All right, what's up guys so today is Monday today is a losing day for me It has been a very long time since I had a losing day So I kind of want to talk about what happened what my mindset was and what I'm gonna kind of do to improve right so First things first is what happened on EYES. So if you look at the chart on Friday on Friday Towards 3 30 in the afternoon They pushed the stock up towards nine dollars and they just dumped it from nine all the way to five bucks, right? So any person that was long Lost towards the end of the day on eyes because the stock tanked. Okay, every single short got bailed out I saw people on Twitter and Instagram posting on the mess best. I made a hundred grand on eyes I made 200 grand on eyes. I'm the best but they don't show the part where they're down half a million dollars on the way up, right? So when eyes tanked on Friday, even I thought that the trade was over I thought that there's no way in hell this stock is gonna rebound because it went all the way from nine dollars to five dollars It tanked almost 50% in like 30 minutes, right? And that to me is a signal that the stock is over, right? And okay, if the stock is over and the stock tanks on Friday Obviously it becomes a low hanging fruit on Monday if the stock bounces So a stock tanks on Friday it tanks down We're looking for a dead cat bounce to short, right? This is a setup that works 95 99% of the time, right? But this is the time that it didn't work out and let me tell you why it didn't work out so this morning I woke up and Eyes was at eight dollars, right? So remember it closed yesterday. I closed Friday At five dollars it went from nine to five, okay? Nine to five and today pre-market. It's at eight So logically in my head I go back to the chart and I remember that bounce that if this bounces towards the eight dollar line in the morning That's gonna be a great opportunity It just so happened that that eight dollar line hit pre-market and it's early It's like six thirty in the morning usually not really many people are awake So I short at eight dollars and I covered it at like seven twenty and seven bucks So I made like thousand dollars in the morning nothing nothing too crazy and I thought in my head, okay? It works the stock was broken on Friday The stock rebounded to a whole dollar eight dollars And I short at eight dollars and it went down without a fight. So I'm thinking in my head Okay, if this stock rebounds again towards that eight dollar line, you know chances are it's probably gonna reject that line And if not I could scale to eight fifty and I could scale to nine dollars Which is where it rejected yesterday So I made a plan my plan was short at eight short at eight fifty and short at nine dollars Now what I didn't anticipate that was going to happen Was the abnormal amounts of volume in the stock today? So what you have to think of? Volume wise on stocks is how much demand there is if there is high volume on a stock That means that there is high demand on a stock You know a stock like eyes that trade is seven hundred million shares of volume on Friday is a high demand stock Right, even though it tanked even though it tanked at the close it still has people's attention Now what happened today? So all of a sudden it goes from eight dollars pre-market and then it goes down to $7 pre-market it kind of consolidates and finds its way back up to 750 Finds its way back up to eight dollars and now it's at eight fifty and now it's at nine So all of a sudden this stock that was at five dollars yesterday is now at nine dollars today and all the shorts that are stuck From the day before are now stuck even more now. I have a rule on these stocks guys This rule has kind of saved me plenty of times and it is if a stock breaks Above the previous days high it is no longer a short and you should be looking at it for a law So Friday The high of the day was ten dollars on eyes, right? So ten dollars was the high of the day on eyes and today pre-market it was at eight eight fifty nine Logically what this tells me in my head is that okay? If this stock breaks above ten dollars, which is Friday's high the shorts from Friday The shorts from today are all gonna be stuck The longs are gonna want to buy for that breakout higher and then we have a domino effect of the stock going higher So I kind of recognize that in my head, but for whatever reason I just really didn't even go along the stock It's you know, that's the problem that I have guys is I'm very Short-centric meaning I do very well on the short side and oftentimes I forget that I could buy these stocks too So in my head, I kind of recognize that you know eyes was not a short above ten dollars Friday's high and then what happened at the open is that the stock ramped up to eleven dollars Tanked all the way back down to nine dollars and now I'm thinking in my head. Okay It just showed us that the top is set It just showed us that maybe that was the exhaustion move and let me take a short I took a short very small size like two thousand shares three thousand shares and all of a sudden it jumps up a dollar All of a sudden it halts up two dollars and now in the blink of an eye You know this small scalp turned into me losing like six grand and like Literally like two minutes like actually something something so bizarre and I'm thinking in my head now like shit You know, what am I gonna do?  I knew it wasn't a short I should have just followed my rule and said, you know stock breaks above the previous day high It's not a short. Why am I looking for trades? Why am I doing this? Why am I doing that?  It's Monday, you know, this is typical Monday FOMO syndrome, you know a rule of mind was to not trade stock if it broke above Friday's high And I got too confident. I got too cocky. I got too comfortable You know this year Three months into the year. I'm up a million dollars last year.  I'm up so much money. I'm just gonna add I'm gonna add I'm gonna add but what I'm most proud of today guys is that I just took my loss like a man You know, it doesn't matter if I lose a thousand dollars It doesn't matter if I lose ten thousand dollars, you know, it still hurts the same way But I had to remind myself that the worst losses as traders come from when we are the most confident, you know I'm at them. I was before today started.  So rather than fighting today, I managed my risk. I gave myself a number I said, I'm not allowed to lose more than ten thousand dollars on this stock today, right? And the reason why I chose ten thousand dollars is because that's pretty much my daily P&L I make anywhere between five to ten thousand dollars a day. So I say, you know what? I'm not allowed to use more than ten. I'm not allowed to lose more than ten thousand dollars today And you know what when it hit that number, I was like, that's it. I'm done for the day. You won good for you You won the battle but tomorrow I'm gonna come win the war and that's something that's very important in trading guys We need to remember that in trading There's gonna be certain things that we could do to make sure that our losses are kept under control because in trading It does not matter how much money you make I could teach someone bow could teach someone James could teach someone how to make money every single day The problem is that most people don't know how to keep that money in their pocket because they start gambling So let me give you guys some advice that helps me and that we have kind of back tested that we know works Number one is you need a max size on the day It doesn't matter, you know, let's say the max size of thousand shares, right? You need a max size at the broker level.  That's number one max size at the broker level Number two is max loss at the broker level. So let's say you make a hundred dollars a day or two hundred dollars a day Go to your broker and tell them I want you to lock me out Whenever I'm minus two hundred dollars on the day that way you are not able to physically lose more than one of your Day's work, which means that you'll be able to make it back the next day the problems happen when you start to spiral You know, whenever you're in a loss, you guys know that feeling you guys know the feeling of being a deer in the headlights You guys know the feeling of just I'm gonna wait it out. I'm gonna wait it out.    You know how many times I've lost fifty thousand a hundred thousand two hundred thousand dollars in One day that if I just stopped at my ten thousand dollar max loss I would probably have another million dollars in my bank account and that's something that I want you guys to understand before it's too late So if you take one piece of advice from today's video It is that you need to call up your broker and set a max size at the broker level and a max loss at the broker level To protect you I have my max size and my max loss at the broker level There is going to be a ceiling every single day that I cannot surpass if I get to those levels, right? And that is what's going to help you and that's what's gonna help me today, right?   I don't make money I don't want to lose a week's worth of work I don't want to lose a month's worth of work and I don't want to lose a year's worth of work You know, what would have happened if I start to say, okay?  I'm up a million dollars.  All because I'm not using a stop, you know today. I screwed up two guys Why did I trade the hot stock of the day? I was so confident I am so confident in my trading now that I thought that I could go and slay the dragon myself and Bow says it the best way in all of these movies the hero always gets slain by the dragon, right?  Let me come in to swoop in for that, right? And that's what a n cn was today. That is what tesla was today, right? So a n cn guys was a side stock of the day So as eyes is taking attention as eyes is taking attention a n cn is the side stock This is the stock that not a lot of people are looking at this is the stock not a lot of people care about and to me That is the best opportunity of day because if a hundred people are watching eyes then ten people are watching a n cn There is less competition There is more idiots and that makes it easier for a guy like me to be able to win So pre-market if you go back in MIC chat, you could see that both bow and I agreed that $50 and $7 were the lines to shore on a n cn and let me give you a secret guys if bow And I both agree on the same lines Nine out of ten times that trade is gonna work, right? And that's kind of where the tab program started, right bow and I would share lines together We would talk about which stocks we like the best and if a stock that we both agreed on Had the same lines We will both trade that with the most amount of size because that confirms both of our ideas Whereas if he liked the stock that I didn't like and I like the stock that he don't like Meh doesn't fucking matter, but if we both agree on a stock. Oh my god. That's the best one So a n cn you could see that as eyes was getting attention as eyes was losing attention This stock was going crazy 650 and $7 hit perfectly and right now the stock is trading at 527 So you could have made over a dollar a share had you just focused on that stock So you focus on a n cn you make your money here You ignore eyes you lose no money there all of a sudden you make a shitload of money And that was my mistake guys. I went to slay the dragon. I was too confident I was too cocky and that just goes to show that we are all human. I am not perfect There's gonna be plenty of days.  It happens. I'm okay. You know ten thousand dollar loss sucks Don't get me wrong, but you know, it's manageable I can make it back tomorrow, and that's what you need guys need to understand So set a max loss at the broker level set a max size at the broker level Come back to me a week later and tell me how much it changed your life So do you guys have any questions on that if this makes sense?  I know of those 2,000 views you guys are going to be Successful and you know we are here to help the masses and that's gonna take some time But if we're even able to help one person put their max loss One person set a max size on today's video. You know what? It's worth it, right? So let's talk about NFTs, right? So I've been getting so many questions about NFTs, right? It's like it's like the Bitcoin thing all over again. Should I buy Bitcoin? Should I buy Ethereum? What's the NFT? Should I buy it? So let's kind of talk about that very quickly. So what an NFT is a non fungible token Meaning it can't be replicated. So what that means is basically think of these as digital art or digital collectibles So imagine instead of having the Mona Lisa framed as a physical photo you own the Mona Lisa in digital Bitcoin crypto world code, whatever it is, right? And let me kind of explain why that was so important and what the hell happened and why this is so hyped up, right? So over I think it was like last week or last month Logan Paul was opening up a bunch of Pokemon cards, right? So apparently Pokemon is like the hottest thing in the world right now and he had a Pokemon booster box That was worth a million dollars and he was auctioning each one of the packs inside the booster box for $30,000, right? And I'm not gonna lie I was a little bit under the influence of maybe some alcohol in Miami And I had a really good week and it turns out that all of a sudden I started bidding on these Pokemon cards and I told myself that the most I want to bid on these Pokemon cards is about $20,000 and it turns out that I won three packs for $33,000 each and all of a sudden I owe with Logan Paul $100,000 with a $30,000 Auction year fee and you know, I thought about it for a second I said do I really want to spend a hundred grand on Pokemon cards and then I talked about it And you know, maybe we said you know, we'll buy one of them and we'll do like a video and this that and long story short I decided not to get any of the Pokemon cards. I decided not to pay for it. I told him I'm broke I told him I have no money. I told him sorry I can't pay for these hundred thousand dollars of Pokemon cards and they got kind of pissed about it But I just kind of like disappeared So anyway when Logan Paul opened up these Pokemon cards, he also was selling an NFT he was selling an NFT for One step for one Ethereum and at that time the Ethereum was worth $2,000 so he sold about three million dollars worth of NFTs in one day and Then the entire fucking world went crazy. Oh my god NFTs NFTs this guy just created a digital currency and from nothing it cost him zero and you made millions of dollars blah blah blah and Now everyone's talking about NFTs, right? And The way I think about is like digital art. Do you want to buy art in the digital world? Do you want to do this and that and to me guys? I think this is a bubble, you know, I might be wrong I don't really know what the hell is going on with this stuff.   And that's something that you have to keep in mind for these things. So When it comes to NFTs, I don't think you guys should believe the hype I think that most of these things are gonna be worth nothing the 1% that are gonna be worth a lot.     Maybe when the hype Fades off there will be opportunities to buy these NFTs, but as of now At the height of the hype. I don't think it's the time where you should guys should be buying or caring about it So that's just my two cents. I'm not a crypto expert. This is not investment advice I'm pretty much half retarded, but this is kind of what I think and these are this is because I've been getting so many DMs about it and Yeah, so we could talk about Pokemon cards. We could talk about anything Maybe I really quickly. Let me show you guys the invoice of these Pokemon cards Find this really quick. Okay guys, you guys want to see? Yep, not fun. That was not fun But yeah, that's what happens when I start drinking in Miami I start bidding a hundred grand on Pokemon cards and I ended up winning I Had people like Tosh telling me yo buy it buy it buy it You're gonna make so much money if you buy these Pokemon cards motherfucker. So that's it guys Also, I guess now that you guys made towards the end of the video We're running a special promo for MIC So you get to get your half you get to get your first month half off So it's gonna cost you ninety seven dollars to join We're gonna be running this promotion until the end of the week So if you guys want access to this promo if you guys want to get your first month half off at MIC Text Tosh at two one three four five eight five nine nine seven and he will hook you guys up with a link Other than that, I think I'm going to wrap it up for today If you guys have any questions, let me know But other than that, I will see you guys later and maybe I'll see these Pokemon cards in my nightmare So have a good day guys, and I will see you later


Alright, Damien, you're not by any chance the attorney on the tiny house bill, are you? I sure am. Oh, would you like to stick around? I was going to ask if you wanted me to stick around since my schedule just opened up. Sure, I'm happy to. Absolutely. So Representative Christie, are you here? I hope it's the right room. Well, it's an it's it's old home day today. Representative Morrissey and now representative. Christie is a house general alums who ducked out of the committee years ago now but as is ensconced in the judiciary committee so. You have a bill with us. That's on tiny houses age 347. Yeah. So, Good afternoon, everybody. This is representative Kevin coach Christie for the record. The build that we're talking about today is.   And the traditional multi thousand foot square foot homes isn't really what they're interested in, or at least it, you know, it appears. You know, having it function and have the functionality of kind of it. It's almost like a Swiss army knife home. I watched some of the, the construction programs, you know, about tiny homes and it's just fascinating. The amount of accommodations that can be fitted into a much smaller space. So, so that being said, thinking about options for our young Vermont family members to be able to return and be able to return in a way that that works for them. There's a whole notion of tiny houses and having very clear regulations around how they would function. So that's turned into a big campground parking lot type of situation seemed to make sense. So so that's the the overall overall genesis of the bill Damien. Thomas was able to stay and he drafted the actual language of the bill and it parallels a lot of the work that they're doing in New Hampshire as well, because they've been looking at that prospect of like the rest of us. It seems to be a kind of a national occurrence. So so that's that's the cliff notes version of the thinking. All right, thank you. We like cliff notes sometimes, especially because Damien's here to take us through the bill. Yeah, so thank you coach. Thank you. I can give you guys the. Do you have volume. Oh, sorry, my microphone was was in the wrong spot. There you go. I stood up and stretched in between here. There we go. So, let's, this bill is speaking of Swiss army knives. This bill is in many ways like that Swiss army knife that always looks appealing in the store but then you can't figure out how to carry it because it has so many tools on it. So that this bill, because housing touches on so many different parts of our statutes as I know this committee is aware this bill, just like that touches on a number of different things. So it starts off with the building and safety codes. So the first thing that it does is, and this is in the provisions around fire safety and building and safety codes. The second thing is that all codes and rules adopted by the commissioner of public safety would apply to owner occupied that apply to owner occupied single family residences would also apply to tiny houses. So in other words, you have to meet the same code requirements in terms of building and safety codes as you would for a single family home. And then it defines tiny house to mean a structure that's intended for year round occupancy that contains facilities for sleeping eating cooking and sanitation, and is either constructed on a permanent foundation or on a trailer or semi trailer. So those terms are defined pursuant to our transportation law and has not more than 400 square feet of floor area, excluding any lofts. So it establishes the footprint, which is for maximum of 400 square feet. This distinguishes it from a mobile home, which has a minimum of 900 square feet. So this is less than half the size of that. The trailer and semi trailer requirements. That relates to, and I can't remember the exact definitions but it relates to basically how the trailer rides, and whether it requires the support of of a vehicle to stay upright. There's something else underneath it so. And again, I cannot remember the exact provisions there and then the, the facilities for sleeping eating cooking and sanitation just basically require that distinguishes this in some ways from some camping trailers which may not have facilities for sanitation for example, but also requires that this be a self contained living arrangement here. So it also provides that a tiny house built on a trailer or a semi trailer so in other words one that could be towed on the roadway, meet the requirements of our transportation laws related to tremor trailers and semi trailers, and be adhered in a manner that is approved by the traffic committee, which is, I believe the secretary of transportation, the commissioner of motor vehicles, and the commissioner of public safety. And then, but again that that is set out defined by statute. And this committee addresses these rules of the road, as far as vehicle safety and road safety. And this, this basically the goal of this requirement here is to make sure that if you have tiny house that can be towed, transporting it from one location to another is not going to endanger other people on the road. So that, that's sort of the basic requirements there is it has to meet the building code. It has to meet certain minimum requirements as far as the living facility to be called a tiny house. And if it is mobile, it, it has to be able to be transported safely on the roadways. The next sections here relate to the electrical code. And it just for plot, ours, and electrical rules and code provisions adopted by the electricians licensing board that applied a single family dwellings would also have to apply to tiny houses, and it uses the same definition that we just created in title 20. The next section here relates to the plumbing code. Again rules and code provisions adopted by the board that apply to single family dwellings would also have to apply to tiny houses. And within all three of these I just want to note that if the committee moves forward with this bill I would recommend getting testimony from each of these bodies, regarding whether you should add in language. To permit these the boards or the division of fire safety to adopt specific exemptions or alternate requirements for tiny houses. Understanding that there may be differences. And for example how you would safely plumb a tiny house versus a traditional home. I don't have the expertise to know that. So this is starting from the point of everything should have the same requirements. The next provisions here with municipal zoning. This provides that a code or regulation adopted pursuant a basically a municipal zoning code or regulation that applies to single family dwellings would also have to apply to tiny houses. And that no municipal zoning code or regulation could have the effect of excluding tiny houses, except if it's on the same terms and conditions as conventional housing as excluded. So for example, if there is a setback requirement for traditional housing that would also have to apply to tiny houses. By the same token you couldn't exclude tiny houses from a district, unless you were also excluding other forms of dwellings from that district for example if you've created an industrial district where residential dwelling is prohibited, or you have a district in your residential zoning regulations where nearly all development maybe is prohibited because of the nature of the district wetland flood zone something like that. The next section here, section five is just definition section, providing that the same definition of tiny houses is adopted entitled 20 applies. This deals with required provisions and prohibited effects in zoning codes. And it, we're adding to the provision here that currently prohibits any zoning bylaw from having the effect of excluding mobile homes, modular housing or prefabricated housing, we're adding tiny houses to that list. And with the proviso that a municipality can establish site specific standards to regulate mobile home parks and tiny house parks with regard to the distances between structures and other standards necessary to ensure public health safety and welfare, provided they don't have the effect of prohibiting the replacement of those structures. So a municipal bylaw can have the effect of excluding mobile home parks or tiny house parks from the municipality. And then again we're applying the same provisions related to non conformities and mobile home parks so non conformity is is where, for example, the municipal zoning bylaw is updated to say that the setback has to be 20 feet. So when that park was established the setback was 10 feet. And so now the structures are 10 feet apart and they no longer conform to the bylaws so if you have a pre existing non conformity what we're saying is that the structures in the mobile home park. So for the tiny house park, you have to look at it on a park wide from a park wide lens that you don't prevent lots within that park from being developed if the park was previously permitted again. So this is preventing municipalities from regulating mobile home parks and what we would add tiny house parks out of existence through changes to their zoning bylaws that gradually hollow out the park from the inside. So the next provisions here. What we're adding here is, we're adding tiny houses to the provisions regarding the purchase and sale of mobile homes. So we have a whole chapter in our cover title governing commerce. That provides protections and risk requirements around the sale and purchase of mobile homes. We're adding tiny houses to that. The idea being that tiny houses are very similar particularly and that they could be located on least land like a mobile home and a mobile home park. So, we're adding in section seven, section seven that the purchase and sale requirements tiny houses included in the definition of mobile home. And then within the requirements around mobile home parks and title 10. We're adding tiny houses to those same requirements so they're treated identically again. So what section eight is just updating those definitions to bring tiny houses and the concept of a tiny house park or a park owner owning either a mobile home park or a tiny house park into that statute. We're adding a section governing tiny house parks that provides in section nine here that the provisions of this chapter shall apply to tiny house parks, tiny house park owners tiny house park residents, and leaseholders and tiny house parks in the same manner as they do to their equivalent in a mobile home park. And then gets into taxation. So sale or transfer of mobile homes and we're adding tiny houses to this statute. And providing that the transfer of ownership in a mobile home, or a tiny house, the taxes around that are going to be the same. Including the requirements around a uniform bill of sale. Provided under title nine. And so again throughout here we're just adding or tiny house so that the requirements are identical. And then the section 11 relates to when there is a tax sale to acquire a land. Following a delinquent tax issue. And it basically provides the same provisions for extending that tax warrant to a mobile home on the in a mobile home park, as it would be to a tiny house in a tiny house park. And then in again. So 10 vs a 6248 C, I believe is so this relates to the collection of taxes here and I got to be honest I have to check back as to what 6248 C refers to but again we're extending the same requirements here for mobile homes and tiny house parks. Sorry this is what happens when I do a walkthrough without preparing ahead of time. But I will get back to you on what that requirement is the the key point here is that again. When they're extending a warrant for collection of delinquent taxes here, and there's been notice provided pursuant to the mobile home home park law or in this case, what would become also the tiny house park law. The collector would commence tax sale proceedings within a set time after receiving that notice. The next section here includes a tiny house and the definition of homestead for purposes of the homestead property tax exemption. And then the section 14 is the section where we have to set out the statutory purpose of tax exemptions. The capital gains credit which is created in section 15 is what we're referring to here and we say that it's to encourage sales of mobile home or tiny house parks to a group composed of a majority of the mobile home or tiny house park lease holders, or to a nonprofit organization representing those groups so as some of you will be familiar with or maybe all of you. So what you've done with David on tiny or on mobile homes this year. We do have a provision in the law that allows an organization of the, the owners of the homes within a mobile home park to purchase that park from the mobile home park owner when they want to sell in order to protect the land that their, their houses rest on. And so, like I mentioned before section 15 here is including tiny house parks in that capital gains credit for those sales back to the owners of the homes in that park. Section 16 here relates to computing the property tax credit for the owner of a mobile home and we're adding again tiny houses to that. And section 17 is excluding the retail sales. Or excluding from the sales and use tax. The 40%. Yeah, 40%. I'm sorry. It's just wrapping my head around the language here. Again, so 40% of the receipts from the sales of mobile homes and tiny houses here when they're sold as tangible personal property is excluded from the sales and use tax. And then the in section 18 we're excluding from the definition of land land comprising a mobile home or tiny house park. That is transferred in a single purchase to a group consisting of the owners in that park. So, again, this is for excluding tax exclusion here to encourage that transfer. And then section 19 would require conforming revisions to be made. When ledge council makes revisions throughout title 32, as needed for consistency with section eight of this act by substituting a mobile home or a tiny house is defined in 20 vs a 2731 for a mobile home and any other revisions that are substantially similar. And then the effective date is July one. So, I will say that I worked closely with Abby shepherd from our office on drafting the tax sections. If you have questions about those tax provisions. I am not our tax attorney so I would really strongly encourage you to talk to Abby on those issues because she's much more aware of the ins and outs of the various complications of property tax. And of course I imagine if this bill does move forward, your ways and means committee would be interested in taking a look at those with Abby as well just to consider what the potential implications would be. But as I said from the beginning, what the idea was with this bill is to put tiny houses on the same footing as single family homes. And then in instances where there's a distinction between what I'll call a traditional single family home and a mobile home to put tiny houses on the same footing as mobile homes because of their similarity. In the way they can be cited on least land very easily or potentially moved from one location to another before they're fixed to the ground. So I see there's questions. I'm going to represent a trial. When you spoke of safety equipment if these tiny houses are mounted on trailer frames or wheels. Is that is it that would be lights and brakes and and things like that would be required under that section. It's it's, it is anticipated that that would be along those lines requirements for the construction of the trailer, how the tiny house is fixed to the trailer. Safety lighting breaks weight limitations, etc. Again, anthea from our offices are are expert on transportation issues. So I can, if there are more detailed questions I can pass them on to her. Or you may want to hear testimony from for example, agency of transportation or Department of Motor Vehicles regarding what those requirements would be. You know, and it is important to note that this bill does require them to conform with certain statutes but it also gives some discretion to the Transportation Committee to adopt additional requirements that might be unique to tiny houses. And I can't say what those would be but just, you know, with the idea of taking a framed living structure down the highway. There, there obviously may be some unique considerations and requirements in the same way there are for mobile homes. Representative Parsons. Yeah, I just had a question about you said that this is kind of bring them in line with a single family home or a mobile home. But certainly there are a lot of these that are designed to go down the road and they're used as campers really as more in that vein I guess you'd say, does this address any of that, or does this doesn't, this doesn't address the idea of using a tiny house as a camper. The, our transportation law already does address camper trailers. And so it may be something that would be left up to rulemaking as to how to distinguish between a tiny house that for example is seasonally brought to a property that's used as a camp by a family, and then, and then towed somewhere else in a, you know, when the weather becomes unseasonable there maybe they they move it to a different property and a more temperate part of the country. Versus one that gets fixed to the ground in the way mobile home would be where you're you're connected up to a septic tank and so forth. I believe that there are some requirements around sanitation for camper trailers. And I don't know how you would draw the line, necessarily between a tiny house that needs to be hooked up to for example, a septic system versus a camper trailer that would have an onboard tank for wastewater that can then be deposited periodically in a septic disposal facility. Yeah, thanks that was just one of my was listening to us kind of trying to get around the idea of how unintentionally we might wrap up these into a mobile home unit when it's really not the intent of the owner. Yeah, and I think this is one of the policy questions that the committee if if you move forward with this bill. What I need to grapple with is, where do you draw the line on on tiny house versus some other forms of, you know, dwellings. And are there complications that you need to either leave up to rulemaking, or that you can address through statute, and so forth and I think this is one of the things that jurisdictions around the country as they've been trying to address tiny houses have been struggling with is because of the unique nature of the homes where for a portion of their life or all their life they could be fixed at one spot. But in other instances you may see a tiny house that moves either seasonally or, you know, moves every couple of years as it changes owners and I. I don't speak for Coach Christie but I think his idea is is to address tiny houses that are used as housing, rather than something that's used, and he's not trying to wrap up things that are used as campers, or something like that like a recreational vehicle for example. I would say that that's the the general thinking. When we think about properties in a lake here in Vermont, for example. If we had a child that wanted to come back you've got four acres of land and it's just your son and daughter or, you know, as a couple, not really looking to be that mobile, but families move a lot more now. But the hope would be, they might move back home home, and then maybe look for a piece of property, you know, either, you know, in the kingdom or what have you that they might move it to for even a more extended, you know, period. And as we get more connectivity. The likelihood of needing to be in a certain area.  Employers have said, Hey, you know the model is changing. I thought I had a question but I'm actually not thinking that it's easily answered so I'm going to wait for further testimony on it I appreciate it there's a lot more to think about on this than I thought there would be. Also I regret I have another meeting so I need to leave. So thank you coach. Thank you. Thank you. Damian a quick question for me what is the relationship in this legislation at least right now from tiny houses as ad us. So, this legislation. I've stayed away from amending the accessory dwelling unit law, knowing that that can be just an issue that generates a lot of discussion. But nothing would prevent a tiny house from being used as an accessory dwelling unit with the way this is drafted. If you look at the definition of accessory dwelling unit and it's been a couple months since I looked at it, but it's something I worked at or worked with somewhat regularly in my career before the legislature. It's, it's defined as a dwelling unit that is. I don't remember what the word is but basically is secondary to the main unit. It's subordinate to us is the way we phrase it. So clearly subordinate to the main unit. And I think if you have for example, to take a variation on coach Christie's example here where you know the parents have a property here in Vermont. The child wants to move back but doesn't want to live in the same house wants their own space. The parents could very easily set up tiny house in the way. You've seen this happening increasingly on the west coast with municipalities having to address backyard tiny houses where because the housing costs are so high and some of the cities out there. They have set up a tiny house in the backyard for their children. So their children can get established and have affordable housing but, and they're taking advantage of accessory dwelling unit laws out there to set up the tiny house as an ADU in the backyard, meeting all of the requirements for sanitation and so forth. So using the tiny house which is more affordable alternative to, for example, a traditional stick built accessory dwelling unit on that property where you need to dig and pour a foundation or a slab with frost protection and so forth. And in this case, I think the short answer after that long and rambling explanation is that there's nothing that prevents them from being used as an accessory dwelling unit. And so they would be brought into that conversation. Okay, representative walls. Thank you. I don't remember hearing anything, and you'll walk through that address this Damien. But the mention of families made me think okay what if it's a couple as a tiny home they have a baby and then decide to add a bedroom and it's no longer bigger than 400 square feet. And it's just a single family home. I don't remember anything you said that would cause a problem. I don't see any reason why that would create a problem. Obviously if you're going to expand your tiny home in the same way that if you expanded a, you know, a small seasonal cabin or something into a more permanent residence, you'd have to comply with building code and zoning requirements. And as you do that, I think the tiny house owners could potentially see some construction complications around that with the expansion. But I think what you would basically see is, you know, that they may run into some complications around expanding the home and bringing it out of that tiny house definition. There's nothing that prevents them from doing it they may just need to take some special steps to, you know, to make that structure to the expansion of it, in terms of maybe putting a more permanent foundation under the tiny house or something legally. There's nothing preventing them from doing that provided they can comply with the code and zoning requirements for their location and and what they're planning to do. All right, any further questions right now for coach or Damian. All right. Well thank you for introducing the bill and doing the walkthrough. Thank you for handing us something that seems so simple and plain that we can pass it tomorrow but I always love when we mix housing and mobile homes and automobile law and tax law and that's the Vermont way. It just takes a couple places. Representative Murphy. I would definitely say if I was still next door to you I'd be knocking on your door saying what are you doing with my title. It's just a tiny title. It's a subtitle. All right. Thanks everybody we're going to call it a day. We have a long day tomorrow ahead of us. We're back here in the morning, and then we have Jerry to on the floor tomorrow. So enjoy the day I'm going to go take a walk for a change it's been a couple of weeks it seems.


Now in tennis, Novak Djokovic threatened to shortchange over 14,000 fans who had forked out £170, that's about $234 for Wednesday's centre-core tickets when, after only 19 minutes of action, he stood on the cusp of a bag in the first set 6-0, trailing Law 5 and 1540 on serve. It seemed like Martin Fuchsovic's first foray into Grand Slam quarterfinal would be short, not very sweet, but some other 29-year-old avoided disappearing into a Wimbledon sinkhole for two hours and 17 minutes before Djokovic pushed him over the edge for a 6-3, 6-4, 6-4 win that secured a place in the All England club semi-finals for a tenth time. Plain in his 50th Grand Slam quarterfinal, Djokovic recorded a century of tour-level wins on grass and his 315th victory at a major.


Let me introduce myself. I'm Abdulrahman Umar and I work for the Commonwealth of Learning, Vancouver, Canada. Mobile technologies offer immense opportunities to individuals and communities to have greater access to knowledge and information and use that to improve themselves and their communities. Mobile phones, tablets, e-readers and other mobile devices have now become part of our everyday life and can be effectively harness to promote access to education. Some of the purposes for using mobile devices in education include delivery of content, learner support, monitoring student progress, work based and just in time learning, teaching subjects such as languages, uneducational quizzes and games and so on. In this course you will learn about how mobile technologies can be used to enhance access to education and improve the quality of education. Thank you.


I keep running the events of this weekend over and over in my head, even though the doctors, my friends, and my parents, and my own better judgment have all implored me several times not to. I can't help it. I can't shake this sense of doom, of guilt. My friend is dead, and despite the fact that I'm still just as clueless as everyone else as to exactly how she even died, it somehow feels like it was my fault. But it can't be my fault, right? I didn't do anything wrong. When Kara came back from her summer in Canada, and both Jason and I immediately picked up on the fact that something was very off about her, I did what a good friend is supposed to do. I bombarded her with memes and consistently invited myself over to her house after school and brought her the occasional frat before first period. And when my usual moves didn't seem to shake her out of the weird twitchy funk she apparently found herself in, I ramped my game up a notch and organized a camping trip. This strategy usually worked. Kara had always been outdoorsy, and I'd planned day trips to bust her out of her bad moons to great success before, both after the disaster that was junior prom, and that time she completely flunked Trig a year back. Kara, being the kind of granola chick rock climber through climber, human labrador she usually was, had never struck me as very emotionally complicated. Generally, if you took sad Kara into the woods for a day or two, let her breathe some fresh air and eat some tinfoil dinners, she'd emerge at the end of the trip as emotionally recompobulated Kara and eventually would go back to normal. Though I guess what I was dealing with at this point wasn't the sad Kara I'd seen before. She wasn't moody or pouting or brooding or whatever. From the moment Kara got back from her trip, she was very deeply off. She seemed both restless and totally exhausted at the same time. She'd do this thing where maybe a few minutes into a normal conversation, her eyes would drift from the face if whoever was interacting with her and start darting around the room. She'd stop paying any attention to whoever she was talking to and just openly stare at nearby windows and doorways. She hung blankets from curtain rods in her room to make what I guess were makeshift blackout drapes. And she absolutely refused to go out with me or Jason or anybody after dark. Sure, I guess at some point I could have asked her what specifically was wrong, but that wasn't the way I operated. And it sure as hell wasn't the way Kara operated. I think Jason reached out to her about it at some point. But as far as I can tell, she just pretended not to know what we were talking about. So I invited her camping and considering how cagey and weird she was being, I kind of expected her to say no. But when I texted to ask her about it, she responded with a sounds good basically instantly. And when Jason and I pulled up to her place in my mom's van at 6am last Friday, she was packed and ready to go.  Her pack was barely thrown together. She looked like she was going to war, but she was there. I could see her mom staring at us from her bedroom window upstairs. And I remember thinking that she had that same twitchy, nervous look in her eye that Kara did. But I didn't think to ask about it.   Why didn't I ask? Something was clearly going on, something bad. And I was too scared to ask. We drove up to the state campground about an hour north of our suburb. And we broke out the town I got from Home Depot and the death trap grill that Jason snagged from his dad. And we tried our best to pretend that it was just a normal trip. And everything was fine.  We ignored how she jumped and swiveled and stared, anytime a pine cone so much has dropped within a hundred feet of us, like she was expecting someone to burst out of the woods at any point and ambush her. We ignored how, very briefly, when Jason and I were talking about the movies we were looking forward to coming out next year, she looked like she was going to burst into tears. We ignored her very transparent efforts to try install once the sun went down and Jason and I started yawning. How she tried to start conversations, she clearly didn't have the attention span or energy to maintain just to keep us from turning in for bed. We ignored it all. Every red flag. Then we went to bed. She climbed into the tent and she asked us to leave the electric lantern on. I shrugged and Jason said it literally didn't make a difference to him either way. I woke up at one point in the night. I think I can't tell if I dreamed this or if I made it up after the fact or if it actually happened. But I vaguely remember being woken up. I remember that it was weirdly windy, or at least it sounded windy, like the trees were all swooshing around outside, louder than they had all night. I remember that I could barely hear Kara crying, or almost crying in a half choked, suppressed sort of way. I was two days to turn over and ask her what was wrong. I was half asleep. Still, I should have. I should have tried to talk to her. I think in between hitched breaths. I heard her whisper something along the lines of, I'm sorry, there's still a good chance I dreamed all of that made it up to make sense of the trauma or whatever I really hope I did. I woke up around dawn and I noticed that Kara's sleeping bag was empty. I stepped out of the tent and shuffled over to the edge of the campground where we tied our food up to keep it out of reach of bears. I started fumbling with the pulley connected to the bear bag, and I felt the drop of water splash the back of my neck. I looked up to see if it was raining. And I looked up to see Kara way high up in a tree, 85 feet, I think is what I ended up hearing the official measurement was way high up. She wasn't sitting on a branch. These were big old ponderosa's.   And she was bleeding on me. I fainted, which I've never done before. And apparently I cracked my head pretty bad on the way down. I woke up flat on my back about an hour later with one of Jason's shirts pressed onto a gas just below my hairline. I'm lucky Jason found me at all. He woke up maybe 15 minutes after me and made the same beeline for the food that I had. He basically tripped over my body. It wasn't long after I woke up that he asked me where Kara was. I explained to him what I had seen, what I could still see if I looked straight up. He believed me right away. Despite how completely insane the image I was describing was, must have been something in my voice when I told him, I guess. By the time the cops got there, the bleeding on my head was slowing down. We got ushered out of the camp pretty fast. They told us that it was because I might have a concussion and needed medical attention immediately. But really, because they seemed deeply freaked out by what they were looking at and getting us out of the way was the only thing they could do to even begin to look like they had a handle on the situation. I got set up in a hospital room, had some x-rays taken, talked to some doctors, then talked to some cops, detectives, technically, who seemed as clueless as me. They asked the basic questions, how I knew Kara, if she'd been acting strange lately, if I knew anyone who might have meant her harm. Yeah, officer, now that you mention it, she left Landon from Home Eck last week. So maybe he followed us out into the woods, dragged my friend a million feet in the air, and skewered her onto the top of a tree like a Christmas star. Sounds like a lead to me. My parents, of course, are out of town. Work conference. I called, told them I was okay, didn't really give any other details. They'll probably hear all about it on the news soon anyway. I don't want to go home alone. I'm very deeply freaked out. I don't know if it's because there's probably a mountain of fresh trauma bubbling in my subconscious, or if my little spill actually knocks something loose in my head, but I absolutely cannot look out the window in my hospital room, can't even glance in its direction. I'm on the fifth floor, but I keep expecting something to pop its head in. I keep expecting to see something staring at me from the other side of the glass. There's woods near the hospital. And when it gets windy, I can hear the leaves brushing up against each other. I sometimes hear something that sounds like my name mixed into the sound just faintly enough that I can't tell if I'm making it up or not. Deep down, I feel like if I go home alone, this feeling is only going to get worse. I really hope that I didn't actually hear Kara crying that night. I hope I made it up. I hope it was a weird post-traumatic fever dream. And if it's not, and it did happen, then I desperately hope that I didn't actually hear her say sorry. As if she did, I have this sinking feeling in my gut that she was apologizing to me for something, something that hadn't happened yet. Something very, very bad.


Hey guys, so we are here for the July. No, sorry June 2020 project Pan Art Supply style and this is a project. I started at the beginning of the year You know before I knew what was gonna happen with the world But it was just my way of working through the stuff I have Trying things using things up purging things if I'm not going to use them I got inspiration from the Beauty news ladies, and I will link their channel below I have filled in the last month I've lost track three or four priority mailboxes of stuff. I Mostly paper and envelopes The last box was a large-sized box. Most of them have been medium and I filled another one up today. I Am going to cut to a clip here of me filling up a medium priority mailbox to send off to a friend. Well actually Adding things to a box that was already filled So we're gonna cut right here. Hey guys So I am packing a mystery box that a friend of mine just purchased that already had a lot of stuff in it She ordered a couple more things. I was squeezing them in I decided to take some things out of this month's purge box from Project Pan Art Supply Style and including some envelopes I found and some metallic extra metallic embroidery thread random random vintage trims and Oh some embossing folders So those are all categories of things I've gone through this month and I found a few extra things I don't need and so I'm passing them along and Yeah, I'll film the rest in a few days. All right, so in this next clip you are watching me Sort through my bin of stickers and images for collage Now I have discovered through my journeys that I am not a big fan of junk journaling I don't really do planners in the traditional way that being said I want to keep some stickers and things and die-cut images and collage images. I do like to work on those things I just don't need a hoard of them and over the years. I've collected way too much and so I spent some time today Sorting through them and I whittled it down to Probably a third of what I had and you see me here Packing a box a medium-sized box and it is full It is full of just die-cut images and stickers. There is nothing else in the box. That's it I know I'm speechless myself I am going and it's full to the top. I'm gonna list it in my Etsy shop for sale and There is a random Collection of all kinds of stuff in there. Not too much holiday stuff a little bit of Halloween but mostly it's just other stuff and Some of it is my artwork. Some of it is things I purchased that I'm not I used a couple and I'm not gonna use it up Some of it is planner stickers, but I'm not sure where they came from They might have come in happy mail and if that's so I appreciate it, but I never used them So they should be passed along to somebody who is going to use them. I saved two binders of These are a mixture of stickers and die-cuts. I have two black binders already in here that are collage images and I have these two little books I put together a long time ago and these are a small sort of Planner or travel journal type stickers. I do love using these. I don't know if I'm still sold on This this book and this way of storing them So much So I think that might need to change.  So anyway, I also have gone through So one of the things that we just decided to do this last month if you watch my Vlog Put that in there before I lose it if you watch my vlog then you know that my husband's printer died a few months ago and with the pandemic and everything we never did anything about it He's just been using my printer, which is hooked up to the internet the house internet We decided that we were gonna just keep doing that and when mine dies we'll just get one printer for the house and so that meant all of the paper and office supplies had to come out of his office and They should be sorted and organized in here Like you can see the printer top of the printer right there and next to it's where all the office supplies are and underneath Everything that's used for the printer and shipping So I did that this last month and we I Don't have all of it here. I just have a sampling of it here, but I found like for instance a whole ream of Cream colored card stock that we're never gonna use we have so much card stock So that's going out for donation. I found sample packs of paper like this one I found some transparency film and this is not the kind that goes on the printer. This is kind of you write on Not sure why I have that So that's got to go. I found some empty bins and boxes that I'm not using anymore So that's got to go. I did use the one product. I did use up white gel pen I know right and I'm Close to using up one of the black big crystal pens, but not quite So anyway, that's been my journey this month with trying to use things up only keeping what I love and keeping what I'm gonna use and Letting go of or using up the rest or passing it along so Yeah Anyway, how about you? Have you done? Let me know and let's start a conversation about supplies and hoarding hoarding of supplies and Only keeping what we love and we know we're gonna use and all of that stuff over in a life of art and self-expression I'd love to see a conversation start over there. It's my Facebook group and it is linked below don't forget to like share and subscribe and Do leave me any questions comments or concerns if you have a way to support the free content here on YouTube or over in the Facebook art groups. I sure would appreciate that. There's a lot of different ways. You can do that You can join my patreon. There's YouTube membership here on YouTube I have an Etsy shop PayPal tip jar All that stuff so there's more I can't think of it right now and it's not just for me a lot of the YouTube creators have ways of supporting them and Especially in the art community and I know if you have a favorite creator They probably have a way check out the video description and the link There's probably a link for something down there if there isn't to ask The same goes for the Facebook art creators. I Know we'd all appreciate your support right now and yeah, that's it Stay safe stay healthy stay creative and don't forget to go out and do something nice for yourself because you deserve it And I'll see you later. Bye guys


Hello and welcome to this session. In this session we will discuss a question which says that I want to find which function is exponential and which is linear from the parallel table and on this table the different value effects are given as 10, 15, 20 and 25 and corresponding values of f of x are given as 20, 35, 50 and 65 and for these values of x corresponding values of g of x are given as 4, 32, 256 and 2048. Now before starting the solution of this question we should know our event and that is linear function goes by equal differences over equal intervals and exponential function goes by equal factors over equal intervals. Now to find that a function is linear we find the difference in the consecutive values of y that is y2 minus y1 and to find that a function is exponential we find the ratio of consecutive values of y that is y2 upon y1. Now this result will work out as a key idea for serving out the given question. Now let us start with the solution of the given question. Now here we have given a table where values of x are 10, 15, 20 and 25. Now see these values are increasing by equal intervals that is 5. Now you have to identify between f of x and g of x which function is linear and which function is exponential. Now here you can see the values of f of x are 20, 35, 50 and 65. Now these values are increasing. Now you can see whether these values are increasing by equal differences or not. Now here 35 minus 20 is equal to 15. Then 15 minus 35 is again 15 and 65 minus 50 is also 15. So we see that the values of f of x are increasing by equal differences that is 15 over equal intervals that is 5. So there is constant rate of change and from the key idea we know that linear function rows by equal differences over equal intervals thus f of x shows a linear relationship. Now again see this table for the values of g of x. Now the values of g of x are given by 4, 32, 256 and 2048. Now here you can see 32 minus 4 is 28, 256 minus 32 is 224 and 2048 minus 256 is 1792. Now these values are also increasing but not by equal differences. So here the relationship is not linear. Now you see the ratio of convective values of g of x that is y2 upon y1. Now here 32 upon y4 is equal to 8 then 256 upon 32 is 8 and 2048 upon 256 is also 8. So you see that the ratio of f convective values of g of x is constant thus g of x is an exponential function and this is the solution after given question. That's all for this session. Hope you all have enjoyed the session.


Hey y'all, welcome to what Chelsea eats. Thank you so much for joining me today I am going to be sharing with you a video on what I eat in a day and believe it or not My channel is called what Chelsea eats and I have never done a what I eat in a day video I'm so glad you landed on my channel My name is Chelsea Knudsen and I'm a certified holistic health coach and I coach women on how to heal naturally from female-related issues using food as medicine. Be sure to subscribe and hit the notification bell so you never miss an episode. First we have this smoothie that is meant for two people it makes about 72 ounces it has four cups of unsweetened coconut milk three large handfuls of spinach three cups of frozen cherries one cup of peaches two fresh bananas also two dropper fulls of liquid chlorophyll the link will be in the description box below with the brand that I used one dropper full of vanilla stevia and that's it and all I did for this recipe is blend it until smooth and I shared it with my husband and although this smoothie looks pretty disgusting you see the ugly green color it was absolutely delicious probably one of the best smoothies that I have ever eaten or shall I say drank so I just split it between me and my husband and that kept me going for the entire morning also if you're not using a Vitamix or you're using a smaller blender please cut this recipe in half or to fit your blender because this is a lot of smoothie all the recipes in this video will be below in the description box next I'm going to share with you my lunch now for my lunch meal I am making a lemon lentil soup these are red lentils I'm putting in here this is one cup of red lentils rinsed and drained adding two cups of carrots chopped one cup celery chopped next we're going to add some black pepper to taste that's probably about an eighth of a teaspoon next is some coriander three quarters teaspoon you can also use cilantro instead then we have one full teaspoon of cumin then we have two healthy vegetable boyan cubes the ones I use will be linked down below in the description box and then we've got some cayenne this is optional you can do it to taste if you like a little kick then use the cayenne if not leave it out and I've got one teaspoon of thyme I love thyme and soups it does wonders and we're going to add a little bit of fat to the soup just so it's more satiating and I'm adding one and a half tablespoons of almond butter unsweetened and unsalted and then we're going to add the juice of two whole lemons I think the lemon added to this soup is what made this soup I really really enjoyed it also I'm thinking you probably could use limes for this one day I'm going to make it and add limes instead of lemons and let you know how it turns out now we're going to add our water I'm adding about four cups of water and y'all know I'm using an instant pot you can probably make this easily on top of the stove you just have to adjust the cooking time based on how long it takes to cook lentils in a either a crock pot or on top of the stove and I am adding the lid onto my instant pot so I cooked my lentils for 30 minutes it's all done everything is nice and soft I'm stirring everything together so that all the flavors melt together smells so good anyway I'm going to add some fresh greens to this I have spinach on hand so I'm taking about I think it's four packed cups of spinach that I'm using for this recipe I'm just going to put all of them in there and stir them in there you can use as many as you want because what happens is as you stir the greens down into the hot soup they sort of cook down a little bit so I could have even added more for more nutrients so now I'm just going to plate my soup looks so good it really did taste good y'all you have to try this recipe it's very light it digests easily and I just loved it the other thing that was surprising about this soup is that it was creamy I loved it so you know we have to get in our salad every day especially if you don't get enough greens in from your smoothie or your green juice you've got to get these greens and especially if you're trying to reverse iron deficiency or anemia or mineral deficiency in general so I have washed and dried washed and dried and chopped one head of romaine that I am dividing between two salads one for me and one for Kenny he's my husband the goal for the day is to get in at least one pound of leafy greens a day I know that sounds like a lot but you need them for your minerals and so that you can stay satiated and so that you can kick cravings remember the exact ingredients to these recipes are down in the description box I've got a six ounce package of blueberries that I'm split between the both two salads and I have a half a cup of red onions chopped that I'm adding to the salad and then I have about a half of an avocado that I've smashed up that I'm going to split between the two salads and then we're going to add some tomatoes I'm going to split a half a tomato between the two salads then I've got some chopped cucumber I peeled these cucumbers because they weren't organic and they had that waxy film on each side so be sure to peel your cucumbers if they're not organic especially if they have the waxy build up on the outside next I'm going to add some crunch to the salad I'm adding some pumpkin seeds some raw pumpkin seeds I love adding these to my salads but you can choose whatever you want now it's time for seasonings this is how I like to make my salads taste goods I love Benson's table tasty I sprinkle it all over my salads and it gives them flavors Benson's table tasty has a variety of different flavors you can look down in the description box for the link for the ones that I like and now for the salad dressing this is a lemon basil vinaigrette there's two tablespoons of balsamic vinegar half a cup of water quarter cup of red raw almonds quarter cup of raisins third cup of fresh basil one teaspoon of Dijon mustard and you can add salt to taste I did not add salt but this was creamy and it was very fragrant it tasted really good too when I make my salad dressings the thing that I like to do is to make enough for a few salads so I store them in glass mason jars and I pour it in there and then I screw on the lid like a plastic lid and I keep it stored in my refrigerator for three to five days after that for fresh salad dressing you need to throw it away so now y'all know what I typically eat in a day this is different every day but it usually has something to do with a smoothie a juice a soup a salad or some type of vegetable medley that's usually what I eat but I eat a variety of different foods sometimes and then sometimes I eat the same thing over and over and over again but if you would like some examples of what I eat go back through my videos and watch the recipe videos if you want to know more about what I eat you also can feel free to purchase my seven day meal plan it is it is linked down in the description box I also have a juicing recipe ebook so you can see some of the recipes I use for my juices as well I'm also coming out within the next 30 days or so with my volume two seven day meal planner so I'm excited about that and the biggest thing is if we keep on eating clean and we eat foods that help our bodies to heal we will feel better we will start to eliminate those pesky symptoms and those fibroids will start to shrink the endometriosis will start to heal the ovarian cysts will shrink you just have to keep plugging away and don't quit no matter what you do do not quit but I'm so grateful that y'all tuned in to my video today and if no one told you that they loved you today Chelsea in North Carolina loves you very much and I'll talk to you all soon take care


Good morning, Hank, it's Tuesday. Let's talk about the health care proposals of Donald Trump and Hillary Clinton. But first, I should say that if you're interested in health care or health in general, you should check out health care triage hosted by Dr. Aaron Carroll. It's an amazing show. Okay, to understand the candidate's proposals, we need to look at the current health care system and its problems. So journey back with me to 2008. At the time, most Americans got insurance through private companies. There was a publicly funded program for the elderly to get insurance called Medicare. Many low-income families got coverage through a publicly funded program called Medicaid, and about 15% of Americans had no health insurance at all. So broadly speaking, back in 2008, our health care system had three huge problems. The first was those 15% of people without insurance. Many people who didn't work for big companies, including me, literally could not get health insurance for any price because private insurers could deny you based on pre-existing conditions. And for many other people, private insurance plans were just too expensive to afford. And that brings me to our second big problem back in 2008, which was that our health care just cost too much. We were spending 16% of our nation's total economic output on health care. Most other rich nations spend under 10%. Like, our health care costs were so stupefyingly high that in the United States, more tax dollars per capita went to health care spending than Germany, Japan, the United Kingdom, or Canada. All those countries spending fewer tax dollars per person on health care had universal publicly funded health care. The United States had nothing close to that. Also, lastly, for all this money we were spending not to insure everyone, we weren't getting particularly good health care outcomes. Like, by almost any measure from life expectancy to medical errors to hospital admissions for preventable diseases, the United States was not near the top. So then comes the Affordable Care Act of 2009, which was designed to address some of these problems with the emphasis on the sum. The ACA was primarily designed to get more people health insurance. About half of the newly insured were supposed to get Medicaid, which was expanded to include everyone making up to 138% of the poverty line. And the other half were supposed to get insurance through exchanges, these marketplaces where everyone can get health insurance regardless of pre-existing conditions. And the insurance would be affordable because households making up to 400% of the poverty line would have their insurance costs subsidized by the government on these exchanges. The ACA also sought to reduce spending by lowering costs within Medicare and it raised some new taxes, including one on medical devices. But it left the rest of the US health care system largely unchanged. So that was the basic idea. Now, the ACA has never been fully implemented because a 2012 Supreme Court decision made the Medicaid expansion optional for states, and 19 states have so far declined to do it. Which means that millions of poorer Americans remain uninsured. That said, the ACA has been successful at reducing the number of uninsured people. Today it's around 9.1%. And it may have played a role, although experts disagree about this, in the slowing growth of health care costs in the United States. For the 20 years before 2008, health care costs in the United States rose by an average of 8%. In the last five years, they've risen by an average of 5.5%. But to be clear, costs are still rising faster than inflation and median weekly earnings. Health care outcomes continue to lag behind, and our health care system is still far, far more expensive than any other nation on Earth, although the gap with Europe has closed a bit. The ACA wasn't really designed to address those problems, and it hasn't. And there are other problems too. In the employer market, premiums and deductibles are rising as employers cover on average a smaller percentage of health care expenses than they did 10 years ago. On the exchanges, some insurance companies are offering fewer plans. And because insurers are now required to offer comprehensive coverage with no lifetime benefit limits, many people who previously had bare bones insurance plans have seen their insurance costs go way up. These are all real problems, but it's very important to understand that the structural shortcomings of the United States health care system are much, much older than Obamacare. The ACA is not the reason our health care costs are so high, and we know that because they were very high before the ACA. So with all that in mind, let's look at both candidates' health care reform proposals using analysis from the RAND Corporation, which is nonpartisan and widely considered centrist. Let's start with Trump's plan. First, he would repeal the ACA. Now, Trump has said he'll find ways to make sure that private insurers continue offering plans to people with pre-existing conditions, but he hasn't said how this would be possible. Trump would also change the way Medicaid is funded, to block grants. This would basically mean that states get to administer their own Medicaid programs, but most analyses see these block grants over time involving lots of cuts. And lastly, Trump would allow insurance companies to sell plans across state lines, and he would also make all health insurance premiums tax deductible. But remember, these are deductions, not tax credits, so they would mostly benefit people with high incomes, for reasons explained in this video. Altogether, the RAND analysis concludes, and I'm just gonna quote here, The Trump proposals decreased the number of insured, increased out-of-pocket spending for consumers enrolled in individual market plans, and raised the federal deficit compared to the ACA. So here's how. Around 19.7 million people would lose their insurance if the ACA were repealed, and Medicaid block grants would probably increase the number of uninsured further. Sales of plans across state lines and tax deductible premiums would get some people insured, but all in all, RAND concludes that about 20.3 million fewer Americans would have health insurance under Trump's plan. Out-of-pocket expenses would go up according to RAND for two reasons. First, because the tax deductions offered by the Trump plan are less generous than the tax credits offered by the ACA. And secondly, they estimate that sales of plans across state lines would raise out-of-pocket expenses because there would be an increase in the so-called bare bones plans. These are plans with high copays or deductibles or limits to annual or lifetime benefits. RAND estimates that the average annual out-of-pocket expenses per person, including deductibles and copays and insurance premiums and everything, would go from about $3,200 per person to $5,700 per person. And the deficit would go up because with the repeal of the ACA, the taxes it raised would also be repealed, as would the changes in Medicare reimbursement. This would lower some taxes, but most of the savings were in changes to Medicare, so all in all under Trump's plan, according to RAND, the deficit would go up by about $5.8 billion. And I should add that all the nonpartisan analyses I could find agreed on all three fronts, that Trump's plan would reduce the number of insured people, increase out-of-pocket costs, and increase the deficit. Okay, let's move on to Hillary Clinton's proposals. Clinton would amend the ACA in three big ways. First, she would introduce a $2,500 tax credit or $5,000 for married couples filing jointly that could be applied to health care expenses over 5% of income.  Because this is a tax credit and not a deduction, it would be available to everyone, not just high income households, but that also means it would be more expensive. Secondly, Clinton would reduce the marketplace premium maximum. I know this is a little confusing. Health care policy makes tax policy look like a pleasant walk in the park. But basically right now the cost of health insurance premiums on the marketplace exchanges is effectively capped at 9.6% of income. To not benefit from the cap a family of four has to make $96,000 a year or more, basically Clinton's plan would lower the cap from 9.6% to 8.5% for most households. But of course that program would also cost money. And then lastly, and maybe most interestingly, Clinton would offer a public insurance option on the exchanges. This would allow anyone, not just seniors and low income people, to get their insurance from the government. Rand hasn't yet updated its analysis of the public option, but basically it would probably be cheaper than private insurance because it would share administrative costs with Medicare. And so it would slightly reduce the deficit by reducing health care subsidies. So all in all, according to Rand, I'm just going to quote again, All of the policies considered increased the number of insured people and reduced consumers out of pocket spending on health care. Rand estimates that the Clinton tax credit alone would lead to 9.6 million more people getting health insurance and that households of all income levels would see their out-of-pocket health care expenses go down. The biggest reduction in health care costs would be for families making between $30,000 and $60,000 a year, but they would go down for everyone. But of course these programs would also increase the federal deficit by what Rand estimates to be $90 billion. So that is Rand's summary. Trump's plan would lead to significantly higher out-of-pocket costs, fewer insured people, and a modestly higher budget deficit. The Clinton's plan would ensure more people lower out-of-pocket costs but raise the deficit more. But of course you have to consider those deficits in the broader context of the candidate's budget and tax proposals. And to be clear, overall under Trump's proposals, the budget deficit would be trillions of dollars more than under Clinton's proposals. The other question of course is will either of these proposals significantly reduce the overall cost of U.S. health care? And the answer is probably not. The Trump campaign will argue that selling policies across state lines will increase competition, but that is deeply contested. And also even in the rosiest projections it wouldn't decrease spending much. The Clinton campaign meanwhile will say that a public option would put real price pressure on private insurers. And it might, but I'll put a link in the doobly to explaining why a single-payer health care system would not magically fix the U.S.'s problems. The truth is this is a complicated, multifaceted problem and anyone trying to sell you simple solutions probably isn't telling you the whole story. That includes me by the way. This is definitely only an introduction. If you want to learn much more about health care policy and health insurance and different strategies for dealing with it, check out Health Care Triage. They've got a great video out now about Medicaid's return on investment and next week they'll have a much more comprehensive analysis of the candidate's health care plan, so subscribe to them. You can find sources as well as information about how to vote in the doobly-doo below. Hank, I will see you on Friday unless you have a child in the interim. End screen. Hank always says I need an end screen. So I put some videos here about health insurance, why you need it, what the health care system in the United States is like, why it's so incredibly complicated. Also, if you're looking for a hot slice of tax policy, that video is just one click away.  Thanks, Rosiana.


Stevenson falls to number eight, Frostberg State, 34 to 7 here tonight at Mustang Stadium, Glenn Clark with head coach Ed Hoddle. Coach, you knew this was a good football team that you're going up against and obviously they proved to be exactly that. What did they do that wore you guys down as the game went along? Well, I think that's exactly it. I mean, they were able to control the ball. You know, they won third downs, they were winning the line of scrimmage and able to run the ball, you know, as we got into the second half and we got pushed around a little bit and that's something we're going to have to look at and make some adjustments.  The third nine down here goes for 90 plus yards. You know, that's a backbreaker. So some things we've got to look at schematically, some things we've got to look at probably personnel wise. But I think we're going to be fine. As we try to find silver linings from this, one of the things that jumped out at me, you had to replace a couple receivers this year. It looked like Sebastian Vancker was really settling in as sort of being maybe the guy for you guys moving forward. Yeah, he's done a nice job. You know, he's been a monster in the weight room. You know, just watching him lift and watching him grow matures as a college football player has been exciting. You know, the next nine weeks for him are going to be huge. And maybe a pretty good competition moving forward in the backfield. You saw some really good things from Drexel Mosby tonight, I thought. Yeah, we wanted to work some guys through. I think we had four different guys, five different guys carry the ball tonight. So we wanted to work some guys through and Drexel popped a couple of nice runs, you know, at various points in the game.  So we're, you know, we're excited about where we are at that position. We've got some depth and it's all young depth. You know, they're going to be here for another couple of years. And, you know, it's going to be exciting to watch them grow. One of the things that I think caught the fans off guard and maybe even a broadcaster off guard was the new rule on kickoffs this year. Can you take us through the decision making that goes into those situations? We saw a lot of fair catches on the field tonight. So, you know, basically what we, you know, as the new rule was implemented, it's pretty interesting because there is no film to go to. There's nobody you can call and ask, what are you doing with this? So, you know, we kind of made the decision that we would treat the 10 yard line like the goal line. And anything, you know, from the 10 back, we're going to fair catch it and take the ball in the 25 yard line. So obviously their philosophy was a little bit different than ours. And, you know, as we start to evaluate film and start to evaluate what other people are doing to us and how they're attacking us in that situation, you know, that philosophy may change and grow. But again, you know, it's something new that we're all trying to feel out and, you know, getting the ball at 25 is not so bad. That's not a bad place to be. All right, Coach, how do you take this one and get better heading towards Bridgewater next Saturday night? Well, you know, we're going to start tonight. We'll start looking at the film and look at what we did well. Look at what we didn't do well and, you know, pair some things down. Look at some areas where we can improve. And, you know, it's just a constant evaluation. You know, it's one of those things that you take the biggest steps from week one to two and then to week three to really becoming the football team that you are. And so we're going to, you know, go back and evaluate everything we did leading up to this game and, you know, everything we did in camp. And, you know, make sure that we're doing things the right way.  You know, we've got a couple extra days to work with, so we're excited about that. And, you know, I think you'll see a football team that's grown between now and next Saturday night. Coach, best of luck on the road the next couple of weeks. Thank you very much. He is Coach Ed Hoddle. I'm Glenn Clark for GoMustangSports.com.