Primatica kept growing by an average of 34% month by month, even during the pandemic, all while being a fully remote company without an office. Hello, hello. Can everybody see me? Thank you for joining us, Robbie. Thank you. Thank you guys for attending this lecture. In this lecture, I'm basically going to explain to you what are the secrets and the tools that I've used to scale up my company at a very high rate, exponentially, basically, even during the pandemic. So our company is called Primatica. We're a B2B automation company, and we're a completely remote company. We've built everything just in the last eight months. So literally, we got started during COVID.  Even if you're not in any of these, not in sales, not in marketing, and not a business owner, I'm going to teach you here different skills and mindsets that are going to help you improve your life. Again, if you're a teacher or any kind of person, any kind of business or job, this is going to change your life. So first of all, I'd like to tell you a bit more about me. So again, my name is Robbie. I'm the co-owner of Primatica. I am 27 years old, and I'm a husband and father. Basically, I have a one-year-old baby at this point and hopefully more in the future. I've invested personally over $45,000 in mentors throughout my life. So I took risks from a very, very young age because of my journey to become successful. And here's the bad thing. So I actually failed in many, many businesses. I've owned and managed about eight different businesses since age 17. And all of them were failures. All of them either did not start well and just failed in the first month. I quit on, they got bankrupt, they grew a bit and then they failed. So I have a very impressive list of failures behind me, which is going to be very relevant because of what I'm going to explain to you later. So what I want to emphasize in this conversation, because I'm going to show you some pretty impressive things, is I'm not terribly smart. I'm a terrible manager. I'm not organized at all. And I don't have very high discipline. And also one thing that I didn't include here, I'm not a very positive person either.  You need to improve yourself. You need to have self-discipline. All of those things, they're good. They can definitely help you. I can tell you that I did not achieve any of those. So these are not qualities that I can attribute to myself, but still I managed to build a company that's almost making seven figures at this point within less than a year. And I'm going to explain exactly how I did it. Now, what are the good qualities about me? What can I say about myself that is actually good? Let me, by the way, can you guys see me or can you only see the screen? You can only see the screen, right? We see you on the screen. Oh, perfect. Okay, good. I thought you only see the screen. Thank you so much. But you are smaller than the screen. That's okay. I'm not a very large person in real life as well. So that's fine. Okay, so the good things about me, three good qualities that I've had since I was very young. And these are not qualities that I've had to work for. Again, I'm really trying to tell you who I am so you understand where I'm coming from, Uthuan, I'm going to show you. I've always been an autodiduct. So an autodiduct is somebody who's very good at teaching themselves. I've never been good at school. I've always skipped school because I would always teach myself things. So when I wanted to learn programming, I went to Google, I got a few courses, I watched some YouTube videos, I learned programming. When I wanted to learn marketing, I basically went to Google, search for how to be a better marketer and learn that. Same thing with sales. Same thing with almost anything I've done in my life. Anytime I've had a problem, I've Googled it and found the solution. So that's the first good thing about me that I had from a very young age. Second thing is that I've always been a big, big dreamer. So I've always had very big ambitions for what I wanted to achieve in my life. And no matter what, even good times, bad times, when I was happy, when I was depressed, I've always had very big dreams and very big ambitions.  And finally, I'm relentless. So no matter how many times I failed or no matter how many times things went badly, I've always tried again and again and again and again. And it doesn't always look pretty. It doesn't always come out well. But I've always tried again and giving up was just never an option for me. Sometimes I would give up for a month or a few months or half a year, but I never looked at giving up as an absolute thing. I've never honestly stopped. I've always kept trying, sometimes stopping for a moment, but I've always tried again and again and again. So these are the three qualities I can tell you about me. And just to show you an example of one of my biggest failures. So basically, you can see this, this hall right here. I've basically spent about $15,000 trying to have a lecture with a few thousand people in it, and ended up only getting around 100 people to come through the lecture. So basically, what you're seeing here, the only the first two or three rows were full. So imagine putting $15,000 and dreaming big and thinking, I'm going to fill this audience and it's going to be amazing and only having like two or three rows of people in there. So just an example to show you kind of visually the kind of stuff that I like to go for and the kind of risks and failures that I've taken in my life. Now let me tell you a bit more about my company and then we'll actually get into the different teaching and I also show you the kind of results that we've generated. So my company is Primatica. We're the most effective B2B marketing automation service on the planet. The company basically exists for only eight months. We've had the idea for about 10 months. We started it eight months ago. We had our first sale about six months ago. And now we're at the point that we're at and I'm going to explain more about that. It's 100% remote. So the company never had a big office. We only me and my partner had a small room that we've rented. We have 27 employees. All of them are from all around the world. So we have employees from the United States, Canada, Romania, Bulgaria, Philippines, India, any country around the world we probably hired or fired somebody from there. And it's 100% bootstrapped. So if anybody doesn't know, bootstrap means that the company never got an investment, started off with basically zero money and had to grow internally using sales. So that's why it's very relevant if you're in sales, marketing or a business owner. We're currently working with 104 clients. So at this point in the company's development, we have 104 clients. We charge on average anywhere from $1,500 to $2,000 a month. And it changes. Some clients, we work with them full time. Some clients we do pause or special services. But that's where we're at right now. The company works without me and my partner. So basically, one very important thing is me and my partner can basically take right now a vacation for two or three weeks. And the company would just continue working. Everything would be good. It's going to continue working and growing. So I'm basically telling you in eight months, we've managed to develop a system from zero, basically with higher developers and create a system from zero that we used to generate results for our clients, get more than 100 clients, hire and keep more than two dozen employees, and do it all in a way that's basically sustainable where we don't even have to work. And also, we've recently started looking into investments. Just last week, we started kind of searching around for people who would be interested in investing. And at this point, just a week later, we already have several people interested in investing in us anywhere from $100,000 to $2 million. So what I'm showing you, everything was done in eight months. And I'm going to explain exactly how we've done it. And again, I wanted to be clear when I showed you the slide earlier, the point here was to show you I'm not a good manager. I'm not organized. I'm not disciplined. I'm not a positive person. So and I failed a lot. I lost hundreds of thousands of dollars in my life. So it's not, I'm not a special guy. I'm not super smart. It's just doing the right things. So here, I'm going to show you a bit about our revenue. Now, this is what I can show you. Basically, the company started around March. We had our first sale. And if anybody else remembers what happened in March, what happened in March was the COVID thing started. So around January, February, people talked about it. Around March, we started having the lockdowns. So this company literally grew from zero during the pandemic. And the growth you're seeing here, these are estimate numbers. These are not exact to the dollar, but it shows you a very accurate way of how our company grew over the months. So as you can see, it's an exponential growth. This month, we're projected to make even more money around $75,000 to $80,000, because the growth is actually accelerating. And it's only going to accelerate more and more as we build the systems and make things work better. And in this time, by the way, the only sales people in the company were me and another guy that helped me with sales. So all of this revenue was generated through my sales, as well as somebody who helped me a bit. So this is just to show you what we've done financially. Again, very transparent. If you think these numbers are impressive, fantastic. If you think they're not, also great. There's a lot for you to learn and get value here. So I'm going to teach you seven tools that we've used to do this, how we've managed to create this massive growth. And again, I'm giving you very bold claims here. You guys can feel free to check up on me three months from now, six months from now, a year from now and say, hey, Robbie, where is the company at right now? And I guarantee you, it's going to continue growing exponentially, because when you can do the right things, when you know the right formula, and you just repeat it again and again and again at different levels, then the growth is natural. So I'm going to show you here seven tools. The first one being mindset. So how do you have the right mindset to do this in the first place? The second one is about promotion and marketing. Third one is how to maximize your sales. Fourth one is how to optimize and target properly the right people with the right offer. The next one is partnerships, how to set up the right partnerships to set you up for success. The number six is building systems that are going to make everything more efficient than make scaling and growing natural. And finally, the holy grail, hiring, and why hiring is literally the most important thing you can do in your company, why it might be even more important than income. By the way, Dennis, I'm not monitoring my time, so again, there are seven principles. If for any reason you see I'm going too slow or too fast, feel free to let me know so I can adjust. So number one, you got to have the right mindset. The first tool, the most important tool to start with, that we've used to make this growth is that we've always had the right mindset from day one. Again, me and my partner came into this with a lot of experience, not a lot of successes, but a lot of experience. So we've already kind of known what the right mindset is that it's going to create success. And if you got the right mindset, you're already there. You already have most of your success done for you. So I'm going to just outline a few important principles, make sure you write these down, make sure you really, really think about these, because each one of these principles alone could completely change your life and definitely change mine. So first one is that enthusiasm is contagious. So you're seeing me speak, you're seeing how I talk right now. I'm not 10 out of 10 in enthusiasm. I think I'm like seven or eight out of 10 right now. Maybe you think more, maybe you think less. I know for me, I'm an introvert, okay. I'm a shy guy. I don't like to talk to people. My best place to be is alone with myself, either in front of the computer or just walking and writing things down on my phone. But whenever I'm in this kind of situation, whether it's a sales call, whether I'm talking to my team, I always make sure to extrovert myself to be enthusiastic, to have higher energy than anybody around me, because enthusiasm is contagious. Even if you're not charismatic, even if you're not very confident, just being enthusiastic is going to help you get a lot of attention and get the right people to invest in your ideas. Next up is I'm always fully committed. So I may be wrong, but I'm never in doubt. This is a lesson that I've learned from a mentor that I spent $30,000 just to get this one lesson is even if you're wrong, you never want to be in doubt. You always want to project confidence. You always want to show people that you're confident, that you know what you're doing. Whenever we hire salespeople or we talk to people that want to interview with us or want us to help them with sales, the first thing that I notice is they're just not very confident. When they talk, it's just very clear, very visible in the way that they communicate, that they don't believe in what they say. They don't believe in what they do. So they say a lot of ums, and I'm not sure, and let me think about it. It's very important. I mean, I've just had a sales call like literally like half an hour ago with a guy who wants to sign up five companies to work with us, and he asked me a lot of questions and everything he asked me. The answer is yes, absolutely. We can do that. We'll get it done. I'm confident we can get you the results. I guarantee you this is going to work. We're going to do everything it takes. We're going to take care of you. At some point, he asked me so many questions. I just told him, look, the answer is probably going to be yes. He says, I have a few questions to say, whatever it is, it's probably going to be yes. It's very, very important that you put yourself in this mindset where you just come at the client with so much enthusiasm and confidence and you're just, yes, sure, absolutely. You're right. I have no doubt about it. I'm confident about it. We'll get it done. Make sure to project that. When you can project that, people will literally do anything for you. Okay. There's about 60, 70% of people with certain types of personality where if you talk like that, it doesn't matter what you're selling. It doesn't matter how much it costs. Just the fact that you're talking like that is going to make them want to join you because they're attracted to that kind of energy. Okay. Next up is the can't lose mentality.  I know this is a tough message, but it's also very positive. Okay. Think of Nelson Mandela. If you guys don't know him, Nelson Mandela is one of the most influential people in the world. The guy got locked in jail for 27 years. He tried to help release Africa from the apartheid. He got in jail for 27 years. He came out. He became the president of Africa and he changed the world. Okay. No matter what happens, no matter how much you failed, no matter how bad it is, you cannot lose. There is no ending because you can always try again. You can always have another idea and other business and other sales call. So no matter how good or things or bad things get, remember you cannot lose. As long as you're alive, you can always try again. As long as I can use my mouth to talk and use my hands to write or sign the commitments, I can always try again. Next up, find the hidden 99%.  We have 0.0001% of reality that we notice and we tend to ignore the rest of reality. So we think what I'm seeing, that's reality. That's the way it is. And it's a very bad attitude to have because if Bill Gates was in your situation, he would look at your life very differently.  Whatever problems you have, they probably don't even notice them. So always remember that whatever situation there is, no matter how sure you are that this is the situation, these are the options I have. Remember that there's an extra 99.9% that you're not even aware of that you don't even know exists. And you need to start paying attention to it. You need to start asking yourself, what am I not noticing? What questions am I not asking myself? And that leads me to the next one, which is to avoid the attention grabbers. So almost anything in life that's going to try to get your attention is the wrong thing. In life, a lot of things are going to try to get your attention, meaning that different people, messages, notifications, situations, bills, these things are going to tell you, notice me, notice me, I'm so important, you have to notice me. These are usually the wrong thing. 99% of the time you should not be paying attention to them because these are not the things that are going to move you forward. So whenever something tries to grab your attention, ask yourself, what am I not paying attention to? How can I refocus so I can focus on my dreams? Because remember, if you can achieve your dreams, if you can accomplish your goals, that usually solves everything.  Whatever problems you have, you're going to get to a higher level of problems. Next up, the quality of your life is the quality of the questions he asks. So who here has asked themselves today, how can I make 10 times as much money next month as I did this month? Or how can I make tomorrow the best day I've ever had? Or how can I think, what ideas can I think of right now that are going to absolutely change my life? Or a question like what is my biggest passion in life? Or what am I not paying attention to right now that if I do it would change my life? Or what is the best business I can start today that would not take up more of my time? Or what is my next million dollar idea? Or what am I so happy and grateful about? You need to ask more quality questions. Your quality of life is determined by the quality of questions you ask.  You're focusing your questions on how do I solve this problem? Can it ever get better? Is it going to get better? The questions you ask yourself are going to determine how your life is going to look like. So start asking high quality questions and ask them again and again and again and again. What do I care about? What do I love? What makes me happy? What will I do anything for? What am I willing to suffer to achieve in my life? What am I willing to do anything to make it happen? What is the next million dollar idea that's just hiding in my brain? Again just ask those high quality questions. It's going to change your life. Finally infinite amount of attempts. Go all in. Basically in life you have an infinite amount of attempts. As I said in the can't lose in the earlier part of the can't lose mentality. You cannot lose until you die. So you can always try again. You can try again 10 times today. You can try picking up the phone right now and making a sales call. You can open up a new business today. You can always try again no matter how good or bad things are. You can always try again and again and again and again and again. And nobody limits you. Nobody's giving you a limit. There's no limit to how many emails you can send, how many sales calls you can do, how many people you can call, how many partners you can find, how many businesses you can start. You can always try again and again and again so why not try as many times as possible and always go all in because imagine if you played poker and you had an infinite amount of chips you cannot lose. You can always replenish your chips. So you would always go all in. You'd always say here's all my chips. Let's bet on it because I don't care. I can always try again and bet all in again. So that's the mindset part. Okay you get this right. 80, 90 percent of the battle is already won. Okay you do this. Any goal you have in life you're probably going to accomplish. You're going to get very close to it. Okay so write these down. Make sure you adopt them. And again you can have a recording of this presentation when it's done. Ask Dennis about it. I'm not sure about the logistics but you're going to get this presentation. Now you're going to notice that the tools that I created here I call all of them tool number one because what happens when you go from one to seven then in our brains we start to think number two is less important than number one. Number three is less important than number two. So all the tools I'm going to show you are going to be tool number one because if you even apply just one of the tools here it's going to change your life. If you're going to change them all together I can even tell you how amazing your life is going to get. Okay so sales. You have to create confidence in your sales.  There's no enthusiasm. There's no passion behind it. There's no excitement and you're not confident in what you're selling. You need to make your offer so good that it's really hard to say no to. Whenever I sell to somebody and they say I have to think about it I say fantastic because the more you'll think about it the more you'll want it. Okay because I know I have a really really good offer. Okay right now especially with the pandemic clients need confidence. They need to be confident about what you're selling. They're looking for confidence. The main thing you're selling right now it's not an app or service or product. It's confidence. It's the feeling that everything is good. Everything is going to be okay. Hopeful. You're hopeful. You're optimistic. That's what makes markets work. It's not the financials. It's the positivity. It's people being excited and wanting to start new businesses. That's what makes people happy. That's what makes people buy. So you need to create confidence in your deal. How do you actually do that? First of all leverage existing implicit commitments that you have that you're just not explicitly stating. Now that's a very complicated sentence so let me break it down. What I mean is if you sell a product you sell I don't know a service coaching consulting insurance whatever it is and you know that if somebody had a terrible experience it just it did not work in any way you're going to refund them. You're going to give them their money back.  Why are you not explicitly telling them?  If you're not happy for any reason let me know and I'll give you your money back or if you already guarantee them something like with Primatica we guarantee you minimum 50 leads in the first month. We always guaranteed that but we never thought to include it in the actual commitments. We would always just do it implicitly. Anytime a client didn't have good results we wouldn't ask them to pay again. We would just give them more service for free because we wanted to get them to a good result. Once we put that guarantee into the actual contract, into the actual marketing and we put it on top people started buying a lot more because you're projecting confidence.  You need to be able to paint that exciting picture. You need to be able to feel so good about your offer that you don't need to pressure the client because you just know that they're going to come back because there's no better offer than that. Make your deal so good. Make it so good that you want to scream it to the world. You want to tell everybody look at my deal. It's the best deal in the world. If you cannot comfortably say I have the best service, it is the best product, it is the best investment you can make. You cannot lose money with us. You can only win.  This is exactly what you need. If you cannot say that with the same confidence and certainty that I'm saying right now to your prospect, you need to go back and ask yourself what do I need to change about my mindset or about the offer so that I'm able to scream at it confidently because that's what's going to help you sail. I'm not a great salesperson but I get very good sales. The reason is I project confidence which makes people confident in me.  It's going to make your sales boom. No need for tactics, no need for crazy follow-up ideas. Be confident and everything will usually work itself out. If you're extremely confident about your offer, you'll usually do the right things automatically. You'll talk with the right tone, the right enthusiasm, you'll follow up a lot, you'll pressure just at the right times because you feel good. Most of the reasons why sales people act weird and do bad stuff or don't follow up is just because they don't really, really believe and they're not really excited about their product. Next up, promote, promote, promote. If you look at what I'm doing here, you'll see I have my Promatica hat. I have my Promatica background.  Whether you're in sales or whether you're a business owner, set up a campaign, put $5 a day on Facebook advertising and make sure that every single person that visited your website gets to see your ads again and again and again. You need to be your biggest cheerleader. Promotion is key.  The more people that know you and think about you, the more lucky you're going to get. Next up, expand hyper focus and then expand again. The reason we were able to grow so fast is because what we did was we started off with a very broad audience with a lot of ideas, a lot of offers and a lot of marketing content and we tried a lot of different things. We tried about a thousand different email types, combinations, pictures, audiences until we find the exact audience that reacts to the exact message, to the exact offer that works the best. That was marketing agencies with a very specific message. That's what worked for us best. So what we did was we put that marketing on steroids. We focused, we went from very broad to focusing on one very specific niche, dominating it. And then once we've dominated it, we expanded again to a larger market. So you want to start very big, find your perfect audience and then expand again once you've managed to maximize that audience. Next up, create an effective partnership.  I'm terrible at management, I'm terrible at managing people, at managing financial money and stuff. I'm very good at marketing and promoting things. So what I did was I found a partner who I trust, who I love very dearly, that whatever I'm bad at, he's extremely good at. And that created a beautiful situation where no matter what, everything is always okay in the company because whatever I'm bad at, he's going to be good at, whatever I'm bad at, I'm good at, he's going to be bad at.   And that way, you're going to have a very healthy business. Most people fail not because they didn't try hard enough, but because they didn't account for the things they're bad at. And they try to get good at the things they're bad at instead of just finding somebody to do it for them. We've got only one or two more. Yeah, we've got just two more. So next up, systemize everything. Every step of the process, we always try to systemize everything that we were doing. It's very critical that you try to systemize everything that you're doing. And the reason is that if you don't systemize things, when your business gets bigger, when you sell more, it's going to become harder and harder to grow. So we always try to systemize everything. We systemize our marketing process by hiring a VA, a virtual assistant to help us reply to emails, and people who are interested in teaching them how to do that. We, to qualify prospects, we built a really long and beautiful form that people have to feel if they want to schedule a call with us to, to automate our sales process. I just, I sold again, every sales call for you guys, it's probably very similar. You repeat the same things again and again and again.  It just explained it very quickly. So by the time I'm on a call with somebody, I can just go to, to straight to closing because he's already watched the video. So instead of doing 10 sales calls that each sales call is 40 minutes and just repeat the same thing again and again and again, do 20 minute sales calls and send them a 20 minute video that explains everything that you would explain to everybody on the same cell call again and again and again anyway. And that way you can control and give your best content automatically. We automated our hiring process by creating automatic forms, automatic interviews, and we've even automated our onboarding process. So again, I wish I had more time to discuss this. You can always search me up on Google, just write primatica. We have a lot of lectures about these things. But, but yeah, that's what I can do. One last thing. Final principle, the golden principle. Okay, always hire great people. Okay, the secret to success. One of the biggest secrets is to hire great people. This is the picture of our team. We have 27 people from all across the world. We live in a global economy. Okay, anybody right now, you can go to Google, you can find people that speak English from anywhere in the world. You can hire somebody to work for you eight hours a day for $300 and they'll say thank you $300 a month and they'll say thank you at the end of the month. Okay, we've hired everything from a marketing manager, salespeople, developers, a CTO, organizational manager, everything you can think of customer service. We've hired everything remotely. Okay, every single employee we have, we found in places such as Facebook, Upwork, LinkedIn, Freelancer. There's a lot of people right now because of COVID that are looking for work. And you need to hire internationally. You need to look for a lot of people.  There's always something you need help with. And if you can find it for the right price, it's going to change your life.  Don't think I can do everything by myself.  Okay, you want to have people helping you so you can live the life of your dreams and have other people work for you. It's actually going to be bigger and more successful and you're going to help more people along the way. Okay, so it feels good to pay the salary of a lot of people. It feels good to have a big business that can actually support me and my dreams. Okay, so the way you want to do it, you find people, qualify them very hard. So again, I wish I could go really into it. It's really a huge, huge, huge part of what I wanted to talk to you through. But unfortunately, I don't have the time and I want to take some Q&A. So summary, remember guys, you have all the tools in the world. There's an infinite amount of people, infinite amount of opportunities. We're all connected and your next breakthrough could be the next idea. Always rely on people. Always have people around you to help you hire people, get partners, stay focused on your goals. Don't get bogged down by the problems you have right now. Focus on the future and you can do it. Okay. So if you guys want to learn more about Primatica, just Google Primatica. You'll see us. We have a ton of great reviews. We work with everything from small businesses to Inc. 5000 companies. And again, we're going to amazing places and we'd like to take you along with us. We want to help you get to your target audience, generate hundreds of leads every month. And again, we're very excited, very happy to help you and help you grow your business. We have the best offer on the planet for marketing. So thank you. And yeah, we can, if it's okay Dennis, I'm available for Q and A.


Hey you guys, it's a vlog say hi, baby. Oh, we need to use that condition on your hair. We've been here We're leaving. I know I'm a horrible vlogger y'all I just be forgetting that I have all the stuff in my my purse and I could be Jamie tries to vlog he does. He's better than I am. We're in East Texas.  I'm gonna make JB some fries probably But it's so cold here y'all. I want to make myself something like You know, I'm gonna do fish JB. I'm gonna pick up some fish for me Fried fish so I'm gonna have myself some fried fish some fries and like some sauteed corn. That's what I'll do That's what I'll have. That's really quick. I'll have that. I'm gonna do whole fish, too So, yeah, we got to get home and have that ready, but we're gonna go to the Dollar General And see what they have there before we go over to my mom's house Jamie's hair is a mess because he was in the water. I'll show you what the water looks like They have an indoor pool. We've been here at this hotel before I stayed here for my high school union and For my mom's birthday party right before cold again Yeah, I know the viewing stuff is crazy. I've broken out something fierce. You see this you see the texture I've broken out. I know if it's the bedding here What's causing it right now? Yeah, I'm gonna try to get to my parents house without using Directions my mom takes me say, they're not gonna go to church this morning. So I said, okay, we can go over there I'm telling Jamie. I want to be out of horny by 11. I'm not gonna be here. But baby child We ate y'all. I probably should not be eating fried fish tonight, Jamie.   Let me tell you something. So my sister did like a baked potato bar Yeah, I know I'm smacking. She did like a baked potato bar, right?  They have a really beautiful indoor pool. Like I said it I've been to this one before I stayed here before Actually long view is pretty spacious long view is bigger than 40 long view has a little over a hundred thousand people I put that hotel is not bad true by Hilton


Personal Finance PowerPoint Presentation What is a mortgage clause? Get ready to get financially fit by practicing personal finance. Most financial decisions can be broken out into short-term decisions, long-term decisions, the short-term decisions being the one that we're going to train our gut to trust our gut, ones that we're going to be tinkering with. We're going to have trial and error to help us hone down our habits so that we can depend more on the habits and not have as much cognitive thinking for the day-to-day decisions. For the long-term decisions on the other hand, we have to use the adage of measure twice, cut once. We don't have the trial and error that we can use for the short-term type of decision-making processes and therefore we need a more formal process in place. So these are some of the steps that we might go through or some categorization of them. Number one, determine home ownership need. Number two, find and evaluate a property to purchase. Number three, price the property. Number four, obtain financing. Number five, close the purchase transaction. So what is a mortgage clause? Most of this information can be found at Investopedia, which you can find online and continue your references and research from there. And this is by Matt Ryan Webber, published March 15, 2022. A mortgage clause is found in many property insurance policies and it provides protection for a mortgage lender if the property is damaged. So clearly when purchasing a home, most people need financing for the home because they're not going to be able to put down simply cash for the home and therefore they're going to need a loan. So the lender will typically have or need the collateral to be safeguarding the loan of the home itself so that if you don't pay back or you default on the loan, they have recourse against it. They can possibly foreclose on the home so that they could sell it and recap the loan amount in that event. That of course leaves the lender concerned with the value of the home as well because the value of the home is going to be important because it is safeguarding the event that you don't pay back the loan. Now notice that that does not mean though that the lender owns part of the home. So if they have an 80% of the purchase price is lent to you, you took out a loan for it. That's not the same thing as the bank owning 80% of your home. You own 100% of the home and you have a loan that has recourse on the home at the 80%. That's a little bit different. You can kind of see that difference because the bank can't basically make decisions about what you do with the home generally. They're not going to say, hey, I want to color the house green. And so we're going to paint it green. They don't get any say about that. They only get to say about anything if you default on the payments because at that point in time, that's when they got the recourse at that point. So you will normally be asked to agree to a mortgage clause when you take out a mortgage. In effect, a mortgage clause is a separate agreement between your mortgage lender, the mortgagee. Notice that those terms, the mortgagee and the mortgageor can get a little bit confusing for people if you're not used to those terms. So once again, the mortgage lender, the mortgagee and the insurance company that is insuring your property.  A lender would not lend a substantial amount of money secured by a property without the inclusion of a mortgagee clause in the borrower's property insurance policy. So they are an important part of the mortgage and property insurance contracts. Mortgagee clause definition. Most mortgagee providers, mortgagees will require you the borrower or mortgageor to take the homeowner's insurance in order to get a loan. Homeowner's insurance provides you with protection against damage to your property and its contents, but it's also provides protection for your lender. The mortgagee clause is a key part of these protections. So let's go through that one more time. The mortgagee clause definition. Most mortgage providers, that's the mortgagees, the lenders will require you the borrower or the mortgageor to take out a homeowner's insurance in order to get a loan. The homeowner's insurance provides you with protection against damage to your property and its contents, but it also provides protection for your lender. So clearly that's going to be a benefit to the lender as well because, again, the home is going to be the collateral on default of the loan. The mortgagee clause is a key part of these protections. So a mortgagee clause states that if a property is damaged during the mortgage period, the insurance company must pay the mortgagee for this. For example, if you obtain a mortgage to buy a home or property and that property is then destroyed in a fire, the mortgagee clause would ensure that the loss would be payable to your lender even though it's part of your insurance policy. This clause also protects the lender in the event that you cause damage to the property, which leads to insurance providers to cancel the policy. For example, if you commit arson, an act that would void your insurance policy, the clause protects the mortgagee ensuring that your lender will still be covered. So you got that classic kind of example where you did something that means that it's not going to be something that the insurance company will cover with regards to you, but then what about the lender? The lender is still going to be involved in that. They're not the one that committed basically the arson in that event. So you would think that they're going to want to be secured in that situation. So how a mortgagee clause works. Most lenders require borrowers to have homeowners insurance and that the insurance policy include mortgagee clause. The policy will state who has to lean within the policy in some cases. If it's not a requirement to get a mortgage clause, a borrower must contact a lender to add the clause to their current contract. Mortgagee clauses provide valuable protection for lenders because of the way that mortgages work. When you take out a mortgage, you are essentially offering your home as collateral for a loan, which you promise to pay back. So remember how it kind of works here. People often kind of confuse this whole thing. Kind of clump it together as if like the bank is your partner and you're going into buying the home as the bank being your partner. Or they're often say that the bank owns like 80% of the home, which I understand what they're saying there, but it's also not totally right. You don't want to internalize that as actual fact. That's kind of an overstatement when someone says, hey, the bank owns 80% of the home. They're kind of overstating the fact that the bank that they got this big loan on it, but really what's happening, of course, is you're purchasing the home. That's between you and the and the home and the seller. You're buying the home, which is an asset. So you have the home. The home is yours. You own 100% of the home, but you had to take out a loan to finance it. So now you got the asset on the books and then you've got the financing, which is the loan, which is a liability. The net of the two is kind of the net asset impact on like your financial statements, but a loan is not the same thing as a partnership kind of agreement in the home. Because again, the bank doesn't have any recourse on the home unless you default on your obligation to pay under the loan in general. So the bank doesn't can't come over and say, hey, I want you to paint the home green. I want you to rework the driveway or this or that, you know, they don't have a vote even though you own 80% of it in financing terms. That's what you use to pay the home. They only kind of step in when there's a default. So if you can't keep the promise, your lender, the mortgagee can foreclose on the property and sell it to recoup costs. But if the property is damaged, the mortgagee's investment is put in jeopardy. The mortgagee clause ensures that the mortgage will be paid out even if you are responsible for the damage to the property. So clearly, you know, the house is collateral in the event that there's a problem. And so, but what if the home is actually damaged? Well, then they're going to want the, obviously the lender wants to be covered in that event, even if you are not covered in it because you violated some kind of rule within the agreement. So in other words, a mortgagee clause is a form of indemnity protection for the lender because if there is any loss or damage to the collateral property, the lender is indemnified up to the interest it has in that property. Mortgage clauses are an important component of the mortgage of the mortgage market. That's because without the protection of the mortgage clause, financial institutions would be unlikely to loan the large amounts of money necessary to purchase homes, office buildings or factors. So remember this whole process of the banks, what the banks are doing are they're mitigating the risk and reward process. These are long-term contracts. They want to give out the loan because they want the interest. They're making money on the interest, but they got to mitigate the risks involved. So obviously the collateral is a mitigation of the risk. That's why you have the collateral. But if you're not going to get paid back, if some other event happens, like, you know, it's not qualified. You no longer have the home anymore and you're not going to get paid back. That would increase the level of risk substantially, which is what they're trying to mitigate here. If you can mitigate that risk, if you can lower the risk to the bank, that's usually going to be better. They're more likely to give out the loan. So what is a mortgage clause example? Mortgagee clauses protect your lender from damage to your property even if you caused it. So even if you're the one that did the arson, you wouldn't get any insurance yourself possibly under that circumstance. But the lender wants to be covered.  So clearly if you burned your own house down, the insurance policy usually will have that as an exception to having to pay you for it. The clause protects the mortgage ensuring that your lender will still be covered. So the lender is going to say, I didn't burn the house down. I want to be covered under this because I can't sell the home anymore because he burnt it down. So is the mortgage the borrower? No, the mortgagee is the lender, specifically an entity that lends money to a borrower for the purpose of purchasing the real estate. So obviously the mortgagee is going to be the lender that's trying to be protected. They're protecting the collateral in the event that the borrower, the mortgagee, doesn't pay their money. So in a mortgage transaction, the lender serves as the mortgagee and the borrower is known as the mortgageor. Again, those terms are often confusing if you don't use them a lot. So can a person be a mortgagee? So yes, anyone who lends you money to buy a home and enters into a mortgage contract with you can be a mortgagee. So in other words, when you take out a loan, you're most likely thinking financial institution, bank perhaps, that you're taking the loan out from. But it's possible that you get a loan from a person. A person, if they're going to loan you the money to get a home, is going to want the same kind of safeguards. They're going to want the collateral and they would want this kind of agreement to be able to safeguard themselves, mitigating the risk just as a financial institution would. When you sign a mortgagee contract with an individual, it's called a private mortgage. So the bottom line, what's the bottom line? The mortgagee clause is a part of your homeowner's insurance policy that protects your lender, the mortgagee, from losses incurred due to damage to your property. Many mortgage providers will require there to be a mortgage clause in place in order to grant you a mortgage. A mortgagee clause states that if a property is damaged during the mortgage period, their insurance company must pay the mortgagee for this. For example, if you obtain a mortgage to buy a home or property and that property is then destroyed in a fire, the mortgagee clause would ensure that the loss would be payable to your lender even though it's part of the insurance policy.


Research tips from Monica Wahee of DeathWench Professional Services. Visit us at www.deathwench.com and let DeathWench do your data. Hi, it's Monica Wahee again talking about data. If you use SQL, you are used to doing select commands with the group by function. That way you can make means or counts by group. In R, we use the aggregate command for that. Let me show you. So here is our code. See that I read in an analytic file that was derived from the behavioral risk factor surveillance system data known as BRFSS data. I restricted this data set to only veterans. I'll be showing you a demonstration using this data set. Here is the first variable we are working with called sleep time 2. This variable is for sleep duration, like how long someone sleeps per night. Here is our grouping variable, which is sex. It is coded one for men and two for women. If you want to know why it's coded one for men, well, you'll just have to take my linda.com course. So let's get to the command. Here it is aggregate. The first argument as I showed you is our sleep duration variable. That means whatever function we call up mean standard deviation median. It will be doing that function to this variable. Next we have the buy command. We do buy equals then list then the grouping variable. Theoretically, you could put several grouping variables separated by commas. If you did that, R would give you mean sleep durations by each of the categorical variables. But that's a lot of output. So for this demonstration, we'll just stick to one on the list. Who said statistics isn't fun? I'll show you fun. Here's the next part of the aggregate command. I'm sorry, I hate to say that fun stands for function. But the good news is that you can change the function by designating a different fun. Here we designate a mean. So that's the function here. And I always throw this in at the end of my aggregate command. That is na.rm equals true. What this means is you are saying to R. R, please remove the na's from my calculation of mean. SAS does this automatically, but with R you have to tell it to do it. And then it will run. So let's run it. See the console? Here are the groups. Group one is men and group two is women, like I said. And here is x, which is the sleep time two variable or mean sleep duration per group. Hey, it looks like women sleep less than men. I wonder why? Maybe the men wake them up with their snoring. Hypothesis time? Just kidding. Or maybe I'm not kidding. Maybe we should look into it. But anyway, you can use aggregate for a lot of fun things, meaning a lot of functions. For instance, here's the same code, but this time the fun, or function, is standard deviation, indicated by fun equals SD. Let's run this. And look at that. Women even have a higher standard deviation than men in this data set. Scary. What are fun things you can do with aggregate? Minimum and maximum are some of the other fun ones. If you want to go further with R, check out the links in the description to this video, including my Lynda.com courses. And have a fun day! If you like these research tips, visit us at DeathWench.com and let DeathWench do your data.


Hello everyone and welcome back to another episode of Primal Ops! And we have so much to do guys, it's beautiful! Also I want to say, I think I took a picture of this, but a gift for you, hey gaming beaver, as a token of our appreciation for your coverage of our game. Please accept this in-game gift, we hope you continue to enjoy our early access and they not only that but there was at the bottom there was like so many keys to spend on crates and of course that's what we're going to do. So what did they give me? They gave me, yeah I think it was a thousand regular crates, oh no I wish it was a thousand, ten regular crates, five rare crates and three epic crates, but I already had about 200 keys with the regular crates. Anyway so we're just gonna like run through this, at least the com ones. Oh chunking for there, oh yeah I forgot with the com ones you could get some rare DNA, or some Irritator there, not bad, not bad, more Irritator DNA, I don't know whether I've got that guy leveled up, I'm not sure, oh Patchy Rhinosaurus with the res and stuff, well we'll see those through, but these ones with the commons it's kind of okay, but what's really good now, every time it comes to in the regular missions where you have to like have a boss fight with a dinosaur, it's always a specific thing, so it's nev- oh we got Spino DNA, sweet, I was not expecting Spino DNA, all right cool, and two more, these are the ones that were mine, now normally it was 20, so I would have had 10 to open here, but no I don't have 10 anymore, I just have two, but yeah that's a bad, okay now let's check out the rare crates, let's open these guys as normal, because this is where all those commons not happening anymore, and now we get Reyes or higher, so some Alessor DNA as well, so what's going to be good about these is basically any DNA I get that's not Homalocephalae or Intoxica Pelta or Raptor is DNA towards something I don't have before, or haven't unlocked, oh maybe there's some Reyes I think I do have, I think Prosperanosaurus might be one of them, because there has been some in the regular missions that you do unlock, but majority like Allosaurus, we've got like two Allosaurus there, I don't have unlocked, oh that's a good one, is that Chunkingosaurus and Crichtonosaurus, what's that one, Epocephalus and Hyungosaur, completely wrong, hey well done James well done, okay let's see we've got two more of these to open, and then we've got loads of Turandons to open as well, and what's good about this, oh Carnotaurus we have as well, what's good about this is, oh we got a new dinosaur, what is it, oh we got the Morphodon, oh hello don't you look absolutely terrifying, good god look at that face, oh I guess we'll just get rid of that, and last one, yeah so even the DNA we get of dinosaurs we've already unlocked actually helps us, because you rank up said dinosaurs with that DNA, oh we've got like an epic in everyone almost, and another Eupocephalus, sweet okay so we got three of these epic plus dinosaur crates to open, which is weird because they're showcasing rares, they put like a Carnotaurus in there, and I don't know why they put a Carnotaurus in there, as well as the Hyungosaur, which is a rare as well, but hey hopefully we don't get any rares, hopefully yeah there it is, right so even I don't think we're going to unlock any legendaries, and I really wish we did if we just got like 50 T-Rex that would be awesome, but something tells me we're not going to get those, so it's rares, oh sorry epics, oh all epic that's cool, okay so Cyanoceratops, you kind of want that if you just got all one species you're way quicker to like actually unlocking that, or even leveling it up, so a spread actually doesn't really work too well, right I kind of just want all epics, I don't want any legendaries, and that's good as well, that's another six towards the Hyungosaur thing, and the final one, because if we got legendary it'll be like one or two, and we'll, it's just kind of wasting, I would rather unlock the epics first than the legendaries, which sounds stupid I know, but hey oh, and more Cyanoceratops, so we've got at least nine Cyanoceratops from that, and there you have it, what they are doing is this, so now if you want specific upgrades for a certain handler you can, I don't know how many you get of each one, but if you do click on it just tell you what you get, it doesn't say how much, we've also got all this which I think I can't even do at the moment, so there's no real point in it, but now we can rank up our Carnotaurus to rank two, oh yes, don't know what this does, but it gives us 20 rare keys, so that's not so bad, I think there was another one, Acrocanosaurus as well, so now it's ranked freaking five, takes us to level four, another 20 common keys, as well as 20 rare keys, and oh, because we're level 15 now, ooh, awesome, right, so we've got to rank five, this guy, oh yes, so rank three, and we're close to the next rank, so another common, okay, is that it, right, we've got Tsukumimus as well, we can rank up to rank four, yes, Byronix family as well as 20 rare keys, we're almost level 16 with these ranks, but it's nuts, I mean if we really wanted to we could feed our dinosaurs and probably get up to level, what do we get level 16, we get more energy, but I'm still going through all the energy I saved up when my game wasn't working, so we've got 400 nod, but I think the events have ended for the Pteranodon, um, have they? Oh we've got 43 minutes, we've got to do this one, heck yeah, okay, okay, so what's great about this is even when you click on a dinosaur, now normally it should be Stegosaur, Velociraptor, Homalocephalae as my top creatures, but it's telling me that that's not the case, because these guys, um, are good against them, the raptor is I think weak or better against a poison dude, I'm not too sure, it is showing it there, but Stegosaur luckily is really good, and we're about 22 away from leveling up Stego, so we got Stego to level 20, oh, it would be absolutely insane because I've kind of balanced it now, so Stegosaur's good, Stegosaur didn't seem that great, but let's go, let's go again, this is going to be tough, we've got reports of poachers in the air, they're everywhere apparently, so I've got to be careful here, because these are going to be nuts, so we're playing this on the highest settings, I'm going to dive behind this rock, and uh, there we go, that's what we want, okay, so we've got all the shockers are out, oh, I've got to be in shock, but it's okay, he's just a shocker, that's fine, there we go, there we go, good, I think that's a sniper, or it might not be, okay, so I'm going to take this health here, it could be worse, it could be worse, and I could save it, but you know what, I'm okay, we're going to, oh, we've got to beat it, we've got to beat and stick, that's fine, oh, you see that, I don't think the raptor killed him there, didn't the shock wave from the Stego got him, oh, carry on, carry on this way, so we're going to Stego back, so we can start to uh, oh, oh, see, look, he's walking around, doesn't even notice the giant Stegosaur next to him, oh, he's fine, he's fine, this guy's cool, all right, we'll take some coins, good, I don't think I need coins, but all right, we'll take whatever loot we can get, right, there's the beaten stick guy, oh, sniper, now sniper's on as bad as they used to be, they used to be like a one-shot kill, whereas now they're not that bad, whoop, oh, look at how good Stegosaur is, man, they just flanned all of them, and they had no pocket money, why? oh, they don't pay them good enough or well enough apparently, oh, there's a drone over there, uh, I like how this guy, yeah, when you've turned to face him, ah, oh, that still got done, still got done, I've been had, oh, well come on, do you not stun yourself, oh my god, this guy's got armor for days apparently, there we go, oh, we had lots of money, that's why, I couldn't shoot him because he was, I was shooting coins instead, he had them fastened to himself, so we'll get Stegosaur, we can start to recharge some more DNA, there it is, okay, just make sure I don't, yes, very good, right, we'll send the, oh, never mind, they're all dead, impaled by the thagamizer of a Stegosaurus, alright, when we see them we'll let the raptor, oh, here we are, we're at the end already, we've got a drone, we've got a shield dude, okay, not really a fan of the shield dudes, don't like him, oh, oh, there's a sniper, gotta be careful, our health isn't the best at the moment, oh, try to hit us, Stegosaurus in there, in the mix, and they're all dead, so sweet, that's what's good, right, if you've got a Stegosaur and there's loads of enemies, have the Stegosaur run in and run away, because the enemies won't really care about the Stego, they'll care about you, and they'll go towards the Stego, and they'll all be one hit KO'd by the Stego, oh, it's good, we've got so much to do, right, so Trandon family, done, we'll collect that, so it's another 10 keys, so we've got 160, almost, 10 crates to open, but it's only six, I think seven, sorry, seven, we've also got this, this is the play special missions, I think this is basically just for coin though, is it, what kind of energy is it? Oh, and rather not, it basically just gives you coin, and I'm not too first, we've got Triceratops starting in half an hour, and then this is, I think you need to do rank nine, but it does give you epic, epic DNA, so we need to really crank through these missions, because we're only on mission six, we need to get to mission seven, sorry, chapter nine, my bad, so we do this, we'll open up a free crate, and get some common DNA, so we need to do story missions, and level up a dinosaur, we'll level up, that's fine, that's fine, can we level up a raptor, I don't think we can, no, we'll level up a malosephaly, yes, level 24, so that's another one done, gives us 10, it used to be 50 DNA, so I think they've skipped out on this one, it used to be 50, I like that, I like that, and the malosephaly used to give you keys, it doesn't give you keys anymore, um, oh we could, you know what, let's, let's get to level 16, sanctuary rank level 16, one more, okay one more now, it's gotta be, yeah, there it is, sweet, one more energy I think, and 20 common keys, yay, right, so we've done that, let's open our, these things, because we only have so long, so we've got a good chance to level up sundopterous, and everything else we'll just see, maybe we'll get some pteranodons, so that's three demorphodon, three demorphodon, I'm not expecting pteranodon, it's very rare, oh two pteranodon, for the sake of brevity, brevity, we'll do it like this, because otherwise we'll be here all day, whoo, two erotitan I think that is, one erotitan, as you can see you don't get too much DNA out of these ones, unfortunately, six sundopterous, and the final one, you know what, we'll do it normal this time, we might get one pteranodon DNA, whoa, and it's all coming, it's all sundopterous, sweet, so we got six of that, so does that allow us to rank up sundopterous, where is it, no, no, no, no, so I have a rank 5 acrocan the source of it, I wanted to, I bet this guy would be really good if we just like leveled them all the way up, I kind of, should we do it, yeah I saw that let's do it, rank 50, rank freaking 50, oh t-rex, okay, sweet, um, oh rank six, okay, oh look at the sanctuary level just going up, okay, oh 20, we do need 100 though, it's still going up, oh my god, rank eight, okay, oh another 20, is that it, are we done, we got him to level freaking 50, and he's still only there, oh my god what a waste, that is a shame, that's a, that's a crying shame, okay, I'm out of stuff, we're going to level 30, there you go, level 30, um, so I mean if it says anything, even a level three rare dinosaur is better than a level 50 acrocan thesaurus, so there's such a big jump that when Stegger goes to level 20, all my dinosaur is going to be down here, and Stegger is going to be all, he's already like that, he's going to be massive, massively high, so we've done a quest, oh yes, I'll take that one, one more Steggo DNA closer, oh we'll claim all this as well then, why not, yes, claim it, claim it, and we need to put rank three in here, what's good is they don't need uh, any, what's it called, any handlers to deploy, so it's just, it's just something that goes on and you just get stuff, which I'm all about, so, what do we have, everything's good against these guys, chapter six, so you saw what it was like to take on the Pteranodon next level, and I guess you know we could even do even more Pteranodon, but I'm kind of okay, I don't, I don't need anymore, we're good, right, let's go into the snow, die everybody, die, yes, this is normal roux, and you're all terrible in comparison to my bullets, yeah, unfortunately you don't get too many prizes, or loot I should say, across the frozen lake, we need some happy winter music when this plays, put some Donkey Kong racing music, oh my god there's more of us, oh don't you shoot my dinosaur, yeah, yes, go raptor go, and jump into the fire whatever, you can be a pyro raptor then, hey, kill him, very good, don't shoot at me, how dare you, I'm a lady, you can't shoot at me, I could shoot at you, he's just like, what, surprise, oh no the beat stick dude, okay we're gonna need to bring a steggo in, and they're all dead, I love that, you gotta be careful when you're bringing a steggo, because you can't get amazing kills like that if you do it the right time, right, just be aware we've got stamina, music's nice and the footsteps, no these games came a long way from when it first came out when it was a bit like, oh I don't know about this one, actually it's not so bad, all right we need to be careful that shield, yeah if he's behind the shield he does a lot of damage, oh can we, can we let go the dinosaur yet, nope, there we go thank you, what even is it, oh it's a Eupocephalus, I don't know if I have that, can we just take that one, that would be really good, and what's great about doing the missions all over again is that because we've already unlocked the dinosaur we get way more DNA for other things, and saying that we've got 80, oh we must already have it then, my bad maybe that's Krytonosaurus, there's 80, oh it's ready to rank up that guy, so we're gonna get in this one, oh even more Sundopterous DNA apparently, I'm up for it, heck yeah let's go, should I use any other handlers, I kind of want to but at the same time I don't want to, there's just so good, like her level's way higher than anything else, I mean her health, I even her health's actually higher, we need to level up other things, and I don't actually have that much trainer experience to go about because leveling her up takes so long and costs so much that I actually don't have any, whoop, let's a takey, yes haha you didn't protect your friend and you turned round and exposed your rear buttocks, yes okay fair enough, naughty, buy a popper over the head, boop, boop over the head, you're all going to die, watch, ooh who's two, oh we're gonna need that, I wonder how high we could get our rank if I just leveled up all my dinosaurs, but then if I level them all up I wouldn't be able to level any up for missions and it would be harder for the dailies and even then saying that I don't really get much out of it, you get like 20, you get a fifth, oh sorry yeah a fifth of what you need to like open a crate so it's really not worth it, oh we're there, oh yeah eggs, yes, ooh we're gonna have such good omelettes, yes that, oh my, imagine that egg cracker, that's all day, that's an all day egg I imagine, mission completed, collect you know from egg nests 50 sundopterous, I think that's probably allowed us to rank it up actually, so when we do elite or sour hard missions what what happens then, I'm kind of curious, we need some doctoris in here, ooh ooh we could rank it up, we'll rank up later, I wonder how many, if I got eight energy per mission and I've got like 400, you're near a poachicam using havoc for local dinosaurs, clear it out and be careful, causing havoc, oh my just next year, oh look are we gonna get, they're gonna speak, nothing's going through here, I'm telling you, yeah about that, I heard a wild rumor the other day, what's that, what's the rumor, we're not gonna find out, bring out sundopterous to handle these guards, ha a little love from above, drop a rock on it, yeah my moon is dropping many kids, oh beautiful, now sorry she's just going happy, she's like yeah stop shooting, what, um okay, now normally you could say um you know like this is cool, I like this, it's sort of you know adds a little bit more to just the monotony of what the regular game is, go and drop it on them, yes, oh my god it's crazy, I can't remember what I was gonna say now, go sundopterous, go, yes, oh don't shoot at me, I wonder if I've ranked up sundopterous more, would it just do more damage, oh it's coming, there it is, how'd you know it was me, how'd you know I was there, oh that was interesting, someone didn't alert to me, I like that, we'll hide, we'll hide here, they'll never see me coming, wasn't me, how'd you know it was here, oh wait why you can shoot through the wall, that's not fair, sundopterous sort them out, please, yes, right we've got to clear the poacher camp, this place is an absolute, you've got cars and everything, why are you not doing anything, oh sundopterous is actually really good, it's quick as well, let's go on then, again, no you didn't see me, you didn't, how may they saw me, oh my god he's using a freaking like rifle point blank, is that good, does that make him more powerful or less powerful, lord knows, here we go, hubbus, oh they've got a snowmobile, shoot at them, the same thing we've always done, shoot, shoot, oh yeah there we go, what are you gonna do now huh, yeah dead, that's what you're gonna do, good job, hopefully any other poachers will be scared off, I hope that we get like Owen Grady and Claire Deering as characters in this game, that would be sweet, I'd also blue like when everything comes out, I hope it's just not just these characters, but then again, do they have to have, like they probably have to pay for licensing, I don't know, or maybe they just wrote it in the contract for dominion, it's like oh we've made a change to your contract, if you're part of you know Jurassic Dominion, we can use your license or your likeness in loads of our games, right yeah we're not having sundopter, get out of here, bad, I used to love a toctic pelter, why are you no good no more, you know what it is, if sundopterous is here and it's like one of the best creatures to take on these poachers, then there must be a poacher team where we have acrocanthosaurus where it'll be really good and do loads more damage, must be, I mean I don't, okay let's try no dinosaurs, let's try and do this no dinosaurs, we need to free the ajungus aerotops, right here we go, aha, aha hide behind, oh god, oh there's two bts, aha there you go, what are you gonna do now, ah you're gonna stun me, no this one, shoot him, he's got the gun, he's a problem, no oh he's running away now, run to him, no not him, haha I got a crate, we can ignore you, I'll see you later, all right let's see, hope there's no more other ones, yes, oh no no no no no no, there we go, there we go, no no don't shoot him, shoot him, he's the threat, yeah ignore him, don't need to worry about him, no dino speedrun, there we go, oh nice, oh and health as well, sweet, not a single dinosaur yet, we got this, I want to come up against other poachers that have trained dinosaurs, that's cool, maybe we'll get that eventually, oh we got a shield, oh we got two shields, what are you doing, ah that's not fair, okay we need a dinosaur, I can't take on the shields, they're just too tricky, there we go, you try to hide behind the shield there, he saw where he was open, but foolish, foolish human didn't see the stego, I'd like if some missions were shorter and if it was just a whole bunch of uh mercenaries, that would be sweet, but yeah we're definitely building up for this when it comes to dominion 100% because we've seen the illegal like poacher rings and everything like that, oh here we go, only three people protecting that? Only? I like how it makes a dilophosaurus sound effect, shield down, sorted, I don't know where that manhole goes, I love that, I love that lost world triceratops sound effect, it's so good, lost world had so many good dinosaur sound effects, whereas if you hear a drasik park sound effect you know it's like oh it's the classic one whereas I feel like lost worlds, a lot underground stuff, oh yeah then that's what that sound effect is, but it sounds so cool I don't know, the sound designers for that did an awesome job, hey a job, good job, we did something about sundopterous, okay so normally when it comes to this there used to be every chapter was three dinosaurs you could farm for DNA whereas now there's only one, so I'm assuming if in hard mode it's sukomimus and elite it's baryonyx, so I don't know what this could be, normally if even when it was like a stegosaur that was pretty cool like the stegosaur boss, so I wonder what a tyrannosaur boss looks like, let's have a look, well after this we'll do this, oh wait what, what, oh it's rescue okay so they haven't made a tyrannodon boss sort of thing yet, this is just a regular mission that we need to do, but I'll show you what the stegosaur is because I did that in the last chapter and that was fun because it had boss moves, it was awesome, I wish it had a health bar that ran across the top though, like dark souls, it was running him, ah no stunned, gonna need a health kit, yeah it's a bit of a shame when it's like this, the boss, all boss battles should be different, this is what every boss battle used to be, so I'm glad it's not like that anymore, aha you fool, you fool, I wouldn't freaking level her up, well look at how much xp I've gotten from this, I don't think it's gonna be that much though, go on stego, hit all of them, hit all of them, yes except for the one to your right, yes, you'll get him in a second, off we go, shoot him, oh yes, that guy was filled with goodies and oh loads of guns, I like it, oh I'm out of stamina, oh that's not good, but this could be it, this could be the final, it's giving me final vibes, there it is, no, I thought he said a swear there, looks like there was only one dude, well there's basically one dude left now, go on and get him now, he chose the best death, it was like to be pounced on by a raptor rather than thagomize, at least the raptor will make sure you'll die quick, the stego will just stab you and impale you, be like that, that's me done and you'll just bleed out, oh all that for three DNA, sweet, and now that's chapter six done, I'm onto chapter seven, but I'll show you what chapter five was like, because this was cool, it's not when I was born, I just go run off and do that, yeah here it is, oh word like a dam, what does that say, 183 and a five kilometers or kilometers, right where is it, oh there it is, there she is, remember be gentle, she's just scared, why did you say that when, if you look what it does to me, look watch, ah there you go, what, yeah basically, I just had my stegoso take it on, yeah everyone, yes, oh look at all the glorious goodies it drops, it's beautiful, you can only do that five times, it looks like a mirror guy, but I don't think it is, I think it's a hyungoso or a chunking, what is it, a survey says it's a cadrosaur, never mind, so yeah I guess if in the harder levels you probably get more DNA, but maybe I'm wrong, because then you're getting more elite DNA, but what's good is that we're not going to be on these for too much longer, we've got chapter seven and then chapter nine doesn't have a rare dinosaur which is weird and actually chapter eight has a legendary, it has a tyrannodon, so I'm kind of curious how long I can keep on going and doing regular missions until you know my level of my trainer is just not good enough, so we need to be level 61, 61 to take 10% less damage from certain dinosaurs or dinosaurs take certain damage, that's crazy and that's every trainer, I feel like at the start this game was, it was too easy, but now they've scaled it to this massive like end game level, but there's nothing to fill it in I feel, we need more things to fill that in, so we can level up like once, twice, three times, so we're level 39, but when no, like level 91 to unlock the final thing, which is 25% chance of applying bleed, you know what, I guess that's okay 25%, it was last time it was like 0.2%, it was quite low, but yeah not so bad and quests, oh ho we've done it, oh that's a good one, yes 15,500 of that, really we want to increase our sanctuary level to 20 to get three stego DNA and upgrade handler equipment, we need to do that two more times, can I, I don't think I can, maybe, what do I need, 4,640, well I guess it is level 12, if I got them up to level 31, I could probably do that, like what do I get if I level up the handler equipment, is it three stego, it's two stego and call your dinosaur companions another a thousand times for three, oh we're close we are, we aren't getting there, well anyway guys I'm going to wrap up this video, if you enjoyed it leave a like and until next time I'll see you QG later, oh bye bye


What's up, everyone? It's your girl, Kenzie here from Layton Sports Cards and I'm ripping a personal here for Steven W. We've got an order of the 2022 National Convention VIP Exclusive Silver Packs that's come in lots of five, as well as a bundle of 2022 Panini Father's Day packs, which also comes in five. All right, Steve, we're going to start the Father's Day. We've got one, two, three, four, and five here for you. Best of luck. Father's Day up first. Got Yanis, thanks for subbing NCN, and a Mac Jones, Max Crosby, and Rookie of Jalen Suggs, Ben Simmons, and Jeff Gordon. Cooper Cup and Rookie of Wander Franco. Pack Father's Day here for you, Steven. What a Beckham. Send it like Beckham. And we've got Rookie Foil out of 199 Jonathan Kaminga. Nice Kaminga foil. All right, that'll do for the Father's Day packs. Now time for the Nationals. Again, another lot of five. One, two, three, four, five. Got Jameson Williams and Redden 99, Haley Deegan. That's Deegan. Lamella Ball Base and Orange to 199. Devin Booker, pack three. Paint Manning Base and Purple. C.J. Stroud out of 25 on the Purple. We are in Orlando, Florida, Central Florida. Ronald Acuna Jr. and Orange to 199. Ben Simmons. And last pack here. Got Carl Anthony Towns and Red. Jalen Suggs to 99. Magic. Alrighty, Steven, that will do it for your boxes. Congrats again on your hits. We'll get these right out to you.


I'm doing a big W, just randomly walking in here one at a night, and we've come across, check this out, boom. Rise of the Teenage Mutant Ninja Turtles. This is the first time I'm personally seeing it, and I'm absolutely blown away. Who remembers the putty wagon growing up? I certainly do. I had all the putty wagons, and I want to stop. I don't want to collect this guys, but I feel after looking at it, I'm actually really really surprised how cool it is. It's looking awesome. Look what you can do. You can actually pop that up. What I noticed with the new figure line is how well the paint job is. Like, it's spinning me out. I just can't get over it. The series isn't too bad. There's no shredder in it. We've got the main villain as Baron Draxon. What do I call him? Baron Drasm, which is really weird. Look at these. Oh man. So that's supposed to be a foot soldier or a gummy ninja. So I want to talk about these guys. Meat sweats. We were talking about it before and the actual detail on the biceps and the paint work and the accessories. It is pretty friggin' cool. And we've got Wrath. What do I think about the new Wrath? Well, I like it. And when I was at Comic-Con and I was speaking to Kevin Eastman, he sort of told me a little bit about it, why they were going down the road of this. And I'm like listening. I'm like, cool, cool. But then to actually see it and watch the cartoon series, I could understand exactly what he was talking about. Did you ever have this as a kid, guys? I know I had a few different masks and setups. Why am I picking up Donatello? I'm not a fan of Donatello, may I say, but let's pick up Wrath. I used to have this when I was a kid. Completely different, of course, but I actually like it. Look how happy these kids are. There's Baby Dras right there. There he is. Baby Dras. This is cool, so it's a different weapons. So we don't have the size for Wrath, which is a bit disappointing, but it's more kid-friendly. It looks like a police baton, doesn't it? It does. A bit of a police baton. Let's get Mikey out for a sec. That's pretty cool. Not bad. She could knock someone over the head with that. But anyway, guys, yeah, I'm blown away. I'm very stoked. I don't want to get it, but I feel like I have to get it now. I think I should pick this up. I think I'm going to get it. I'm going to buy a few of them. I might even get a shell. Spice things up in the bedroom. Let's just do it. Come on, guys. I'm going to buy this.


And I'm Oli and this is our hero Bumblebee together we are attempting a Guinness World Record to become the youngest pair to circumnavigate the globe by motorcycle join us for season three here in South America good morning from day two of our trip to Iguazu Falls today we are heading to Argentina so we actually won't be visiting the falls today because we learned from yesterday and the weather today is still not too great tomorrow is looking really nice so we thought we'd use the opportunity today to cross over the border head to Argentina and then head to the falls tomorrow morning. It will be really exciting today so we just take the bus from over here to the Argentinian border and hopefully the crossing will be quite easy we will see. So our hotel is actually just over there just across the road and now we are just waiting for a bus with the name Argentina on great so 15 reales which is about two pounds each to the border to Argentina and even further to the main central station over in Argentina so we had to get off the bus and get our passports stamped and then we have to wait for the next bus or if we want we can walk into town it's about an hour's walk from the border into the next town which is called Puerzo Iguazu. Good year. Gracias. So we got our stamp out of Brazil and now we're waiting for the bus again to take us over to the Argentinian side where we're gonna get our stamp in for there. Gracias. Buenos dias. No. No. Buenos dias. Buenos dias. Gracias. Where are you from? My name is La Viña. Oh there we go. Did I get a stamp? Did you? I think. Have a good day. Bye bye. Stamped in to Argentina. So now we've got to get back on the bus and make our way to Puerzo Iguazu. Gracias. Gonna get some supplies for tomorrow and look at this.  Cuatro. Gracias. This one, ten. Espanol. Dez. Dez. Dez. Diez. Diez. Okay. ¿Cuánto es una chiro? Siempre. Siempre. Okay, tres. ¿Algo más? No, no. Gracias. So we have arrived at our hostel here in Argentina. It's very quaint. So we will check in with you guys tomorrow morning when we go and visit the waterfalls. Ready to hit the road. Goodbye very uncomfortable bed. Good morning from day three of our Iguazu Falls trip and day two here in Argentina. Blue skies. Look at it. And the sun is out. It's a perfect weather today. Oh it was so worth waiting the extra day. So now we're just walking over to the bus terminal and we're going to be taking a bus over to the Argentinian side of the falls. To 1000 and 600. Okay, go and return. Yes, on our way. So we already booked our tickets online yesterday. So we've just got to go to the ticket booth, get that validated and then we should be able to make our way into the park. So they say that Brazil has the views but Argentina has the falls and actually 80% of Iguazu Falls is in Argentina. So there's actually quite a lot of trails that we can take in this national park. We're going to take two main trails today. We've got the lower trail and the upper trail. Now the lower trail is more in the forest with some viewpoints and upper trail is right out on top of the waterfall. So let's make our way to the lower trail then and see a little bit of rainforest and hoping that we see some nice animals. Okay, if a jaguar attacks you, you have to just tell the jaguar that he's very, very pretty. Hugging and kissing. And hugging and kissing him, okay? And if you're convincing enough, he might fall in love with you and maybe he doesn't eat you. There is two cats. Wow. And he's quite big. He's a beautiful bird. We've only been on the trail for a few minutes and already we've got some amazing wildlife calling in the trees. This place is all of wildlife. We're already a bit peckish so we're having some of those empanadas that we got yesterday. So empanada is this little pastry with spinach and cheese inside. Super tasty. And really the perfect little snack for on the go. Yeah, it's a nice snack. First views of the waterfall system from the Argentinian side. You can't even see anything because the water is just hammering down there. It looks like the river is super high today from all the rain over the past few days. Have a look how brown it is. It had 10 times normal flow and at the moment it must be pretty high. The rest of this circuit, the lower circuit is closed so we can't get any closer to the falls from this side so we have to go back around and start the upper circuit. So we're just getting on to the upper trail now and in front of us we can see some more kuatis. Right here, right here, right here. He just went past us. Oh I think there's another one over there. Let's go, let's go, let's go, let's go. Oh my god, there are two more. Three more. So cute. They really like to walk on the railing here. Like little ballerinas. Look there's one more. Four monkeys climbing along here on the trees. And it's super busy here. It's like Mount Everest up here. This is the final walkway to the final viewpoint here on the upper trail. Absolutely epic. Viewpoint after incredible viewpoint here at Iguazu Falls in Argentina. We will make our way in our bag to have some nice lunch. It's a nice quiet place here in the sun. Surrounded by the river which is nice.  A little bit of fruit, some bananas, a nice chilled lunch in the sun. Look Lami, we've got a lunch guest. Oh yeah, he definitely can smell the cheese balls.  I'm sorry. Sorry dude. You have to find some worms. Find some worms for yourself. You are so cute. Oh no, no, no. Okay, we unintentionally fed him but we really didn't mean to. It looks like that he's enjoying it. At least somebody gets to. He's licking something from my finger. I think he's hungry. The way the safari continues there's a little alligator or caiman down here. It's so crazy. It looks like that he's sleeping actually. Oh awesome, wow. The safari never ends. Can't believe it but there is another animal here just in front. It's an armadillo. You see something moving? I think we lost him. Tatu is a espanol. An armadillo? Okay, they were really really hard to actually spot but there was armadillos there. Oh my god. Wow, animal number. I don't even know. I think we stopped counting. It's like we've pretty much checked every animal that was on the board at the front when we arrived. We literally checked them all off. Very cool. They have a train. Cool. We were just coming back to the entrance and then we saw oh my god there's a train. We've got to get on the train. And we have done already our 10,000 steps. So there we go. Finishing the journey with a little train ride which was a surprise.  What an incredible experience. I'm so glad that we had the opportunity to come here to see both sides. I'm just blown away really. I need a few days to take all this in. Yeah it's been a really really crazy few days. But yeah two sides, two different countries, two different weathers, a completely different experience from both sides. Yes. Yeah really something special to come here. I'm really glad that we came. Yeah absolutely. So for now all that's left is for us to take our bus back over to Brazil and then head to our night bus which will take us back to Curitiba and Bambubi. Yes Bambubi we miss you. Disaster. We just got here to the night bus station and found out that all buses to most major cities from Fos de Iguazu have been cancelled. They just announced the election here in Brazil, the election results. The supporters of Bolsonaro have basically blocked most major roads in the south of Brazil including the road that we need to get to Curitiba. Everything is blocked off, no one can travel, the streets are burning, it's like really crazy stuff going on at the moment. So basically bottom line is Bambubi is going to have to wait a bit longer and we are stuck here in Fos de Iguazu. We'll see what happens in a couple of days. Look at that!