana kazi if he's honest about it what is your thought in regards to men who squanda women's money pesa ako that's a lazy man you are lazy and you are you are actually not really a man you have to jump to this other side which other side this other side of the women ni mama exactly to go to the end of women's conference pamoja you cannot be a fully grown man who's squandering a woman's money i think the reason as to why they do that is because they do not want the woman to have more power than him and they feel it and they don't want to see that woman prospering and that's why women's money last long in terms of value because us we will invest us will do things that we'll see in five years to come for the men if you guys get money you see cars you see apartments you see material things but for us our money will stay you believe that how much money lasts but a man's money doesn't yes yes but only a literate woman or a literate man by the way that woman who lets you squanda her money mimi nulia anadjekini anafanya she has already put her money into her investments she has her priorities done she has invested in her family she has invested in her people and if you are there squandering her money thinking that you are bringing her down you may be a bit lost at the end of the day you won't be able to support her another example still there's a woman who invests so mesama is a companion it's a muna you chip in he does this you do that but we are talking about a time when the man is not able to and so it is a woman that is investing the woman gets alone here and there and I'm liper a few bills here and there sometimes even in school fees and I buy a mango and I buy rent the woman they say together maybe they are in campa so they are both working and one day the guy decides to to? disappear? disappear after he is now financially stable apart a job because he has money and I don't think it is working between us it has never worked when our man has money it has never worked it has never worked when it gets to that time and then the man gets money it has never worked inakwanga issues after issues you said if a man is poor it will work but if a man is rich the relationship won't work it will work there will be problems it will work when it comes to a place where we found each other and then you you are not financially stable then at some point you got a good job good finances hapo sasandu machuako inafunguka sasandu onataka kunaku visit all the nice places and trips it has never worked so I'd rather me come into your life when I'm educated financially stable you educated financially stable now we can reason together but would you like would you prefer a man who lacks money because you are talking about empowerment in women empowerment would you like to be empowered more than a man in this case would you prefer a man who doesn't have money I would not prefer because I have taken a dog for now and he said I will take care of it but he said a man who is poor when he is rich no he didn't get it right you said it won't work with a rich person someone who has money and it will work with somebody who lacks money no if we are both financially stable it will work but when I am maybe financially stable and you you're not kutakua na shida what about you are financially stable I am not and then a time comes when I become financially stable it now depends on how I treated you when you were not financially stable because the moment you take that you just grab that money you will vice versa whatever I did what should women go for a man who is financially stable or a man who is not go for a man who is putting an effort look for a man who is a provider don't just look for money by the way because when you are financially stable na kwe they are mean with their money they are not providing they are not doing amata kuna pesa but whatever they offer is not what this person anaka maybe they have money but whatever they offer is so little so it's good una kwa pier una kwa putukatikati you use that the sun in spirit to know okusumakatikati na majani yani you just una kwa tu una kwa tu careful when you choose you look closely this person you don't commit no i didn't say you don't commit i said you commit i mean kukua katikati not that you kuna both financially and stable and stable what i mean is before you make that decision be careful and think visuri before you make that decision of whether having a man with money or not have options tisemi ukwa na many people at the same time i'm saying you try and listen to what you say but you know you man muna juzanga rakasana because then i sit down with you for like 3 dates or so there are many things i can tell about you that is so it should be by the way it should be and sometimes you men do not even know how to lie you don't know how to follow up lies with lies so it will get to a point and i'll know the reality then i'll know this person kuna pesa so this person kuna pesa but very arrogant and mean this person does not have money but i know akwa nazo he can be very supportive so it is up to you the lady to know nina ni wunatakaku when they are between those on Facebook to Moza Palace Wali what do women do with their money? invest women invest in their money most of the women invest most of the women invest invest let's talk let's not say every woman invests there is another percentage of women who don't even invest kuna wengi na akwa na pesa lakini kila sa ni simu simu simu ni tumiai ni tumiai ah what is wrong with you men? laki kwa mbio umtumia nga zia kwa kashamba fulani ali kwa nga menunua mahari so women are konmen kona kona we here ni konmen no we are not tukus idea wacha kwen dashere but by the way being a property advisor i have realized most percentage of women are investing but many women own properties and i am so surprised to see that because even like over 60% of the title deeds i give are for women so we are wondering men what is happening amma your wives you pesa muna invest na simu me tumiai ni tumiai ume pige rama kona rama nga itaji 5k 10k 20k nga ziwe rama unataka kutufu rahisha kutufu rahisha basi nge pia muka e hefeng the change ma you know when you get old you will understand why your father was sitting out of the house alone in the evening ake wuko nge akunam tu anajum fokoyake na kutua 2 stress asifikiri e na kutua by the way our fathers like sitting outside with a kagaziti wano ake brand janozaj wana tumiai kredo na pesa muna tumizi kwa mi pangoyao ya kando and it's true the men women how do women use their money na krediti what do women do with their money na tumiai kwa mi pangoyao ya kando you will tell us about that LCM Kaxton Munesh na tumiai kutua Meru they use their money to buy make up and things their heart burns don't give them yes preks de pato na tumiai kloots cosmetics and mo iti hei evans na na sema good answer ata wewe ulitwa ulitwa kwa baba kosi ange kujana kisiag ni ni usiai lewiki tu na sema po Rashbashir Werewa Busea na sema watching out of 40 Jesus Busea na saana silver king na sema wana buy looku wakue on fashion abe girl franceska hei zi komengi zi komengi na sema this is a lady na sema for me I pay rent school fees shopping buy clothes iti zi like I settle all my bills with my money pato wamesh pato na sema tuned in from Nyeria na sema pato muguna boda boda isi yola na sema they spend on make up we'll talk about that particular issue of make up lendson ke na sema they save in case kiyu mane ama hei ati ana umeria ama yoni kiki ana umeria yoni shang ayi muguna boda boda isi yola na sema they spend on make up na Russia josea na sema count me in Simon Clinton na sema they use their own money on transport na kutuhanya pesa Eric Migos na sema you can't even understand them you can't understand women bad man mwega na sema ana atuana pale produce magusta babu na sema MK2 records count 001 na santa sana culture kia na sema buying personal effects hameta je je na apu moja moja mbilita atuivi na santa sana and of course keep on talking to us to mbi wuna una oju kukua api and of course para kwenya Facebook ensure that you like the page follow us on Facebook at Y254 what do women do with their money as a question what do women do with their money and of course keep talking to us I shall read more about that nana wengu na sema mambia make up kuna robot mubia na sema mambia bundles na chips I have a big rum mungu kubaliana na okitu wanoma na sema man I don't know what's happening but Ram honestly how much make up has women do with you a lot I mean you don't buy you don't buy make up every day how much does make up you need that's actually what I'm answering you know you don't buy make up every day make up is something you buy once in a while nipesangapi make up and it lasts you long it depends with the level na itu uchipki dogo kuna kuna make up ya kila mtu in every class so kuna ele make up sasa kama ni make up chips ane neza kwa how much chip make up can be anything from 200 bob so I don't kruanda deus ni kila dogo kama yes and it can last you no, na sema make up kuna make up make up so the whole thing yes the cheapest in neza kwa how much the whole thing 3,000 to 5,000 the cheapest cheapest na muna sema ti muna taka pesayetu and you spend 3,000 on things you apply on your face and wash them but these are things you just buy once in a while so if you are woman who is earning good over 50,000 in a month and you only use 5 to 10,000 that will last you for 6 months I don't see a problem with that you are treating yourself because you are the one who is working you are the one who is sweating kwa muna muna make up nene wat you ni pesa muna muna wengine how many pesayetu pesayetu apata akune after to mesha invest I want us to take a short break we will be back after this we are going to talk more about women and money and I want us to answer this question after this do women also spend too much are they extravagant una taka tu nyumbani nene you get back home and then you find things have been bought the house is changed the house is different what is wrong women you did not consult us when you are buying that thing you wanted to buy let's take a short break we will be back in a bit keep it locked keep engaging with us why 254 imagine as always keep engaging with us I am seeing so many comments on our facebook page that is at why 254 on our facebook platform where you have asked what do women do with their money on our conversation right here on power talk we are talking about women and money and with root and violet here to talk about this particular issue it is a girl's talk and I want to attack the women today so gentlemen I have you covered what percentage of money do you control in a month life yes I think we should control 100% you see this is a problem why 100% and what percentage of your money should the man control a man should not control any percentage of money but reason being Ram our money as we will take care of your money and that's 100% I personally have a friend who told me he was married so when the cash flow came to the bank he never used to even touch the finances that are in the bank the woman used to take care of that money and he told me 100% the wife used to take care of his money kabisa like he used he used to say there are no sausages because we do take care of your money very well and that's why we have to control not ok so 100% is a bit extreme 90% of your money so 100% is extreme so minus 10% minus 10% that is oziki to no, see 10% na kupiaki dogu so out of 100% of my money I get to use 10% you will try it violet you agree with that ok what I believe in is it should be a partnership and you should agree it's good that even if I don't touch 100% of your money but at least I know what we are doing I think this thing of partnership you just this is like sole proprietorship because you are using 100% of my money but you see the way she said about a friend who handled the husband in the bank and everything went on well I also know of a friend who if it were not the wife they would have been seriously conned because it was the wife who gave the advice and told them don't do this invest here don't invest here we may have intuition intuition you can sense yes actually and we advised by the way invest here so it's good even if we don't control 100% of your money it's good that we be honest with what we do with our money so if each person I love when I squander all the money outside there and we are left there it's good that we both share also at least you don't come and squander all my money anyway if you don't come and squander all my money you will end up in misery so let's talk about manipulation and I am using a very strong word today yes please use it don't we manipulate men when it comes to money we say we don't have money we don't have money and if we don't do that we don't have money but we do it's for your own good and our own good even if we are manipulating you it's in you to protect the money it's for the good of us it's in a positive way as a family because you know I want my kids to go to school go to good schools so I will make sure when you control finances it's zaki it's in a way that it's going to benefit the kid it's going to benefit him and me you know we are not that selfish the way you are trying to put it but they will not attack us but I am thinking Ram it's not the reason as to why we really want to grasp whatever we can for you people is because most women say kama hai endi kwangu but I would rather use as much as I can because things have really changed kama hai endi kwangu so you would rather manipulate them we didn't say manipulate that's not manipulation how do you term it that's not manipulation we just want to use your money well we just want to use it well in better places we just want to use it well if we get to use your money well we can use it well because you don't have the money to do that we don't even have the money to do that you don't have the money to do that but this thing that makes you feel like you have all the money in the world and you can get any woman you can because you have money that means your wife at home is not doing that thing and I have a friend who told me for me I'd give my wife anything but still I don't know for example no no that is a mean man that is a mean man yet when you say a man who cannot bring something to the house is not a man aren't you being mean yet women are the same we want to control 100% of our money of my money 90% of your money 90% women are mean if you don't bring anything in the house that you are a mean person if you are not doing anything about it just sit there you are waiting for the woman to go and work and bring you money you have all it takes you have hands and legs you can go and say there and work no that is not being a man aren't women spend thrifts no but it depends as well let me give you a very good example a very good example and I know all women all women including my own mother all women have this problem one at Mbea town one who has a glass one who has a glass and one who has a glass and one who has a glass and one who has a glass even the two of you I know you do that tell me if I am lying you are not lying and why we do that then why should we trust you with 100% of our money if that is the character you have guess what we already invested whatever was left we didn't use it before we didn't use it before most of them including me when the money comes I make sure my rent is paid my kid is sorted my house girl is sorted everything is sorted then I put a bid for saving now this is mine niki taka kwen na nio neki tu that's okay I do the same the moment money comes in there is some that will go to my savings some will go to my rent some will go to my those important things to food, whatever the basic needs and then whatever remains that's when I'll start spelling myself sometimes I may go overboard but at least I know this time nimi tu mi ya pesa yafa but I know I will recover it but the truth is nimi tu mi ya pesa yafa close close no it's true you overspend, overuse no we don't overspend and you use the man as a recovery project we don't offer we didn't offer we didn't ask for your help but your good heart kindness kindness keeps us moving Aki eba zochengana sayma the stronger the commitment the greater the happiness nini wanawake kando na makea pesa nini niya kufaidisha watua kwenu tu ambiana tu kweni wanawake manamke haende si kuake haende lese si kuake lakini wanawake na kwenu fwateni bibilia tafadali metacha babazenu na mamazenu fwateni na wanawake tokeni wuku kwenyuko nimi tu ni melewa what he is trying to say is when women get money anajarubu kusema they invest more back home and I say I want to lese si kuake what you are supposed to do it's good because you are the one who is living there but again it's not good and you are living back home when things are not good it's good you remember where you came from adi milo kingori wama gumu anasema they just misuse money ladies can't see something big while they have money they can't niku kugusa tu ni niki akiniki kugusa tu niku kugusa tu niku kugusa tu inbuks na gopa aotaku jenbuksi ako usi aotaku jenbuksi ako but what kingori anasema anasema ladies can't see anything big when they have money they misuse money inbuksi all of a sudden you want that sofa una taka you tv una taka you microwave to desise one thing and to get it is another but then we desise everything myself even root but now we need to think for me to get that how much do I require so it's not just about we are like that it depends do we go and get it between a man and a woman who should control the money let me ask that who should control the money where it goes who should control I think it's the illiterate one what do you mean the illiterate one because we can't say the women and maybe there are some women who use their finances so it depends the setup maybe you and me the one who is illiterate in a case where they are both illiterate in a case where they are both illiterate both illiterate the woman now is it bad if a man chooses to have his own private investment and not inform you as the woman I think it's bad if you are married same way it's still bad for me to have a private investment and not tell you but women do that yes we do that a lot of times yes we mostly do that maybe for example if you have a child you have to say cure these men are not reliable sorry to say but that's why we do that we invest somewhere else because of our kids but they mostly what I can say on that if you see a woman investing na hakuwambi it means kuna mali ya mwa na hauku 100% reliable maybe when you want to live maybe you want to work so anytime you can just walk out or bring me someone else so if you don't tell me about investments no it depends with the other party how do you muna relate because I think you are the type of a person who is willing to invest and you are the kind of someone I don't see myself with in future in a longer period of time truly I will invest and I will not let you know but if I feel I can rely on you we can talk we are open and honest na hakuwambi ya it's not about you you tell me and me I don't tell you it's about your relationship how do you relate with each other where kama nimu tu una pata pesa uniku kunyotu sherehe from Friday to when is the holiday that is coming truly I will not tell you if I buy apartments worth millions or if I buy land all over Kenya I will not tell you there's a woman who normally say that mi mi pesa si pati muna umesu that's a man that's an illiterate woman and a very mean woman kuna wene mwanam kechua nezamka mi iyo pesa si pati muna umesu it's because maybe kuna wene kuna wene kuna wene but not a normal woman can say that let's go to Facebook this comments leo muna Karolene Nishmal bring it up anasema mwaname hafaiku shanga akipata kitu mpiak kwa nyumba because many men believe buying new household is a waste of money so for me I see no problem in buying things I don't see a problem too me I believe the house is for the woman for the woman exactly so if I bring visitors you didn't know that what you mean it's for the woman numbas yung numbas yung but I don't have parents numbas yung numbas niaako numbas niye tu but numbas niye tu numbas niye nani but numbas niye tu but the woman is the one who looks after the house because I want to tell you So you see, if visitors come to the house and find it untidy, I will tell them where we are, I will tell them, we are your wife, I am Saffi, we are your wife and you will pay a chai. So for me, I personally think the house is for the woman, but we don't have your parents. The things I am hearing today, I think I am hearing today. Let's talk about occasions, valentines, women's days, you need all these occasions that we have, that of course you make us spend money. Who should buy gifts for who? For the occasions, if in a husu the man, if it is badly, the woman can buy gifts for him. But of course, let's say the truth. Most of these occasions in a husu one hour. One hour, okay. Then the guests should buy the gifts. So it is you that gets all the good things, the valentine. But here, valentine, it's kwa pokatikati. But also there are these egoistic men who say mama mimi is takiku nunuliyu and you know the tugs, the masculinity, is takiku to celebrate valentine's taki. Yonimama bia waschan. Yonimama na jinza kwa yonimama. Naka nini muma kaka dunuliyu muma. Now you have to pamper us. By the way, if you are not pampered during valentine, there is a message ina kwa mbiya. Apu ata, if you have someone and he is not pampering you and he has money during valentine, I don't think we call the same page. Ruth? Do you? Ata balu de. You know, I'm wondering, as we love the good life and we also love gifts. For me, gifting makes me feel good. Not only me being given a gift, even me gifting someone. For me, I really feel good gifting people. So for occasional, I think I want to be gifted. If it's your birthday, I'll gift you. Vice versa gift me. And it's not a give or take. On most occasions, it's about the women. Women's day, I'll give to you. Girls' day, I'll give to you. Valentine's day, I'll give to you. Mother's day, I'll give to you. In the national women, I'll give to you. But you know Ram, if at times you sit down and feel as if unona ni kama, I am being abad into you, you intend not to have time for me to give you. You will go and look for someone else because she will take you. When you feel as if you are abad into someone. Now the problem that I have, one problem I have with most ladies is when it comes to your turn buying us gifts, you give us a pair of socks. I love you. You will be left alone. I will not let you sit in the fridge. See that's why... You are a man. I love you. You are a man. I will not hurt you. Yes, socks na vest. I am provided for this man. Now I know that I am a man. I will not let you sit in the house and do you know what I am doing. I will not eat anything. na soks yamaima imi parara it doesn't depend on the gift imi toka kwa roho na tata nezaku gift suiti nei kwe very intentional ama fridge nei kwe ilkwa first it highly depends the gifting should be intentional that's it intentional lemi personalize this question what does money symbolize for you first money individually individually and then talk about a woman now what does money symbolize for you money it's just a source of comfort it's just an addition because money is not everything to me you've said you're personalizing it may not be everything to me but if money is very necessary it's very necessary so to me it's like a sense of comfort na freedom what about to a woman to a woman to a woman generally I don't know why they feel like it's all about love I don't know why they think when kipewa pesa ni kumanisha Ruth what does money symbolize for you first of all as an individual as an individual money symbolizes freedom for me money is good but the love of it is what is bad so I don't love money but na penda pesa bado but the love of it is bad but for me money is freedom and money gives me comforts as a woman I think it gives you the access to speak out let me tell you Ram women I'm not saying that if they don't have money they can't speak out but it gives you a sense of power in the society now I have had many women say this I've not had men say this not even a single man unless there is kama kama raman uetu unless yame wei se metit kama hi am I wrong pal I've had people say this women say this women say this range rover wei se metit kama wei se metit kama wei se metit kama wei se metit kama good question now I wonder what does money symbolize you would rather cry in a range rover than laugh and rejoice in a border border why because I've never had a man say such a thing so women me according to me I'm not saying a border border is a good thing but but I choose peace honestly I choose a house full of peace there's no point being a house full of money without peace that's according to me so if you want to cry in Dubai or in a range rover you can go ahead you can as well go ahead but as for me that one would not work for me so you between crying in a range rover and laughing in a border border you know the border border part is it's not there to stay something that will pass I conquer with her and this is personal to me there's a time where you want to stay somewhere because of the things that you get maybe because the baby is getting this and this but now when you realize your mental peace comes fast that makes all the difference and then the time that I got my mental peace has been everything so what women should be looking out for instead of just money is having that peace of mind with all honesty it's good that you follow peace of mind for the sake of your generation because if you have this kid who's in a house without peace you know you expect that kid to grow if he grows up that man that small man that small woman she will grow this is the way fighting is the way so it's good that you choose peace you know rich rich rich auntie just choose peace work hard and put God fast the rest will follow I've not talked about sugar daddies but let me move to something else because I still wonder I can still answer why women would want to go for sugar daddies but there's so many issues let me talk about having joint accounts would you be fired that a man and woman gets joint account for me I highly recommend that because I'm one of them but I'll be the one who will be the hold of the account okay so Ruth so I have this scenario where I have a couple that have separated they have a joint account but now in this joint account you know you can't always they've separated but they're living in the same apartment different houses so since you have a joint account he feels he can ask for that money anytime alright as long as you don't have control over it as a woman I know yes me I have control over the joint account Timoti nimona you've told me about the Facebook page let me read that comment and I'll tell you and I'll tell you kama steama akirudi apasui kulizoa ame toka wapi pigasherehe akili pumzike wakdei rauka fanyakazi dei vi lube nasema why is she having confidence with my money I should have confidence nayao pia if we are partners awani wale wa kiyachua wanasema weoma naume adi akuni sa idea na kitu kwa ni unagopa ground kwa ni uko hasulu wewe they know loving the show thank you so much appreciate it man that's why I could dream kumari who is above me akisinta regesha slave kwenyumba man save a lot men save a lot she's just single but when women appear she say me kitu she say me kitu zina disappear zina disappear I don't know if it is true I heard a social media influencer saying that women suck all the money from men so if a man is single and doing well financially the moment he gets a woman the money just disappears she's not the right woman for you akuna haja ugangane if she comes and you had saved and all the money gets sucked and she's not the right woman she's just there for the money just find someone who wants to save with you who wants to grow with you matakata malizi ya and ladies I am a support of women oh you have jumped to this side no I have not jumped lakini kitu mimi na sama tu ni matafadali atakama ni women empowerment be empowered and use it outside there but thank you so much Ruth thank you so much Ram thank you so much Baile thank you so much Ram and of course I want us to end with a quote there a woman's best protection is a little money of her own do you believe in that do you agree a woman's best protection is a little money on her own that business to the end of this morning conversation right here on power to a big thanks to Ruth and Violet thank you so much and of course pass my regards to your bosses so ambe Ram magukoma salimia my name is watching my name is Ram magukoma as always it has been a pleasure when it comes to women and money this conversation can never end and of course keep it locked right here on power talk and of course repeat of this your heirs again tonight at 10 pm may god bless you may god bless the work of your hands this is power talk


Alrighty, welcome back to the email marketing rainmaker video series. We're in video number two out of five videos, completely free videos helping you make it rain in your business using email marketing. So in this video, we're going to talk about how to build an email list, the modern 2020 way, or I should say the Sean Anthony way because the way that I do it is a little counterintuitive. It's not like what most people tell you to do. You're going to see exactly how I do it in this video. So where are we at in the series here? Video number two out of five, how to build an email list, and here's what we're going to cover today. First, the three reasons to start building an email list right now, as in today, right after you watch this video, how to build an email list for free, how to speed up list building with paid methods, why I never run paid ads to a free bait or a free lead magnet. And this is what I said counterintuitive to what most people tell you to do. And then the flywheel method to grow, this is a unique method that I use to grow your list and your social media audience all at the same time, if that's what you want to do. So three reasons to start building your list right now, well, it doesn't matter what niche you're in or what industry you're in, what you sell, products versus services, B to B versus B to C doesn't matter. It's all the same, right? Every entrepreneur should be building their list. And here's three reasons why, right now. First it's an asset that you control. And I'm going to tell you a horror story from a few years ago. My business, I was in the e-commerce space and most of my sales were being driven through Facebook advertising. And one day I wake up, I log onto my computer, I try to log into Facebook and I get this message that says your account has been permanently disabled. So I was like, what the frick is going on? They never told me to this day what happened to my profile and why I got banned, my personal profile. But here's the worst part, okay? So I couldn't log into my profile but Facebook decided to continue running my ads and I panicked so I turned off my landing page, I turned off my website because I was worried like there was something on my website that caused it to happen.  And that's basically money I lit on fire, right? It was going to a dead page. So just $3,500 down the drain, I lost a significant portion of my income because it relied on Facebook advertising. And that brings me to this point, right? What does that have to do with email marketing? Well having your own email list is an asset that you control and it gives you protection from situations like that. So if Facebook or Instagram or YouTube, Twitter, Snapchat, TikTok, if they ever banned me from using their platform, I would still have a business. I would still have my customer list, my email list and I would still have a way to make money. I would still have to worry about how I'm going to pay my bills the next day. So it's an asset that you control and it really gives you protection from situations like that. And situations like that do happen. If you look at social media these days, there are celebrities and authorities and huge figures with massive followings getting deleted from these platforms. And nobody is safe. There's that cancel culture going on, everyone's calling each other out and shaming each other. So you're never safe on social media. You should be building your email list to protect yourself and protect your business, protect your income. Number two, it's a sales machine. So over 50% of our sales are driven via email today. The best part, it costs nothing to send an email. So I can choose to send an email to my list right now. I can choose to send three emails or five emails even. I don't want to spam people, but it costs me nothing to send these emails. So it's 100% profit. Whatever sales I make on that, that's just cash right in my pocket. So I don't have to pay anything for advertising. I don't have to pay any extra like Facebook ads or Google ads or YouTube ads. Once they're on my list, I can send out an email whenever I want and make sales from that, okay? So it's also a relationship builder, very important. Every time you send an email to your list, you build that relationship equity. So the stronger the relationship is with your list, the more sales you'll make and the more that your customers are going to choose you over competitors. They're going to be warmed up to you and your brand. Like if you are sending out an email every day and you're warming yourself up to your list and you're building that relationship equity, they're getting to know, like, and trust you, they're going to pick you over competitors who are not emailing because they feel like they are bonded to you. They feel like they know you. They feel like they love your brand, right?  So these are the three reasons you should start building your list right now and these things, of course, they take time to build up.  It's a sales machine, it can drive a significant portion of your sales and it builds that relationship with your prospects and your customers. So you can keep them for the long run and have them pick you over competitors. So how to build your list from scratch for free? Let's talk about how to do that. Well, the goal here is to get your first 50 subscribers, okay? If you're just starting from scratch, you have no business or even if you're just spinning out a new offer, the goal here is to get your first 50 subscribers using the method I'm about to talk about here. So this is gonna validate your business before, validate your offer before you spend a ton of time and resources creating something that nobody wants. And this has happened to me just countless times, I'm embarrassed to say. Where I just got so excited about a product or a service that I wanted to roll out and I spent all this time working on it. And then I roll it out and nobody wants it, there's crickets, right? And this happened to me a few times now and there's one time where I built an entire health supplement company and I spent about $125,000 of my own money to join these high ticket masterminds. And I bought all these custom supplements, about 6,000 bottles of custom supplements that were like $12 a bottle. And when I went to go out and sell it, I couldn't sell it at the price that I wanted to make a profit. The advertising costs were high, it just wasn't selling and it was actually lost a ton of money on that business, on that health supplement business. So this is gonna help you validate your business before you spend a ton of time and resources creating something that no one wants or that isn't going to be profitable. So let's get into the mechanics here. Step number one, create a simple bait. And I'll show you some examples in a sec. This should solve a problem for your niche, a specific problem. It could be in the form of a special report. It could be a cheat sheet, it could be a video, a downloadable template, some kind of tool, a challenge or a mini email course, right? And all these things you can actually put a price tag on later as well, using what I'm gonna show you in a few slides from now. So step one, create a simple bait. Step two, create a simple opt-in page. The opt-in page should ask for their email address in exchange for the bait, whatever that bait is. And step number three is to validate your bait, right? Remember that we want 50 subscribers for this bait and we wanna make sure it's not like your friends or family members, right? Just people that don't know you or that are not super close to you in your inner circle. So ways you can do that, you can post about it on social media. You can include the opt-in link in your social media bios. You can put it on your website. If you have a website, you can use it in your email signature. And you wanna get 50 subscribers. You wanna gauge the interest or people interested in what you have to offer, okay? So let's take a look at an example. I'm gonna minimize this here and show you an opt-in page. So let's see, yep, here's one here. This is a simple opt-in page. So you see right here, free cheat sheet, five step winning formula that we used to go from zero to seven clients in 30 days. In this free cheat sheet, you will learn the proven formula to get your next client in the next 30 days, the exact actions you need to take on a daily basis to turn cold prospects into interested leads and how to leverage Facebook, LinkedIn and Instagram to get clients for free. So this is a very specific result, right? It helps them get clients for their business. And if they click this, they can put their first name and their best email address and they can download the cheat sheet and they get sent to their email, okay? Now, what I also do is that's pretty cool and I'm gonna show you this in a second. And we're at the end of this video is I have a Facebook group here. And you can see that whenever somebody joins this, they enter in their email address and it's for that same cheat sheet, right? So it says, enter your email if you want a five step winning formula that took us from zero to seven clients in 30 days. It's the same cheat sheet, but what happens is, when I click this approve button, I use a tool called group funnels. And it ports them over to my active campaign account. And you can see this, this is a live campaign. This is from my Facebook group. You can see 12 people are in it right now. And what happens is, they get put into this sequence. So this email here, it sends them that free cheat sheet. You can see here, it links to it here. And then what I do is I follow up an additional, how many emails we got here. Nine emails to try and sell them my front end offer, which we'll talk about in just a second here, okay? So that is an example of a simple bait that you can roll out, right? It's a cheat sheet, it's for free. And I validated that by creating this Facebook group and seeing people join my Facebook group, okay? So that is an example of a free bait. I'm gonna hop back into here. Let's go present mode again. And next, let's talk about how to speed up list building with paid methods. So once you've validated your bait by getting 50 subscribers, it's time to speed things up and make some money in the process, right? You guys all want this, making money. So how do we do this? What are the mechanics here? Step one, create a passive income product. What is a passive income product? It is a low ticket digital product that sits at the front of your business and generates you sales every day without your personal involvement. It also should, if you can break even on this, like if you're spending money on paid ads and you're breaking even from this passive income product, that is amazing. That means that you are acquiring customers for free, which is awesome. So whatever this is, your passive income product, it should be related to the bait that you validated using free methods. And you're gonna price it in the $5 to $50 range. And again, I'm gonna show you an example for my own business so you understand. Step two is to create a sales page to sell your product. So this is out of scope for this series. This is a series about email marketing and not about sales pages. But if you want a awesome, timeless book on sales pages, I recommend picking up Dan Kennedy's, the ultimate sales letter book. And then step three is to drive paid traffic to your sales page. So we use YouTube and Facebook for paid ads. And we look for a 3% conversion on cold traffic. And this is also out of scope for this series, but I may have something in the future for anyone who needs help with sales pages and running paid traffic. So let's take a look at an example of this sequence here. Passive income product, a sales page and driving paid traffic to that sales page. So I'm gonna exit out again. Passive income product. So this is one of my passive income products. I have multiple different passive income products. And this is an e-book called Six Figure Drop Servicing. It's $5.60. And this is the sales page here, okay? And then they click this, send me the book. It takes them to this order form here. And yep, I'm gonna go back. And let's go to my YouTube channel. And you can see here, this is the YouTube ad.  I'm still running paid advertising to this this is a live ad right now. So it's two minutes, 53 seconds. And it's running, this ad is running on YouTube and it's driving people to this sales page here, right? This e-book sales page, okay? So I'm gonna hop back into here. That is the sequence here. I created a passive income product, which is my e-book. And it's related to this five step winning formula because this book talks about how to get clients for a service business, how to build a service business from scratch and get clients and scale that to Six Figures or more per year. And you can see here, it follows the sequence. Passive income product, sales page, driving paid traffic to that sales page. I believe this is getting around a 5.5% conversion rate on this sales page here. I gotta go check again. But that is how to speed up your list building with paid methods. Now, let's talk about something important here. Why never run paid ads to a free bait, right? So a lot of people will say, run paid ads to like, if that cheat sheet, for example, run paid advertising to that, right?  I wanna tell you why I never do that, okay? I tried that before, I wasted a lot of money doing that. And the reason why is despite what many of the gurus say, I'm never using paid ads to drive traffic to a free bait. And the reason why is because I want buyers on my list, right? I want buyers. I don't wanna get into debt attracting freebie seekers. So when you run paid advertising to a free lead magnet or a free bait or a free whatever, you get a different type of person, okay? So I'm not saying not to have organ, like free cheat sheets or lead magnets out there. You can see I still have them like within my Facebook group whenever someone joins they can say they want it. But I don't ever run paid advertising to a free cheat sheet or a free lead magnet. And it's because I want to attract buyers. People are gonna spend money and not people who are looking for all the free stuff online, okay? So this is why we validate our bait with free methods first then once we get 50 subscribers we use paid traffic to build a list of buyers. Now, once someone becomes a customer or a buyer we can sell them other offers on the backend. So for example, I have the ebook on the front end then I have some lower ticket courses around client acquisition to help them out with that some DIY courses. And then I have like a coaching program on the higher end of things, right? Where people can sign up for that. So I have some people who just buy the ebook. I have some people who buy the ebook and the mid-level courses. Then I have other people who will buy the ebook mid-level course and the highest level coaching program because they want all the support possible. And even on top of that I also have a done for you services and consulting services where I go into their business and I just do it for them. And that's like at the premium level, okay? So I have all of these different offerings at different tiers. And my goal is to get customers in. And if I can get them for free or even make a profit, get paid to make to get customers that is awesome to me, right? That's what I want. So it might be different from what you want. You might be more obsessed with building a list and just having a big list. I'm okay with the smaller list and having it be all of buyers. People who have spent money with me, which is, I mean, that's what I want. So let's talk about real quick the flywheel method to grow your list and your social media audience at the same time. Okay, so this is the way that it works. And you don't have to use the exact channels that I'm using. But I would recommend having like your Facebook group in there. So I'm gonna show you real quick what this means, the flywheel method. So the way that it works is I post a YouTube video and I post the video every, you know, Tuesday and Thursday I do a live stream. So I post the video on YouTube and I have a link in the comments and the description that lead people to my Facebook group. And as you saw in my Facebook group, people can enter their email to get a cheat sheet, right? So they are watching my YouTube video. They're subscribing to my YouTube channel. They're watching my content. They're, you know, building that. I'm building that bond with them as you're watching my YouTube video. They like the YouTube video. They hop over to my Facebook group. They give me their email address. And now they're also on my email list. And now I can email them every day, right? There's some automation email setup and there's also some daily email setup. And now I have all these three platforms growing at the same time. And I have one person who is viewing all my content on all these platforms. They're seeing my YouTube videos. They're seeing my Facebook group posts. And they are seeing my emails daily on my list, right? So I'm building that relationship quickly. And then I'm building all these platforms at the same time. So I'm gonna show you an example real quick so you can see it in action what's happening. I'm gonna go to my videos here and I'm gonna show you what this looks like. So this is, oh, I actually just, this is perfect because I just launched this Facebook group. So you can see here, I posted a video. Content creators, why it's deadly to build your business on social media. Do this instead. So I'm trying to attract content creators and people who create any kind of content or info products. And I want to work with those types of people. So I'm creating YouTube videos around that. And I'm trying to get them into my group about email marketing. So they can click, you can see here, join my new email marketing rainmakers Facebook group. Also in the description, join my group here. And I also link to my passive income product as well. You can see my six figure drop servicing ebook. If they click on this, it takes them to my Facebook group. And again, you can see, I didn't launch this yet, but you can see 42 people wanna join this group and the only place that I'm talking about this is on my YouTube channel. And you can see here, where is it? Email, they're giving me their email address. Enter your email to get my subject line secret special report. So again, I am building my YouTube channel. I am building a Facebook group. And I'm also building my email list. The most important part is getting them onto my email list, right? So I can sell them my product services and offerings. So let me jump back in here. That is the flywheel method. And I love this method. I don't know if I learned this specifically from anybody. I've learned how to do Facebook groups from certain people and how to send emails and how to create some YouTube videos. But I kinda just created this system just by posting videos and having it all siphoned to one another. So I love this because it builds all these at the same time. I could take one email that I create and turn it into a video, post it on my Facebook group, post it on the YouTube community tab and then send it out to my email list and just build all these platforms at once. So that was a bit of a ramble, but let's go back into what we covered, quick recap. Talked about the three reasons to build, to start building your list now. How to build an email list for free. How to speed up your list building with paid methods and why running paid ads to a free lead magnet is risky why never do this. And the flywheel method to grow your list and your social media audience at the same time. And that's it for this video. Next week we're gonna talk about how to make money from your email list. The different types of revenue models or the different types of business models that you can use with your email list. If you wanna join the Facebook group, go to emailrainmaker.com. That'll take you directly to the Facebook group where you can join and I'll be opening it up real soon here. So that's it for this video. I hope you guys like this, got value. If you have any questions, comment below and I'll see you next week.


YouTube team keep it clean what's going on the same graven here with another video and another episode a special episode of NFL questions from subscribers and what's questions from subscribers is it's a series where you can ask me any NFL question You want to based off of any NFL team and we answered in the video just like this now If you would like to be a part of NFL questions from subscribers and you can send me an email to team keep it clean at Gmail.com don't send it anywhere else send it to team keep it clean at gmail.com and And then we'll possibly answer your question in the video just like this or the live streams like you know, we love to do Team keep it clean. I really love y'all. I appreciate y'all yesterday was a very very Special day is a very different day too because as y'all know I have to tell you all the time me and my family me and my Wife and Carter we spend a lot of time together like I know y'all see like a whole bunch of videos We see videos every single day before as many videos as you see me and my wife and Carter We spend like probably like four or five twenty times that amount of time together Carter does a school from home. She works from home I obviously work from home and so we together a lot but even outside of work in school We always vibing together chilling together playing video games together. Those of y'all that follow on Instagram y'all see stuff sometimes but Yesterday yesterday was different because yesterday shout out to my god came near for the suggestion But yesterday when we were spending time together turned off all the notifications from Twitter Turned off all the notifications from Instagram.  Oh man. What's going on? Let me see if I'm missing anything But yesterday I was like no We are going to take this time off and be all the way off And I was telling her all day yesterday like man, this this is one of the best days ever man It's one of the best days ever and I was thinking like man if we miss something. Okay. Oh, well, we'll just catch up on it later But it just so happened that nothing happened yesterday with the Ravens anything in NFL really so it worked itself out But I just I really really appreciated it So it just gave me a nice little friendly reminder of balance and proper balance and a healthy balance You can work hard. Definitely work hard. Whatever you do work hard at it But also remember to relax and enjoy stuff just as hard to So anyway, team keeping clean. We got our question from subscriber today from my guy TMW He said you see how these Ravens are trying hard to get a wide receiver Yeah, we've been seeing it. We saw it would of course juju We saw with TY Hill and we saw with Sammy Watkins and they circled back around with Sammy But anyway, we've seen it. You've definitely seen it He said but losing Jude on and in Gakwe will hit hard Now we know the Ravens. They didn't put up any sexy numbers when it came to the sex We know that but they definitely were up there when it came to QB hits and the thing about Jude on Jude on he that's the QB hit came, you know that dude He loved getting him some QB hits now this in the sex department It was kind of lacking a bit, but it was like that with the entire Ravens team So Jude on was not alone in that situation and in Gakwe. We all We traded for in Gakwe. He was somebody that I can't say we all but a lot of us were very excited when he came on board And I think most people were probably excited when he came on board We like oh man, we've been waiting for this me personally I had been wanting this for years and the Ravens actually did it. I was like, oh me oh my And I had even said plenty of times like man the sign the bring them bringing in in Gakwe That pretty much spells the end of mad judo They're pretty much let you know a if they're gonna have to choose between the two it's gonna be in Gakwe That gets the deal that was obviously before This season transpired and before or we saw the Ravens time that was spent within Gakwe And how it just wasn't the best match wasn't the best fit and it just it's kind of like a Small to medium sized yikes He wasn't bad anything and he was just almost get to the quarterback He would get so close but so far at the same time, but he wasn't a bad player at all He's not a bad play at all. Just it just wasn't the best fit so Ravens moved on from both him and Judon and now they they've had they have sort of a Deficiency at the pass rush position, but let's get back into his question He said I think we should go for somebody like a Justin Houston or and Melvin Ingram or really and or So what are your thoughts? So? You know Ravens if they like somebody at pass rush like we've seen with a unique in Gakwe if they really like somebody and At first they don't succeed then they'll be willing to try again. This happened with Justin Houston I want to say two years ago. They love Justin Houston. They like Justin Houston a lot They wanted to bring in Justin Houston. They wanted to sign Justin Houston, but what happened? Justin Houston was like mmm I'm gonna go to that old Baltimore team not the new one, but I'll go to the old one. I'm going to Indianapolis sorry Ravens and A lot of people were like, ah, we missed out on them That sucks and he could have made the pass rush that much better And he been doing this thing over there with the coats But that relationship has come to an end now. So do the Ravens like him enough to where they're they'll circle back around We'll see but with Melvin Ingram He's somebody that We talked about him before And he would be somebody I mean it's really both of these guys I wouldn't mind and even if the Ravens got both of them, I wouldn't mind now one thing to keep in mind too is that The the when the compics don't count against the well when signing people don't doesn't count against the compic formula Because you know Ravens love their compics and right now they're scheduled to get two For the losses of unique in Gakwe and Matt Jude on Um That's sometime in May So Ravens and a lot of teams could hold off on signing some guys until then But my thing is like man, and they're gonna get another compic for David Cully, too So they actually scheduled to get three but My thing is with the compics like You could hold out and you could wait until like these these guys don't count against the compic formula But if you really got somebody that can really help your team out and can really like Push you over another level or even not saying that these guys are really over there will take the Ravens to the top Anything like that, but if you got somebody that's sitting out there You waiting on that whole compic formula. Oh man, that could just Not destroy you, but you could really miss out on something big time. You really could So Ravens, we'll see what they do there But as far as um He's talking about the pass rush, obviously we're speaking about Matt Jude on and and Yannick and Gakwe and then The possibility of bringing in Justin Houston and Melvin Ingram So that they could go for a veteran. They obviously brought back Tyus Bowser But we know he's gonna be doing a lot of dropping back him and Jude on play the same position So he's I don't expect his sack numbers to be super high anything like that because he's not going to strictly be a pass rusher and Make sure while we go into this season, please keep that in your minds that Tyus Bowser is not strictly a pass rusher He's gonna be moved around. He's gonna be doing different things.  Don't expect it. I would say That'd be nice if it happens too, but he's gonna be used to do a mix of things But who else do the Ravens have at pass rush? Well, when you think about the defensive line, of course You got Brandon Williams, Kaleas Campbell, Derek Wolff. Monsters are all back shout out to Brandon Williams and Kaleas Campbell for restructuring Their deals and Derek Wolff to for agreeing with for that cheap cheap super cheap deal But then you also have G hard Ward left as well You have Jalen Ferguson who was an active for the end of last season and even in the playoffs too I believe so there's him you did bring back pernell McPhee, but again pernell McPhee He's he's an older guy our defensive line. Yeah, they definitely some veterans. We got some veterans there But if you brought in a Melvin Ingram and Justin Houston, it will definitely bring some veterans there to keep some veterans there But what you really want Right now you you want a good combination of both speed and power Speed and power. So who could give you a good combination of both of those things youth that's why if Ravens are on the clock at 27 and Is somebody by the name? I know a lot of people they love Jalen Phillips I now got to do some more research on him, but from what I saw from him so far Yeah, he definitely looks the part But after he had his pro day the other day. Yeah, he's he's not gonna be there man. There's no way that That's no way that that dude is at 27 man.   I want to say so that's decent, but I mean for a defensive in this that's good but um When he strikes when he hits the quarterback He does it with power He does it with power and he is a sure wrap-up tackler and When he gets to the quarterback, he doesn't let him go Another thing that I liked about him is that they put him on different stunts They moved him around on that defensive line and he is somebody that he gets after that like he knew he gets after that quarterback and I love how my guy JT put it and he talked about when he talked about Aziz old you Larry He said that he's somebody that Again, it's not about he ain't got no particular move. That's his specialty He's not a one-trick pony anything like that But he lets it be known through his play that he is going to get to that quarterback by any means necessary Any means necessary I've seen this guy rush from the inside I've seen this guy rush from the outside and again, that's something that I think the Ravens are really Trying to go for when it comes to their defensive line this year But he would be somebody that is obviously young. He got some good speed, but he got that power, too and He is a very relentless past Russia So would a Melvin Ingham that be cool would adjust in Houston that be cool And I do still expect the Ravens to add a veteran at the past rush position But you have to have an injection of youth to now Jalen Ferguson He is technically an outside linebacker, but he's not an outside linebacker. He's more so a d-end He's definitely a d-end like my guy be what's to be word 52 said a long time ago He said Jalen Ferguson his hand needs to be in the dirt Needs to be in the dirt drop him back. No in coverage. No his hand needs to be in the dirt He needs to be setting that edge. He needs to be a defensive end But Aziz, oh July man if he's there I Would not be mad. There will be no complaints for me if the Ravens scooped him because that would be a score. I Would love that and I think that would be a very very big Solution maybe not even the solution if it was the solution that'd be great But he could be a part of a solution when it comes to the Ravens past rush and you mix him in again with Pernel McPhee and the defensive line and all those guys tie his body you mix them in with everybody. Hey It's a match for me So team can be clean. I love y'all. I appreciate y'all shout out to my god TMW for this question and Like hopefully Aziz. Oh, July won't be when it comes to pick 27 and well, he won't be off the board. Oh man I'm trying not to fall in love when he's any particular prospects because I don't want my heart broken like it was Last year because if y'all were here last year, y'all remember me. I Do not Jerry Judy Rug CD lamb. I was like, oh Ravens, please, please. Oh, I know it's not likely But I was like, oh Ravens, please and then especially right but the night of the draft literally right before the draft That news came out about the Ravens trying to trade for the Andre Hopkins So I was already falling in love with these draft prospects for the Ravens Even though I knew it wasn't likely to happen and then Adam chef to drop that bomb about the Andre Hopkins the Ravens trying to trade for the Andre Hopkins and failing and My heart was just oh, that was a tough night, man That was a tough night at the wide receiving position for me, man. I was just like, oh goodness gracious. Why? Why is the one watch so much heartbreak when I heard their names get called. I was like, oh but It's all part of the process man. I love y'all man y'all stay up y'all continue being positive And be good to people man team keep it clean. This was an episode of NFL question from subscribers And I'm out we go


What do my football clubs divided up in that? You were up with us a few months ago and I was lovely to have you up and when we brought you up we said, when you were, what's that? Please do, you were the first artist that we asked to come on the show Very special so we do Paul No, no, we haven't got anybody else yet No, I'm only joking, I'm only joking No, but since then, your songwriting, how have things been? Songwriting's been going good I am going up into this recording studio on the first, second week in January Something like that, haven't really announced it yet Okay, well you've noticed it now That's a better way to do it Tell me this, what are you putting together, an album of your own music? I think we're going to start off with the first song and we'll see how it goes and then we'll float about and kind of see how that works about What are you going? I just don't want to give all my details just away just yet No, that's okay, that's okay Keep it secret, hush hush Take all here


Hello everyone, this is Amit Dan and on this channel you can find financial travel and more videos. If you like what you see, please do the thumbs up and consider subscribing. Thank you. Hello everyone, this is Amit Dan of amitdan.com. In the past, I wrote about Stack Prepaid MasterCard on my website and I did videos on my YouTube channel. Stack Prepaid MasterCard does not charge any foreign transaction fees or any foreign ATM withdrawal fees. And today I'll show you two practical examples of when I charged or I used my Stack Prepaid MasterCard in two different countries. Australia and Malaysia to take out money from using ATMs and whether it charges foreign ATM withdrawal fees or not. I did not record my first ATM which is in Sydney, Australia. So you're looking at the scenes from Sydney, Australia and my ATM was located in this neighborhood. And I took out 50 Australian dollars using my Stack Prepaid MasterCard and I'm going to show you the receipt. So the ATM machine I charged I used was the NAB ATM machine which is the National Australian Bank. It is one of the four largest banks in Australia. And that particular ATM machine charged me $3 transaction fee. So this $3 is actually not charged by a Stack Prepaid MasterCard but rather it was charged by the NAB or National Australian Bank ATM machine. And you can see right there that there's a $3 charge to use the Stack Prepaid MasterCard to withdraw money from an Australian ATM in Sydney. Now you're looking at an ATM machine in Kuala Lumpur and this is a mall. And this time I used a RHB Bank machine which is a Malaysian Bank. And I took out 50 ringgit or which is the Malaysian currency.  So I guess they were just giving me some sort of warning that there will be $3 charge for this withdrawal. But that $3 charge actually this machine was referring to my bank not their own charges. So when I withdraw the money from this machine I ended up having to pay nothing because the machine itself did not charge anything. And I'm going to show you the receipt as well. So this machine was able to give me the Malaysian currency without charging anything. And then when I later checked my stack transactions then I saw there was no charges. So in Australia I paid $3 Australian which was charged by the Australian ATM machine. And in Malaysia I did not pay anything to take out foreign currency. So I hope you find this video helpful. And if you like what you see please give it a thumbs up and subscribe because there will be more travel and financial videos coming up. So I'll see you shortly and just take a look at the receipt and you'll see that there's no charges levied by the ATM itself. So that's all for today. Thank you and I'll see you in the next video.