Hey, this is Brett and this 2017 Toyota Tundra Crew Max Short Box SR5 TRD Off-Road is stock number 13015Z. I'm here at Summit Automotive in Fond du Lac, Wisconsin, near New and use light duty truck headquarters. This super clean 2017 Toyota Tundra has the 5.7 liter V8 engine, 381 horsepower. This truck has been fully safety and inspected by our service shop per the state of Wisconsin inspection process, has a fresh oil and filter change, all the fluids have been checked and topped off, and this truck is 100% ready to go. I'm going to go all the way around in this video. Inside underneath, start it up and take a look under the hood. Silver Sky Metallic is the color, and I shoot all my videos in 4K, so if you have HD capabilities on your computer, tablet, smartphone, or television, I highly recommend turning them on right now because it is your best way to check out the quality, condition, options, and cleanliness of the vehicle before seeing it in person, and you're definitely going to want to check out this video because this truck is extremely clean. It comes with the 18-inch painted and polished aluminum rims, and it has Michelin P275 65R 18 tires. These are LTX ATs, and these tires look like they have probably about, I don't know, 60% of the tread left, maybe a little bit more. Frame and underbody is exceptionally clean. This is a one owner out of South Dakota, maybe North Dakota, one of the Dakotas, one owner, clean title history, clean auto-check, clean car fax, all that good stuff. Headlight lenses are nice and clear, and it does have the factory fog lights. Front bumper is in excellent condition, I didn't see any major dents or dings on there, and it does come with the chrome trimmed grille. The hood is in very nice condition as well, and the passenger side, front fender, no major dents or dings on there. Passive new side rim, no major scuffs or scrapes, and as you go down this side of this 2017 Toyota Tundra Crew Max, take note of how clean the body is, how reflective and mirror-like that paint is. I take these HD videos so if you are far away, or even if you're close by and you just cannot make the trip down, but you're still interested in purchasing the truck, you can see the truck, hear the truck, and have confidence in the vehicle that you're looking at before you even get here. So when you do get here, there's absolutely no surprises, and you can make a smart and informed buying decision from wherever you're at. And if this video helps you make that decision, let your salesmen know that you saw the video that was helpful and that Brett sent you. Back rims in excellent condition as well, and the back tires have just as much tread as the front tires. With the Bilstein shocks back here, look how clean that frame and underbody is. Very little to no corrosion, has all the remaining factory exhaust, and it's like that all the way underneath. Really really clean. This is pretty much exactly how this truck came in. We maybe gave it a wash, and that's it. Came in very very nice. The bumper is in excellent condition. Obviously, we put it through our safety inspection, but I mean condition-wise, cleanliness, this is how it came in. Full towing package, receiver hitch, four pin and seven pin wiring, and the tailgate is in excellent condition as well. No dents or dings, comes with a Truxedo low pro roll-up tonneau cover. No rips or tears on there, that's what I got in my truck. Has a shock down assist, comes with a spring bed liner, comes with a bed mat, and very very clean back here. Shuts nice and easily and solidly, and as you go down the driver's side, just as clean as that passenger side. No dents or dings on the box, and for full disclosure, this back rim is in excellent shape as well. It's got just a little spatter on there, but very nice and clean no scuffs or scrapes on there. And down the rest of this side of the truck, the doors and the cab all look really good. I would not hesitate to send this truck to California or ship it out anywhere. It's really nice. Heated mirrors. Inside the SR5 package gives you the two, actually three tone gray cloth interior. There are no rips, there are no tears, this truck's never been smoked in. Power driver seat, lumbar, factory, all-weather floor mats. Power slide-down rear window, power mirrors, power windows, power locks, we'll take a quick look at the back seats actually, as long as we're here. Back seats are in excellent shape, no rips or tears back here. Those have the latch child safety system for any child car seats you may have. Power slide-down rear window with the built-in rear defrost. And these seats do fold up for extra storage. All-weather floor mats back here, and just a ton of room in these crew maxes. Child safety locks on the back doors and the bottoms of the doors all look really, really good. All right, let's go check out the miles, the radio and everything that this truck has to offer on the interior, and then we'll start it up and take a look under the hood. You get the Tundra animation there. This truck only has 17,209 miles on it. Instrument cluster is very nice and clean, and comes with the multifunction steering wheel, audio controls, information center controls on the left, Bluetooth and display controls on the right, as well as your cruise controls right there. This one has the touchscreen radio. It's also where your backup camera shows up. You have AM, FM and Sirius XM radio capabilities, and then you have all your different apps right there. It does have a CD player, turned-out four-wheel drive. Here's your factory brake controllers, stability control, and tow-haul mode. Climate controls right there. It does have a USB and AUX jack. Here as well, cup holders, there's one, two, three, little storage tray right here. Passengers side, format and seat are in excellent condition, no rips or tears in there. Once again, this truck's never been smoked in, smells very clean inside, and the headliner is in fantastic condition. You do get map lights, compass, display in the mirror, and home link buttons for your garage door security systems, and lighting systems. We'll start it up here. Check out under the hood. No check engine lights or anything like that. We will be putting some fuel in this truck right after this video. You get an outside temperature display as well. I would personally like to thank you for checking out the video today, and hopefully from this HD video, you'll be able to verify the quality and condition of this truck all the way around inside and out. Under the hood, we have the 5.7 liter I-Force V8 engine. Engine bay is very clean, runs very smooth. Once again, this truck has been fully safe and inspected by our service shop as a fresh oil and filter change. All the fluids have been checked and topped off, and this truck is 100% ready to go. Just as clean under the hood as the rest of the truck, there is your emissions sticker. I can't say highly or too much how much I would highly recommend this truck for make quality and condition standpoint. Very, very nice. To see more pictures of this 2017 Toyota Tundra Crew Max Short Box SR5 TRD, or one of our other 450 new and used cars, trucks, SCVs, minivans, wranglers, halftones, sweet-coated tons, one-tons, you name it, we've got to go to that website right there. Summitauto.com. Full pictures and descriptions of every single vehicle from two locations. All at Summitauto.com. And if you'd like to check out more HD videos, you can go to YouTube.com slash Summit Auto. Remember to like, subscribe, and share on this video and all the videos that you see there. Click the bell notifications. You'll get updates on the videos I do each and every day here at Summit Automotive. In fact, in a second, you will see a link to subscribe to my YouTube channel in the upper left. To link to more Toyota Tundra videos like this one in the upper right. Link to this vehicle on our website in the lower left. To link to one of our latest YouTube videos in the lower right. Click those. Check this out. And we're super excited to help you with this ultra-clean 2017 Toyota Tundra SR5 TRD Off-Road Crew Max Short Box in Silver Scabantout. Thanks again for checking out the video. Remember to like, subscribe, and share. I really appreciate it.


Hello everyone to this session. My name is Jacob Wynneke. I'm a principal consultant at BFA Global. We're a distributed advisory data analytics and product innovation firm. In this session, we're going to look at climate resilience and adaptation through the lens of farmers and fissure. So just to start, communities everywhere are already really feeling the impact of climate change, whether that's through droughts in Uganda or wildfires in California. And much of the world's attention and focus related to climate change is really on mitigation efforts. So really focus on trying to reduce emissions. And so while that's critically important, in the meantime, we see that this really leaves the most vulnerable people behind. And so what we see is a real critical need to support communities in emerging markets in both building resilience to climate shocks and their ability to adapt to long run climate change. In the global north, we have politicians who push a narrative that climate change is not real, that it's just a myth or that it's not caused by humans. While in the global south, you have millions of people and communities and entire economies that are already being disrupted. And for them, the climate is changing and it's changing rapidly. And the adverse impacts are being felt the most in Africa. As a continent, it's right now the most vulnerable. It's the least prepared to respond. And it's also the least responsible. Since the industrial revolution in the 1800s, Africa has contributed only 3% of total global emissions. And so at my organization at BFA Global, we focus our climate action work on impacting the lives of two personas, farmers and fishers, because they provide the most food, the economic value, and employment on the continent. It's vulnerable because they're highly dependent on the natural environment and often have lower socioeconomic status. We know that solutions exist, whether that's a solar powered micro irrigation kit or its hyper local weather forecast delivered to a farmer's smartphone. So why have resilience and adaptation efforts received insufficient funding and innovation? First, the vast majority of climate finance goes toward large scale mitigation solutions and projects. Even within the impact space, over 70% of climate related startup deals last year went to just nine companies in the off grid solar sector. And if you look at incubators and accelerators, it's a similar story where it's strongly skewed toward mitigation and renewable energy in particular. Another reason we think is that adaptation and resilience, it's not as easy and it's not as sexy as mitigation. Adaptation and resilience is very difficult because there's a complex system of factors that impact a person's ability to adapt to climate change. And this isn't necessarily the case with mitigation where you can target very specific technologies or very specific industries to reduce their emissions. It's also something that's up to now quite difficult to measure in the social impact space. We have dozens of tools and methodologies at our disposal to support enterprises in measuring impact, but it's extremely difficult for adaptation and resilience because the impact itself is something bad not happening or something bad happens, but with lower negative consequences. And so there's a desperate need for action. A large percentage of the global population needs resilience and adaptation strategies more than they need mitigation. And unfortunately that part of the population doesn't have money and influence that typically influences urgent action. And so what do we need to do to address this? We need to focus holistically on vulnerabilities and opportunities around personas that are huge portions of the population.  We also need to take big innovation risks. We can't wait for solutions to emerge with the potential to scale or with enterprises that fit the typical risk profile of what venture capitalists or most impact investors fund because we will miss opportunities for major impact. And we need new financing models that are flexible and really, really patient. It's not enough that we fund later stage businesses and large-scale mitigation projects. Adaptation and resilience solutions and businesses take time, a lot of time. So as a first approach to tackle this at BFA, we are designing a program that combines a climate solution R&D lab with an accelerator for existing early stage resilience and adaptation startups. And right now what we're looking for is funders who understand the urgency of this problem to join us as well as innovators who can develop solutions that meet the needs of farmer and fisher communities in Africa. I'm really thankful for this opportunity. I'm happy to pass it on to the next two amazing presenters. We have served todaymakers of Abilobi who will speak to us a little bit about the innovator perspective and working with fishing communities. And then Karina Wong of Small Foundation who will bring the investor and Agri perspectives. Before I go, I just wanted to let you know that we will be hosting a SoCAP Next session December 9th from 8 to 9 a.m. Pacific Standard Time where we're going to focus on how the private sector can address resilience and adaptation vulnerabilities of these two populations, farmers and fishers. So with that, I will stop sharing my screen. Let's see if I can stop that and pass it over to you, Serge. One sec. Okay. You should be able to... Oh, you're on mute, I think. Serge. All right, give me a signal when you can see my screen, my presentation. Great stuff. Okay, good evening from Cape Town, South Africa. I'm Serge Raymakers and I run an organization called Abilobi, meaning Fisher in the Izikosa language. Picking up on Jacob's introduction, I'm going to dive into the fishery sector, specifically small-scale fisheries and propose an innovative and intersectional approach to building climate resilience among underserved communities using technology. With the take home being that in building climate resilience, there should be greater emphasis on social resilience, particularly in continents such as Africa. And communities were disproportionately affected by climate change rather than merely short-term mitigations, climate-proofing infrastructure, or the purely environmental that we so often see. There's a lot of hype around the concept of the blue card. It's considered the seventh largest sector, worth about $2.5 trillion, and fisheries play a critical role. Delving into fisheries, it's estimated that the largest component of the global catch originates from small-scale fisheries, most of which are informal. 60 million people are involved and many more when we look at pre- and post-harvest activities, up to 800 million. These fisheries are a major contributor to food and livelihoods. Yet, many small-scale fishers are left out of sustainable development initiatives and are most severely and disproportionately affected by climate change impacts, both ecologically and socially.  Most research and models are lagging behind work in the terrestrial sector. Yet, we know more about severe storms, their impact on coastal habitats. We know about the rising sea level. We know about temperature increases and their effect on ocean acidity and coral reefs. But we are only now starting to see in research effects on species, species migration and ecosystem shifts. Importantly, there's a paucity of data concerning smaller shifts at coastal fishery level, which is critical given the contribution of small-scale fishers discussed on the previous slides. So in the absence of data and targeted adaptation strategies, we need to experiment with practical, tangible solutions that make sense for small-scale fishers and that build both resilience and adaptive capacity, cute technology. What you see here is an affordable safety at sea device that can be deployed and maintained at community level with a local community emergency response. With increasingly unpredictable seas, these systems can and do save lives, particularly in remote areas. But these systems also have a secondary less expected benefit that allows us to collect valuable traceability and climate change data at ground level. The program we run and there are a few others use simple digital technologies to self-empower fisher women and men to enhance safety at sea as a direct climate change adaptation measure, but also to distract supply chains and connect directly with end markets. Again, these systems allow valuable data collection in the first mile of these value chains at that coastal fishery level. These data are put together and coupled with the fishers' personal narratives and anecdotal accounts of their coastal fisheries and environments as well as changes within these environments is what we term fish with a digital story or simply fish with a story. Traceability, story seafood, in combination with digital transactions and opportunity for financial services, offer these same fishers the opportunity to diversify their market channels for a variety of species or spreading effort across the ecosystem, if you will, and build their community enterprises that can absorb shocks and environmental changes. This innovative and intersectional approach offers a different layer of resolution to climate change data and also taps in the notion of inclusion, both financial and technological, which seeks to social resilience and adaptation. Through the implementation of accessible, affordable, and straightforward but connected tools, we have the opportunity to self-empower the underserved. While we certainly need to think big, we've got to start small and local, explore the environmental and social intersects, experiment and build in a participatory manner and from the ground up. Thank you very much. Thanks, Serge. Maybe before we move on, I can try to ask a couple of questions. One thing that comes to mind to me is you talk about the opportunities that digital technologies open up for fishers. Do you encounter or could you describe some of the constraints or gaps that you typically face in either the technical capacity of small-scale fishing and fishers or uptake of technology in these communities? How do you typically approach thinking about this? Obviously, there's the general challenge of digital literacy and access to smartphone technology or opportunity to be able to purchase data for a smartphone, but there are ways to navigate around that. What we'd find the most effective to gain traction and build in the co-design, in the co-creation of the user interface, what are indicators and why we're collecting this and who earns the data? Who earns the data and how is that data shared in a digital supply chain to access whether it's various financial services, the market, but of course diving again into that data to better understand environmental changes. Great. Thanks so much. I have one other follow-up question, if that's okay. One of the things that I find interesting is that you're designing solutions for this population that's underserved, but you're also a startup.  I was curious if you could maybe share some thoughts on what is it really like trying to design products and delivery and chasing product market fit in a situation where you do have these risks. You have the things that you're trying to address with your product offering related to livelihoods and financial services, but then also these external climate related risks. Where do you even start? What do you start with? Look, there's a long answer to this. The short one is that fisheries are extremely complex. This interface of ecological changes, ecological variables, and of course the fishing community and the human dimension to try and come in with a particular product or a particular approach has been very tricky. For us, there's been two things. Again, I'm going to come back to that co-design, but building trust and building relationships and building that groundswell and integrating fisherfolk in organizational structures even has been the only way to really penetrate into this market, if I can say it like that. Then of course, significant runway, significant runway to experiment, to iterate, to plug in various components and build more of a platform or an ecosystem that can touch on various pain points of these same fissures. Just to follow up on that last point, related to runway, that's of course a critical issue when you're trying to move as quickly as you can, you're trying to serve these populations with great products. Are there any nuggets of takeaways or lessons that you've learned in terms of the right mix of capital or the right mix and the profile of investors that you try to look for? What's worked for you guys? Okay, what's worked for us is to approach this very much from a blended finance angle and also from a hybrid structure. We are a startup, we have a social enterprise, we run the technology through the for-profit component, but the for-profit component is completely connected to a non-profit component that is able to raise significant funding for community development, for that groundwork in fishing communities. There's no way we can build that whole incubation program, if I can say it like that, in the cost of sales of our product. Really diving deep and embedding ourselves in these fishing communities through a non-profit arm has been absolutely critical. Great, so thanks so much, Serge. We may come back to you at the end if some questions come in in the chat, but I'll hand it over to Karina Wong, we have a small foundation. Karina, would you like me to share my screen to show your slides? Yeah, sure, I just have the two slides, so that people knew who I am and they can reach me. But hello everyone, my name is Karina Wong, and while Jacob's getting the slides up, because they don't have any content, it's just my name in my email. I wanted to introduce small foundation, so small foundation is a private family foundation based in Ireland, and our goal is to catalyze in congenerating opportunities for the rural poor in sub-Saharan Africa, and we support a lot of initiatives that improve the business ecosystems for rural, what we're calling micro, small, and medium enterprises, MSMEs. And we provide a range of financial instruments from grants to capital investments and for a range of organizations from non-profits to for-profit companies that work with rural MSMEs and provide them with access to finance, technical assistance, and skilled human resources. So we work with everyone from folks like Serge and Ablobi, who are directly working with enterprises, and then folks like BFA and the Catalyst Fund, who are kind of accelerators and intermediaries in supporting the whole ecosystem. And I'll talk a little bit about what we're seeing in the market and kind of as a funder, what do we see as a challenge for funding this space, because it is incredibly difficult to fund the space and find the right types of organizations and types of initiatives to fund. And I'll take a step back and talk about why we think it's important for climate, to have climate adaptation for farmers. And the critical thing is that farming is the future for Africa. It is over 70% of Africa's employment. And the majority of the people there are heavily impacted by climate change. They are reliant on rain-fed agriculture. And the extreme kind of climate events that are happening are impacting them more and more. And you have more frequency in those type of extreme climate events happening more and more. And they end up being the least prepared, as Jacob had said, because they're the lowest income. They are the most difficult to reach and often overlooked by more commercial service providers who kind of ignore them because it's not profitable to go that far out into those rural communities. And so for Small Foundation, when we're looking at, well, how do we support these types of farmers? How do you get to them? And the big piece is around building an ecosystem. And I think Serge had mentioned this. I mean, when you're out there for these companies where there's no hold of farmers, there are no services. The ecosystem is so underdeveloped. There are so many pieces that you need to put together in order for things to work and for different things to happen. And what we've observed as a funder is that you need so many different types of capital. And the capital continuum from being a very early startup until you're kind of gross stages and then later maturing stages. And within that, the capital providers are not talking to each other. And so the ones that are going to try to do the early stage capital are not really talking to the ones who have the bigger pools of capital available to do the larger ticket size. So as you go on your journey as an entrepreneur, it becomes incredibly difficult. And so there's, I think, a challenge around who funds what part? Who should be playing what role in that capital continuum? And then there's another piece around, well, who coordinates? How do these capital providers talk to each other and kind of hand off to each other, especially in these very early stages or what we call the valley of death as you're dipping through and kind of, you know, burning through your runway before you get to that next big gap. And I think the reality is when you're looking at farming and fishing in Africa, you have such long time horizons. This is not an overnight kind of J curve. This is going to happen in the two to three year timeframe. You're talking about five, seven, even 10 year timeframes in which you're trying to build an entire ecosystem, build the business, and allow for any businesses to kind of get to that more commercial attractiveness to your bigger players. And I think there's also a challenge around the financial returns. And those kind of early years, you're not going to see much coming back. So for investors, you have to take the view that at least initially your financial returns are not going to be reflective of kind of what you might see in other markets. But that's not to say for Africa, like I think there are incredible amounts of returns you can get if you can stay in there for a little bit longer. And I think what happens is there's a very short term kind of nature in thinking about, well, I need to get my in money in and then my money out. Whereas if you're thinking about farming fisheries, it's a very different time horizon, but also thinking about the financial types of financial returns you're going to get at different timeframes. And Small Foundation has worked with quite a range of organizations. I will give you a few examples from our current portfolio. We're supporting a business in Sierra Leone in Ghana called work that's using regenerative agriculture to work with smaller farmers. We're also working with KFW, the German government, to launch a new fund focused exclusively on social enterprises. So trying to get folks like Serge to that after get their initial seed stage funding, that next valley of death funding that they need to give them a little bit more runway, but that's more entrepreneur friendly. And this is one of the challenges is that oftentimes the instruments aren't appropriate, the timeframes aren't appropriate, and the types of conditions that are put on these entrepreneurs aren't appropriate. So we're looking to drive as much local currency, multi-instrument, multi-round investments into these type of entrepreneurs with an open-ended structure with investors that are a little bit longer term. So hopefully we'll be watching that in Q2 of next year. And then another one is that we work a lot with networks. As I said, ecosystem of farming and fishery, you need a whole range of players from the intermediaries, to the entrepreneurs, to the government, all of these different folks who are working together. So we're working with a network called the Agri-Business Market Agri-Business Markets Ecosystem Alliance. So just a range of stakeholders, investors, TA providers, entrepreneurs who are trying to come together and say, well, how do we make this system work better? So we have quite a range. And I think the slide there just is kind of my provocation that Jacob asked me to put out is, I think what we need in the sector is more people to connect, collaborate, and think long term, kind of going outside of our box and really working with each other to find the solutions that will help folks like Serge really become successful and take off. Thank you so much. That was amazing. A couple of questions and Serge, please jump in if you want to ask questions as well. So one question that comes to mind for me is we've been talking to a decent number of sort of philanthropic sources of capital, impact investors, other investors that sort of look at climate change and or green technology. And I've been trying to get a sense of like, what are some of the challenges that investors might be facing in thinking about pursuing investing in resilience and adaptation in particular. And I mentioned this in my presentation, that sort of skew toward mitigation and things that are a little bit more immediate in terms of the impact and easier to measure. Are there any sort of things that you've been coming across or thinking about that might make it easier for us as an emerging space to communicate, not just the urgency, which I think we've been trying to do here, but also the opportunity in resilience and adaptation. Yeah, any thoughts there? I guess the big one would be that you'd have to target the right type of investor. And what we've seen, it's very hard to convince more commercial investors to take such early stage risks. So you just, the risk appetite question is a huge one. And unless you start moving folks who are willing to have that risk appetite, and it might be bringing in more of this philanthropic and large donor funding, like bilateral donor funding into these spaces, because I think there needs to be a link between that and the commercial piece. There is a connection but I think there's a broken gap in that capital continuum in which you need to make that bridge happen. And so I think finding the right type of capital and talking to the right type of investors is important to start building those bridges. Yeah, so I had a question and maybe this is one of our last ones. It's actually to both of you. What are some of the types of organizations that you think we need to be pulling into this that maybe aren't as present right now, either to scale some of the flexible financing that you're talking about, Karina, or to scale some of the solutions that an enterprise like Abilobi is trying to deploy? So who are we missing from these conversations? I don't think they're necessarily missing. I feel like it's a very fragmented segment at the moment. So people are having conversations over here, they're talking about climate, and then they go, oh, they're talking about climate. If I'm not interested in climate right now, I'm going to just ignore that. And then there's folks who's talking about, oh, well, we need to support early stage businesses. So there's all these different conversations, and I think there's a little bit to be done around connecting the dots of folks who are already in the space because there's a tremendous amount of work being done. So I think for me, it's less about who's missing, but connecting the dots to all of the really incredible work that's already happening on the ground. From my side, Jacob, I mean, I work in fisheries. They're very fishery space, at least from an impact investment space. Most of them are philanthropic foundation, and very often they come from the angle of conservation, looking at ecosystem restoration, habitat preservation, and not looking at more that intersectional environmentalism, where we look at social justice and environmental conservation together through a startup lens. So it does feel a bit lonely. So you just want more, more people looking at fisheries. We'll all come down and visit you in South Africa. Great, we have one other couple of questions here in the chat. So one is from Tracy, who's asking Karina, what are the organizations that are funding small-scale agriculture and fisheries businesses in sub-Saharan Africa, and what's your view of grants versus equity? I think we may be running out of time, but maybe if you have like one, maybe not that one. Yeah, so I couldn't name off the top of my head. There aren't very many. So there are funders, so they're either in the grant camp or for profit kind of more commercial funding, much less. But in terms of grant versus equity, I think there needs to be a combination. Small foundation is very strong believer in commercial capital to help incentivize. Yeah, but yeah, so for us, you need both. But the more that you can dip into the commercial capital earlier, the more pool, the larger pool of capital you can access. Perfect. Thanks everyone. Thank you both, Karina and Sturridge. I really appreciate you taking the time. Hopefully this has been really useful for everyone who's out there and hopefully it's enticed a few people to come and join you working in fisheries and agriculture. Thanks everyone. Thank you. Bye.


Nevertheless, you know feels kind of weird, right? A lot of people are wanting if this is the calm before the proverbial storm joining me now Melissa Arbel from stocks Who's Scott Martin's back with us as well? All right, folks. Here's the one thing We do know you don't have to be a technician to understand this market is in a range It is rings round the great news It's held at the bottom more than once it's held on the tremendous pressure But it's still lurking Melissa above that support area making a lot of people nervous Let's just talk about two scenarios. What if support doesn't hold what if at some point we break through there? I'm okay with that as long as we hold a certain price support Which is not really where people are seeing where that bounce was so for example in the Dow It's really for me a gap down in the pre-market and open under 23,000 and that support is not there That support is actually above that but for me. It's 23,000. Oh, so you're talking about another 1,500 points Yeah, and but I'm not saying that we go there. We're talking worst case But really when you what you said was great as far as we're stuck It's almost like the market feels dead now. We've been talking about this. Are we gonna have a Christmas rally? Here's my take on here's my cloth for the end of the year right now because we're getting into it I believe that the market is going to have a rally in the very tail end of the year And what I how I think this is all gonna play out and it literally could be like Nick rally a father time Scott what do you make of it because you know, we're getting a little bit of nibble here and But you know for me I think the idea that we've held support so many times is a great sign Most of the guests who have come on and say no Charles is just shows that inevitably it's going to fall apart Also far it's been a good sign Charles, but the day is young my friend I mean look it may make a run at 26 30 again today, which is kind of that low You guys just talked about in the S&P that needs to be defended otherwise In Michelle's right whether the in whether the the institutional investors will come in or the retail investors that that's not with standing I guarantee you the machines are in there though ready to hit this thing pretty hard if the S&P tries that level But to the point of you know a rally coming. I do believe there is one, but to you leading off here I mean the cap on the rally is still probably just about 2,800 or so on the S&P which we've seen are the recent highs that the market has trouble getting through Well, what about so but we got through the recent highs You know the series of lower highs that we're in a pretty ugly down channel Does that mean at least we retest the all-time highs Scott? We will probably go near there Charles, but I tell you man feeling this this recent high rejection that we've had in the S&P I don't think we're gonna get there I think it's gonna take some time in the market psychology as you guys have probably spoken to many times in the last couple weeks It's not good. I mean, it's not that it's terrible It's just that these high levels whenever the market gets a nice rally behind it whether it's one two or three days as we Seen recently there is a lot of selling pressure that's coming in and I don't think that's gonna wane anytime soon Yeah, but it's the rates because no one has any reason to go back in along the market right now until these things get resolved with the China and the tariffs Professional investors out there many of them The overwhelming majority of them barely beat the market So when there's a chance to buy stocks that are obviously oversold for you know for things that are going to ultimately be resolved Don't you have somebody or some smart money making a move here and there? No, that's what that's why we're basing out here if the smart money was coming in we'd be back up already at the high So as I was saying earlier really quickly I believe that we have a rally into the tail end of the year and it could take us into the first part of January February maybe March where we make new highs early Names what lead is there we got it we got to have Amazon Amazon actually looks the best of the worst in that in That sector right now I would say and Amazon already like a whole lot of other stocks have lowered their expectations point Charles Apple how about Apple guys Apple the bell weather for the stock market for so long needs to start recovering here interesting today Best buy is down because of sluggish iPhone sales, but Apple has been up all day Maybe all the bad news is baked into the Adobe folks reports after the bell Liz Klamin


Happy holidays everyone and welcome to my 2021 holiday gift guide.  Welcome. I am so excited to bring you these 12 different suggestions from me, an avid sewist, someone who sews all the time. Whether you are a sewist yourself who is shopping for yourself, no judgment. I would do the same exact thing. You can't, what is this saying? Like you can't do it right unless you do it yourself. Same goes for a holiday shopping list or you're someone else who's been given this video sent via text or email saying give me something off of this list. I am so happy to have you. If you are new here, please be sure to subscribe, click the bell if you want to get notifications like this video. Whenever you like a video, YouTube starts passing it around a lot more and that way more people can see the gift guide. Also, leave a comment in the comment section below introducing yourself. I love getting to know you guys better and that's really the best way to do it. So all of these products are available now. Most of them are available only online. I will have links in the description box for every single product that I mentioned today. It's going to be the best way for you to get directly to the product and not have to do any searching or looking around a bunch. It'll take you directly there. If there is a coupon code that is attached, then I will have the coupon codes in the description box as well and I will put a little banner across the bottom of the screen here telling you what the coupon code is. But without further ado, let's do it. Biscuits ready. All right. Our very first item is the Codes and Clark Dual Duty All Purpose Thread Gift Set. How stinkin' adorable is this?  So if you want to wrap it with this on there, that's fine. If not, you get this really beautiful wooden box that all of the threads come in. There's a little latch here and it lifts right up to reveal 32 different colors of their all-purpose thread. This is the rainbow collection. You can see you get a variety of colors. Even these neon ones might be so many that you think, I don't ever sew anything with that color, but I can't tell you how many times I've just gotten a fabric and didn't really think about the thread matching at all and was so happy to have a gift set like this where I had threads that I wouldn't normally pick the colors myself because then you have the perfect match. You don't have to run to the store. And if you're not familiar with Codes and Clark's Dual Duty All Purpose Thread, it is a superior quality all-purpose thread. They have this like core spun technology where they have this like strong core and then polyester is wrapped around the outside of that. So it creates like a really strong thread that's also really smooth. So it's great for garments, great for crafts, quilting. Really it genuinely is a wonderful all-purpose thread. So check the description box, link to this exact gift set. They're only selling it online. You will not find it in stores anywhere. All right. Next up, who recognizes this little box here? I'm also showing you how they are shipped so you can determine whether you need a gift bag or wrapping paper or however you want to present it to the recipient. But this is the Cotton Cuts Modern Maker Fabric Subscription Box. And if you've been a long time follower of this channel, then you might remember Cotton Cuts from a few years ago. We did some videos together. Gosh, back when I lived in Charleston. So several years ago. But this box is the Modern Maker Box. It is perfect for artisans looking to make larger projects such as apparel and accessories. The fabrics are always from the same collection each month. Perfect for creating a cohesive project. Each box also includes a digital pattern download, a spool of thread, a signature pencil, and a color challenge card. Now this is the most recent Modern Maker box. And they're 100% cotton. All of these are quilter weight cotton fabrics. And what I use these for and have found, well, endless uses. But mostly like when I'm doing like a bag lining or pocket lining or a facing where I need a cotton, I am reaching for these like one off cuts all the time. Cotton Cuts also has eight other subscription boxes. They really have something for everyone. They have a batik subscription box. They have one just for thread. And then they also have a like puzzle mystery quilt. And the signups for that start on December the third. There are 5000 people from all over the world who participate in this program. Everything is pre cut for you. So all you have to do is sew. So for those of us that are garment sewists and the idea of making like a half square triangle just like makes you want to pull your hair out. This is perfect for you because everything's already cut.  So cotton cuts is offering a 10% off your first month subscription of any box on their site. They normally do not offer discounts on the smaller boxes. But for this gift guide, they're offering the discount on every single subscription box 10% off your first month. The code is inside the hand. All right. Next up we have my beloved ditto form. The ditto form is exactly what it sounds like. It is an exact replica of your body made into a dress form because it is an exact replica of your body. It's not just your horizontal measurements. We talk about this a lot in fitting. Horizontal measurements are important, but so are length measurements. So are shoulder slope. You have one shoulder higher than the other. One breast larger than the other.  They have been making continued improvements to the ditto form over the years. The latest one is instead of this gray fabric that you see here that's a little bit like a stretch jersey that can be a little bit sticky whenever you're putting fabric to fabric.  They have also had a lot of success with making alterations to the ditto form. They can either meet up with you to make those alterations, do a video call to show you how to do it yourself. And then thirdly, they are looking at expanding some of the ways that they do scans. Right now Carol, the owner drives around the country and scans everyone herself. Obviously that's not scalable and poor Carol probably needs a break. So they're looking at trying to do it offsite at some remote locations. So follow them on social media if you want updated information on that. But I swear to you, I got this ditto form a year and a half ago maybe and I haven't looked back. It is it's an investment but it is like I would never so without it now. So love, love, love my ditto form. Okay, next up we've got another subscription box and this subscription is for the garment sewer in every which way. So you could obviously put this under the tree as is, wrap it, put it in a bag. Really, really cute.  Here's your pattern pieces.   So it's a great way for you to discover new pattern designers, try out their patterns, obviously get fabric that you don't have access to otherwise. There are video sewing tutorials for every single project. So every month there's a sew-along for whatever the project is that was sent to you. There is a sew-along for you. So if you're someone who likes to work on projects where you know you're going to get a lot of assistance and hand-holding, just get the indie stitch box. They're taking all literally all the work out of it for you. They send you absolutely everything you need to make it. You just got to turn on your sewing machine, follow the video tutorials, you know, work on the little project card and slowly, but surely you'll have at least one project every single month. As a member, you also get a say in which type of fabric you want. There's a choice between solids, prints, neutral colors or more fun colors. So if you're seeing this and you're like, I would never make a shacket out of that black and white. Just know that as a member you get a say in which fabric is sent to you. So, so indie stitch is offering a coupon to all of the gift guide watchers. It is inside the Hymn 50 and that'll get you 50% off your first box on a six or 12 month subscription and you'll also get a free J. Lee pattern. Yollie, Jolly, oh it's French, I'm so bad at that name. You get a free pattern from them as just like a bonus pattern as well. So check the description box for the link. Don't forget your coupon code. All right, so if you love SewTube, I'm trying to make that a thing, then you know who Jennifer Stern is. She is J. Stern Designs here on YouTube and socials and all that kind of stuff and she is a fitting master. Her patterns are really great, a little bit basic, but she is going, you are going to get a pattern that fits when it is done. Well, she put together an exclusive bundle just for the gift guide. How cool is that? You are going to get the easy fit and sew yoga pants. You are going to get the happy hiking belt and you are also going to get two yards of black performance knit that's perfect for both of those patterns. A yard of cutting sew elastic and bonus video tutorials to help you sew the yoga pants and the belt. Here's the elastic. It's got a nice like soft hand to it. None of that like hard elastic.  And then the fabric is, oh yeah, really nice. It is the, you know, athletic legging knit of your dreams really. It's not one of those that's like super shiny and like slick, but it's not super tacky either. It's like somewhere in the middle. It's going to make beautiful yoga pants. Right? Look at the stretch and recovery, stretch and recovery. So nice. Here it is along the selvage, stretch and recovery. Really good, right? Lots of tutorials for how to pick out a size and adjust the pattern pieces, how to lay out your fabric and cut it, how to sew the pants, how to make a custom waistband, how to hem the yoga pants with a twin needle, and adjust the yoga pants for maternity even. So it's basically like a sew along for the yoga pants. And then for the happy hiking belt, there's just step by step instructions to sew the belt. All of those things individually, if you bought them on their own would total $54.99, but Jennifer is offering a little sale price or a bundle price of $39.99 for the whole bundle. So you get a $15 savings by buying it as a bundle rather than each individual piece. There's no coupon necessary, but there is a like exclusive link. Because this isn't really available anywhere yet, other than here, the link down below is the only place where you can access this product on her site. I just love that so much. So check the description box, get the link. The discounted price, the $15 off is already applied. Okay, so our next product, I'm a little bit like remiss that I have not been able to talk about it on the channel a lot so far. But so this is the iron that you guys see me working with all the time where the feet lift and lower, but it has a lot of improvements. So first of all, if we're going to talk about the little sole plate here, they now have something called diamond ceramic flow. Think about your pots and pans in the kitchen and how they have that like nonstick coating. This has something similar to that to where if you are sewing with iron on interfacing and you get those little glue bits on there and then they kind of like burn and create this like brown streaks on your plate. This is supposed to prevent that because all of it is kind of like nonstick and all that glue is supposed to just wipe right off. It's also going to get even hotter. If you want it to there is options where you can set the heat. More even distribution. These are all things that were with the original TG 1600 as well similar to the steam distribution as well. Lots of steam, lots of little holes for the steam, super hot steam, like it's just really, really great for garments in that regard. They also made some improvements to the sensitivity of the handle that lifts and lowers. I think like before it was maybe a little bit too trigger happy. What did the kids say that girl bossed a little too close to the sun? This one's a little less sensitive to where like if you're just moving it you know the feet don't move but if you put your hand on it firmly it will move each and every time. It comes in four colors yellow pink orchid which is like a purple and turquoise. The yellow and pink are in pre-order right now. The turquoise and orchid have limited supply. You can order them from the website and they will ship immediately but it is limited supply. So if you want to make sure you get this before the holidays go ahead and order right away. All of the irons are already marked down by $40. There's a $40 savings on their website right now and anything over $50 on their site ships for free. So if you've been wanting an Aliso iron this is the latest and greatest version of the iron at a discounted rate available now with free shipping. Like what are you waiting for? You have to get the iron right away. Check the link in the description box. It'll take you straight to the smart iron page on their website where you can either purchase now your turquoise or orchid or pre-order your yellow and pink. Okay so what is a sewing gift guide without sewing patterns? So our next product is the Seamwork Magazine pattern subscription for lack of a better term. Seamwork is a monthly magazine that comes with two patterns in each magazine that you can download on the first of the month. So again if you like tutorials, if you like getting help with your projects, Seamwork is going to be able to provide that for you for their patterns. Seamwork members get access to Design Your Wardrobe which is a three-week class to help you plan to sew clothes that you love to wear. So if you are coming out of the pandemic and looking at your style, looking at your wardrobe and just feeling a little bit unhappy about it, join this course and then sew for the rest of the year knowing that everything you make is very intentional for your lifestyle, for your personal style, for your closet. Seamwork just launched a new class called How to Fit with Confidence along with a free downloadable fitting journal. It's an empowering process to fit your handmade wardrobe to your body. Members get access to the class and to the community where they can post pictures of their muslins to get fitting advice. I have personally made a ton of Seamwork patterns. I love that you get two every month and they hit you right the first of the month whenever you're like really feeling like okay what am I going to get done this month? You know what I mean? They're really cute. They have a variety of styles and I feel like they really appeal to lots of different lifestyles. They also have standard and curvy sizing so very inclusive in that regard and just lots of helpful information to complete a garment that you were going to love. This holiday season Seamwork is offering 50% off all unlimited memberships as well as all gift memberships. There's no code needed. The sale will run through Christmas and you will keep that price so long as you keep renewing like as long as you have your subscription you will keep that 50% off price. Already discounted on the website when you go to join so click the link in the description box to access that and then if you're interested in the other two services that they are offering those two links will be there as well. This would not be an inside the hem holiday gift guide if I did not include one of my favorite favorite small business shops like ever. This is Stitch Buzz. You guys have probably seen me use these rulers a thousand times. I talk about them a lot as well and they are just wonderful. The exact product that I am recommending for the gift guide is actually a set of two of these this larger one and then also a smaller one but they offer the same features so each of the rulers is five eighths of an inch wide so if you need to add five eighths of an inch seam allowance like mark your seam allowances on a pattern that already has seam allowances this makes such quick work of that.  This green color although you know not necessarily my aesthetic does make it super super simple to see the pattern through the ruler and see the markings on the ruler even though there's paper underneath it. If you have a clear ruler sometimes it can be hard to differentiate the markings on the ruler and the markings on the pattern so because this is green it stands out really well from your pattern pieces it makes it very easy to you know notate whatever markings you need and because it is a pattern drafting ruler it has all the curvatures that you need for like arm size necklines hip lines you know all of that kind of stuff. These pattern drafting rulers the green rulers specifically are kind of what she built her business around she had this idea first and then anything else that she came out with after that was because of the success of these so I just love that story so much I love that she had an idea and she just went with it and that the idea is really good like it's a really really good idea so if you're going to be focusing on fitting in the new year um get these pattern drafting rulers you are absolutely going to love them. Stitch Buzz has and will continue to have a coupon code for 20 off the entire store just for my followers the coupon code is inside the hem to zero the link that's in the description box already has the coupon code applied so you click that link it'll take you to her site and everything in the store will already be marked down the 20 so you don't have to worry about remembering the code but if you ever want to come back and you can't find this video you can't find the link whatever it is you can always use inside the hem to zero on her site till the end of time and save 20 on all of her rulers she has a lot of really great products so go check them out okay so let's talk about sublime graphics who is next on the list sublime graphics is a pdf printer that will print all of your indie sewing patterns they have tissue paper tracing paper and copy shop paper so no matter what project you're working on what kind of fabric you're working with they have a paper that is perfect for that project they also have sublime graphics also has proprietary magical software where if you send them the print at home file right all the eight and a half by 11 sheets that you're supposed to tape together they can digitally tape those together for you so they put it into their little magical machine and it's it's out a file um where they're able to print those all on one sheet no more tape no more creases no more um like weird puckering no more ripping like no more like messing up from all of that taping that you have to do i have a myriad of videos talking about all the benefits of using them as a pdf printer using pdf printers in general instead of taping it together um so if you want you can go search my youtube channel for any of that information but they really are just like a lifesaver for me because i don't find enjoyment in taping together the pattern pieces i'm not good at it also i don't want to spend time doing that when i could be doing something else that i really enjoy so i don't i send it off and i have someone take care of it for me um but yeah they just have a great little service really quick turnaround um a little bit of planning is necessary because you know you are sending it off to someone else and it is going to take a little bit of time but i just use that time to find the fabric gather my notions i put all the little basket and when the pattern arrives i am ready to get going ready to start cutting and it just takes all of the frustration and annoyance of indie patterns away for me and i enjoy sewing them so much more now so check the description box i'll have a link to some live graphics they do spell their name a little bit funky so be sure to check the description box and grab the link from there the next product i have for you guys actually comes to us from heat and bond and it is their pattern and stencil spray adhesive so think about a very temporary very lightweight kind of tacky spray that you use to um keep your pattern pieces attached to your fabric while you are cutting them out which means are you ready for me to blow your mind no more pinning so if you have arthritis if you have issues where pinning is just like not your jam maybe you're just not that good at it maybe it's hard to do for you for whatever reason you are going to love love love this stuff another brilliant news for this stuff is that you can use it to kind of temporarily adhere rulers so you can keep a straight line you can keep the ruler markings um straight and you don't have to worry about your ruler shifting on you so smart so the pattern and stencil adhesive is repositionable reusable like once you spray it on a pattern piece once you can use it again it kind of turns it into like a post-it note if like i can make some kind of analogy but it also does not leave a residue on fabrics obviously your patterns will be a little bit tacky but you can just leave them um on like wax paper or parchment paper and then roll them up that way and that'll also keep them nice and flat and organized as well it comes in kind of like an aerosol type of can so to really help you control the evenness of the spray and get like a nice light tacky even layer across your pattern pieces so if you want to try something really fun um if you want to just quit pinning like who doesn't want to quit pinning pattern pieces to fabric if like rotary cutters are not your jam so you have to use pins maybe try this out and that way you can still use your scissors but don't have to worry about all of the pinning also might be a great thing for children if you're trying to get your kids to sew you don't want them to be using pins because they might poke themselves in regular places but also scary places um maybe this would work to help them learn how to sew as well so so many great applications of this stuff uh check the description box for the link to that okay next up has you guys can tell the sun is slowly making its way over to me um next up we have thimbles for you and I have just loved sharing um this woman-owned craftsman product with you guys all year long so Jan is a silversmith by trade and she makes these custom beautiful beautiful thimbles I've talked to you all year long about different types of thimbles how to make sure your thimble fits why having just a five dollar thimble from the craft store is not good and that might be why you think you don't enjoy hand sewing I've talked to you guys about that a lot so in the gift guide this year I knew I wanted to include one of her thimbles and I thought the best one to do would be heart tailor's thimble so these thimbles are like rings um and they were developed by tatlers uh way way way back in the day um they used to like just wrap oh gosh what was it like little pieces of fabric or something around their fingers like hundreds of times in order to make something like strong enough word for them to use the needles and so then this type of needle was developed and made out of materials that are like hard and basically indestructible but as with all of Jan's thimbles these are just as beautiful as the clothes fingered thimbles are as well um she's got ones with butterflies and flowers and other insects and which is really really beautiful they are heirloom pieces they are things that you are going to put in your sewing box that gets passed down to your daughter your granddaughter their daughter so on and so forth it's one of those things that's going to be in your family for a very very long time they are really really special but in addition to that they also work really well and they are custom fitted to your finger um and it really really makes a big difference whenever you're doing hand sewing so whether you are somebody that's really into like couture and tailoring or if you're doing like bindings on quilts or whatever it is having a great um thimble that works for you works for your style of hand sewing and fits are like the three main components and Jan can help you with all of that you were going to love love love having one of her thimbles all right our pen ultimate item on this gift guide is the vogue swatch catalog this was a part of last year's gift guide you guys flipped for it and i totally see why hopefully all of you that got swatch catalog um memberships last year are renewing for this year but basically vogue sends out six swatch catalogs every single year as part of their membership in the catalog are actual swatches of fabric their content the price um some of them are matched up with patterns and each one kind of has a similar type of theme usually based around the season that is approaching so if you don't like shopping online because you cannot feel fabric you cannot get a good understanding of the weight or the color or whatever it is this is the way to shop online for you you get the swatch catalog delivered to you you look through all the swatches you feel them you touch them you decide which ones you want and then for a limited amount of time only swatch catalog members can purchase that fabric a lot of times they sell it out and it never ends up making it on to their regular website but it's available to you first as a um catalog subscriber um so you get first steps on all the fabrics that are in the catalog themselves the prices are really really great the variety is awesome i there's not i mean there's you just need one of these i don't know i don't know what else to say it to you in this world where like going out to a store is difficult or scary or you know any of these other adjectives having swatches sent to you picked out by someone who knows what they're doing matched with patterns from you know time to time um it's just a no-brainer it is just a no-brainer so check out vogue catalogs or vogue swatch catalog link in the description box for you there you won't regret it it's awesome the very last thing that we are going to talk about today as i am literally losing losing light here is my brand new garment sewing basics video tutorial guide it's a lot of words i know the fact that i have something to include in my very own gift guide is just kind of crazy but i spent the past few months um developing filming editing producing all of these video tutorials for very specific garment sewing skills so that i could create kind of like a course for you guys where you would be able to have access to all these video tutorials that you can watch once a million times and forever i partnered up with a company called retrieve because their product to me was provided the best way for my tutorials and you guys is learning style to kind of work together so when you watch my tutorials you will find that they are video tutorials but every single thing is also transcribed you can read through it you can skim it you can read every single word um if you get to a part where you're like not understanding the verbiage you can click on that part and the video will go exactly to where i'm saying those words so if you're like yeah yeah yeah i get all that i get all that i need like the more complicated part or the part toward the end or whatever it is you can just scroll down to that part in the transcript click on it and the video will take you there it's also available in multiple languages so if english is not your native language you can also get it in spanish and french let me know if you want other languages we can add them there as well and then the videos are also or the whole guide is also searchable so if you come to a part of a sewing pattern that says something about basting i don't know um and you're like basting what's that you can type in baste search and it'll pull up every single instance that i mentioned the word baste so there are 12 different tutorials in the guide everything from pleats darts gathers um belts and strapping set in sleeves you will be able to sew a garment from start to finish with these tutorials um with no problem you will be able to ace every single step of the garment with the tutorials that i have provided in this guide so i am giving a 40 off coupon the code is called black friday and you guessed it it runs through cyber monday and then expires so check the link in the description box use code black friday to get my garment sewing basics video tutorial guide um i hope you guys like it and are as excited about it as i am and with that said in the sunlight i will tell you that that concludes the 2021 holiday gift guide you guys happy holidays i hope that whether it's one of these tangible products or something that just fills your soul with happiness and joy that this season is the best one yet for you i genuinely genuinely hope that for you um but if you happen to get one of these products too i mean just bonus right come back after the holidays and let me know what you've got if you just shopped for yourself let me know what you've got at the end of the weekend um yeah that's gonna do it you guys thanks so much for watching bye