Hey Survivors, please like, comment, share and subscribe. Click the bell icon to receive notifications for my future videos. If you would like to donate, my PayPal link is in the video description. Coaching Inquiries, you can email me at Narcifercoaching at gmail.com. Narcists do not build, they destroy. There is something all Narcists commonly experience and that is their hatred towards their victims. They attach themselves to you under the disguise of wanting to build something with you. They make you believe as though they have something of value or significance to offer you. Or as though they want to construct something meaningful with you. But their true purpose behind these behaviours isn't to build anything with you. Narcists do not build, they destroy. They recognise that you have built something of value or significance. That's what attracted them to you. But their purpose behind making you believe they have something of value or significance to offer you isn't to build anything with you. Their true purpose behind these behaviours is to destroy you and everything that you have created. The Narcists might recognise that you possess something of value or significance. But they do not appreciate it. They do not understand the trials and tribulations that it took for you to establish something of value or significance. They do not consider the test of your patience or endurance. The difficult experiences and problems that you had to go through to establish something of value or significance. They do not understand or consider any of this. All they see is the finished product, which means they can never appreciate what you have established or developed. By default, they can only take you and everything you have created for granted. They cannot recognise the true value or significance of what you possess or have to offer. They cannot appreciate you or express their gratitude. Yet they still stay with you and even if you try to leave, they will return to the love bombing just to make you believe that they do want to build something meaningful with you. The truth is they don't really want you. How could they want you when they can't even appreciate something of value? For them to do that, they would have to have experienced the trials and tribulations of establishing or developing something. They would have to earn something of value first before they could truly appreciate it. They might have given you the illusion in the beginning, as though they were earning everything they were getting from you, but none of that was real. It was a simulation of love, a simulation of value. None of that came from a person who was genuinely interested in you as a person, beneath the superficial level. So as always, they extracted something of value from you without ever putting the work in, which means they could never truly appreciate you. Most often they're only sticking around, not because they want you, but because they don't want to see anyone else with you. They don't want to see anyone else with you because deep down they know that you are something great. They see you as something great and they know that everyone else sees you in this way, but they never appreciated you. They took you for granted. If they saw someone else with you, it would cause them a great deal of pain or emotional distress, because while they know that they couldn't appreciate you, they know that someone else will. They know that someone else will get the fulfillment that they could never get from you. They don't want to see that happen, because then it reflects on how maybe there's something wrong with them. The game is to make you believe that there's something wrong with you, when in reality they could never appreciate you. They only took you for granted. Everything the narcissist does in the relationship proves that they do not want you. They just don't want to see anyone else with you. When they first met you, they played a role as though they wanted to build something meaningful with you, but they are actually misleading you. They are intentionally leading you away from the correct path or direction. They know that they are trying to destroy you, but they try to disguise it as though they are trying to build something meaningful with you. They will make you believe that they are something beneficial or favorable to you, but they are actually leading you or intentionally guiding you down the wrong path. They already know that they're not good for you. You don't realize this, because they play the role of being someone who is going to be beneficial or favorable to you. They use future faking. They promise you something they don't have, so they can get what they want from you in the present moment, so that they can have the benefit of having something valuable or significant before they have the ability to give you what they are promising. They will use fake empathy or compassion to make you believe as though they care or they have your best interest in mind. It's designed to make you believe that they do appreciate you and you are something valuable or significant to them. It temporarily validates you and stops you from questioning them or thinking about leaving, but they can never fully validate you. If they were to validate you, you would then realize that you're more beneficial or favorable to them than they ever were to you.  It makes you feel as though something is wrong with you and you need to work on something before you are worthy or deserving of what they have to give to you. You will never please the narcissist. They can never be satisfied. Nothing is ever enough for them and they don't have anything to give to you anyway. The best you will ever get from me narcissist is an illusion.  A fantasy or dream that will never materialize when a person wants to build something with you. They will bring the tools or materials that are required to construct whatever you are trying to build. They will not pull it apart or try to tear it down. One of the main reasons these narcissists are even around you is to sabotage your efforts and destroy everything that you have built. They know that if they do not intervene you would have the capacity to develop or establish something of value. They often know your potential better than you do. You have to stop expecting the narcissist to validate your significance or importance. They're not going to validate you because then you would realize how much of a better person you are than them. If they don't validate you it keeps you wondering or questioning your worth. They invalidate you to make you believe that you have something to prove to them or you have something to work on before you can be worthy or deserving of what they have to offer you. They can never be satisfied and they have nothing to give to you. Forget about their validation. It is irrelevant and it is not going to help you. I have done a video named don't seek validation from a narcissist. It explains the reasons why you are wasting your time seeking validation from them. Focus on validating yourself. I have also done a video on self-validation. Check it out. I believe it will help you to accept your thoughts and feelings and manage them more effectively. Thank you for watching. I hope this video resonated with you. Please like, comment, share and subscribe. Click the bell icon to receive notifications for my future videos. We have a private Reddit community where survivors and frivers can share their experiences and knowledge. If you are interested in being a part of this community, you can sign up for our Patreon page. The link is in the video description. Check out the Narcissive Immersion Dice Store where you can purchase your own Narcissive T-shirt or mug. We have a variety of designs and it is a great way to support the channel. The link to our Narcissive Immersion Dice Store is in the video description. Thank you for watching and I will talk to you soon.


Appalachian Wireless is Appalachian Advantage. Unlimited text talk and two gigs of data for as low as $45 a month. Or if you like, get 5 lines on 8 gigs of data for just $145 a month. Seastore for details. Better service. Bigger savings. That's today's Appalachian Wireless and East Kentucky Network Company. The City of Pikeville officially welcomes Silverliner truck manufacturers as the very first tenant of the Kentucky Enterprise Industrial Park. The city broke ground on a speculative building back in the summer and even before the first bit of dirt has been turned on the construction of the building, Silverliner has committed to populating it. The company will manufacture tanker trucks for a variety of uses. Silverliner CEO Chris Tomlinson, a Floyd County native, said he's excited to bring his business back home. I am committed to not only making Silverliner a success, but also committed to assisting in the future growth and development of Pikeville in Eastern Kentucky. With a percentage of the profits from Silverliner to be paid back to the City of Pikeville for economic growth without which I would like to challenge any and all companies that come here please do the same. The faith that the city and our local government and our Congressman Rogers has put into me is absolutely overwhelming and I couldn't imagine being anywhere else in the world other than right here in my home in Eastern Kentucky. Silverliner is expected to bring approximately 50 jobs initially and up to 300 jobs within five years. Congressman Hal Rogers praised the efforts to bring a tenant like Silverliner to the industrial park. You're fun to work with because you see a project and you go after it and you zero in on it as a team, a community wide, area wide, federal state, local team, and you make it happen. And that's what I like to see and that's the kind of people I like to work with. Rogers previously helped secure abandoned mine lands funds for economic development projects, projects like the Kentucky Enterprise Industrial Park. He said he hopes Pikeville will become a model for what those funds can do. So I want to see more like this. We've got another 30 million coming to Kentucky next year of those types of grants whose money will be used to do things like this throughout Eastern Kentucky. Also at the ceremony, Kentucky Power presented the city with a ceremonial check for an economic development grant that will be used for geotechnical work at the industrial park. Pikeville City Manager Phillip Ellswick said the grant funds will be used to aid in construction at the park and could make it easier to recruit businesses to the site. If you build a building just on the ground as it is, you could have differential settlement or things of that nature. So this testing is important to tell you what you need to do to your foundation to protect your building. Ellswick said the city has several prospective candidates for who could be the next tenant at the Kentucky Enterprise Industrial Park. Chris Anderson, EKB News.


ac yn unigolion i'r rheswpeth i'r ysgolwyr cymrydau cyffredigolr. Felly mae'n gweld i ddweud ydym yn ymwneud yn gweithio nhw'n ddangos yng Nghymru ar y 5th i'r 10th. Felly mae'n gweld i'r Pickland, i'r Dauriata, i'r 8th, i'r 9th i'r 10th, i'r 11th. mae'n ddweud cyfnod y Gŵr alba ac mae'r sefydliad yn cael ei ddaeth yn gallu'r gweithio yn orgynnyddiad.  Felly, y ddadl yng Nghaer scientistol yn ei wneud, mae'n gwybod i'r ffyrdd yng nghymru yn ymddangosol, a'r ffordd ydw i'r blwaith yn yr archaeologi i'r ddaeth yn y bwysigol, i'n adnodd yn ddodd yn ymddangosol i ffyrdd y ffordd. Felly, rwy'n cydweithio i'r gwirio arall yn Yrlen ac yn Scotland, today I just want to talk to you about two I was going to talk to you about free sites but I think it might be a bit mind boggling and overwhelming if I if I do too much so I'm going to talk to you about the sites of roads so far and that's Iona, and Reini so to begin with Reini the Reini is located on the east coast it was part of Pipland it's surrounded by archeological sites ranging from the o ganrhyw y bwynt yw'r hwn. Rwyf techydig llawer o rhanag, rhaid o bwnt, rhaid o meddwl a hwn yn y croti mawr, o'u adigrwydd i'ch trefwyr. private flat, esoien, yw fy nifer, ergoed gyda Gordon. Felly, mae'r cyfnodd yn rhine, i ddyn nhw'n gwneud yn iawn. Rwy'n ddiddorol eich cyfan o'r cyffredin iawn, yr eistaf iddynt ymgobl osaddegol, gyda'r cyfnod cyfnod yn ysgol. Ond, mae'r barflath a'r cair mor eich cyfnodau yn ymgyrch yn ysgol yn ysgol yn y 4th ysgol, ond mae'r cyfnod yn ymgyrch yn y 6th ysgol. Felly, yw'r cyfeirio cyfnod ymgyrch yn ymgyrch ymgyrch yn ymgyrch, ymgyrch yn ymgyrch yn ymgyrch ymgyrch yn yr ysgol, ond mae'r unif erioeddfe records ddiwedd y cyfle a chaf amserîl kylla yn ei cyfnod y cyfle, ond, mae gyda cael bod ei fynd mwyno. Yn ein byriliad iaol sy'n mynd ym d Tek円. Felly, mae'n maslimen ffordd. Fyrdd yr un cyfnod lle f survivio du'r sanearugh deall. Yma provide fyrchaeth redeemau yn cyflCA. Bae dyna cyflanki gyda'r Sgol? ond mae'n gwneud o'r boll yn oed, mae'n Caenypodd, mae'n Algi, mae'n Botrycocos, a rydyn ni wedi'i gweithio'r analysau geochemicol. Mae'r boll, oherwydd mae'n gwneud, mae'n gweithio'r gweithio'n 500 m o'n 500 m o'r gweithio'n gweithio'n gweithio'n gweithio'n gweithio'n gweithio. Dyna, mae'n gweithio'n gwneud o'i gweithio'r gweithio'n gweithio. Mae'n gwneud sydd wedi'u rhaid o'r gweithio'r analysau geochemicol, ac oherwydd mae'n gweithio'r analysau geochemicol. Mae'r analysau geochemicol по bryd nag wedi'u gweithio'n gweithio'n gweithio, a�w'r Lyfolynig. Mine that has a-solugy so if we look at the geochemical record I carried out what's called principal component analysis on the samples and the negative what's called the negative loadings seem to be associated with the chemicals- silica, aluminium, surround aquarium and so on. These are chemicals that are associated with grains, the minerals are associated with erosion or inwash and this curve fits in really nicely with the sediment sequence As you see an increase in organic contents, the organic depositive loadings, and that's associated with these chemicals, and these ones are actually binding with the organics, so when you see nickel iron here, it's not to do with metal working, these are actually binding with the organics, and it fits in really nicely with the peat. So you've got a wet phase, you've got a period of peat growth where you've got aquatic pollen that disappear in this record, and then you've got another wet phase in these sort of modern sediments, as well as meadowsweet, this is a marsh, this is a natural indicator as well. But as well as the natural signals, you also have evidence of human activity. You can see this in the herb record, as well as the dome fungi record, and you can also, there's also high percentage, well it's not really high percentage, but for cereal pollen, anything over 5% is considered quite high, of cereals types. There's a potential decline in cereal around the period of time where we see the destruction of the bark lat in the 6th century AD. We need to be careful because it's only one sample, so we shouldn't really say it's definitely associated with a crisis. But what's really interesting about this sequence is that there's continuity in cereal farming throughout, despite the abandonment of the settlement. And we might expect that because the Aberdeenshire landscape is a really fertile landscape, so if you have a period of crisis you don't really want to abandon that landscape, maybe other people are going to come in and do farming. So, besides the cereal pollen, there is a potential metal signal. We did principle component, this is principle component 3, and positive loadings are associated with the chemicals, cronium, nickel, iron, and I can't pronounce it, ethereum. So there is an increase around where the bark lat enclosure is occupied in the 4th century, 5th century AD. There's maybe a decline, maybe, but there is a general increase until 700 AD and then there's a decline. And then there's pronounced activity from 900 to 1400 AD, so this might be a metal signal, I don't want to say for 100%. We also see evidence in the charcoal record, so there's activity again during the enclosure period, there's activity during the destruction period, and then there's pronounced activity from 900 to 1200 AD. I also looked at erosional indicators, CP5 is associated with cerconium, cerconium's coarse grain side usually, manganese is associated with redox conditions within the wetland, and the increase in negative is associated with the cerconium and depleting, which may suggest an increase in the water table. But what this altogether means is that the burning events are causing erosion and water in washing into the valley, so a rise in the water table. I also did another type of analysis with cerconium divided by rubidian, so basically that's just coarse grain size, fine grains, sand silks, fine silks and clays, and it is often used as a neller erosion indicator. Now what I wanted to do with that is to compare it with the sort of anthropogenic indicators, the cereals and the dung fungi, so the cereals has no relation with the dung fungi, there is a positive association. Now what this means is that although the dung fungi may tell us that there's pastoral farming, the increases are definitely not associated with increased activity, it's associated with increased erosion. I'm going to quickly move on, so this is a summary of this analysis so far. Continuity in land use, despite the abandonment of the enclosure in the 6th century AD, may be a decline in activity, so there might be a period of crisis, but we do need to be careful here with our analysis. But there's also potential metalworking signals, burning events, which is associated with erosion, and there's increased activity between 900 AD to 1200 AD. Unfortunately there's not much in the way of archaeology between this period. So that's the first site. It's not much time, 15 minutes, but I'm going through everything. So this second site is Iona on the eastern side. Many of you are probably familiar with this. It's renowned for its early monastic society when St. Colombo arrived around 563 AD or thereafter. It was excavated in 2017 by Ewan Campbell, and as part of their work, Tim Myll took the pollen cores and I did the analysis, but I'm not going to talk about the monoliths today because I haven't got time, but they've also extracted a core sample, and so we did a detailed 2cm interval pollen analysis on it. So in no from the historical records, the life of Andoeman, there was at least 200 years of peace and prosperity. They had arable farming, pastoral farming, and I believe that we can see this at the bottom of the record by the low tree representation clearance. You've got cereals in the record, you've got some dungfungi, you've got herbs associated with disturbance, herbs that are often associated with pastoral farming as well. As well as this, there was some beetle analysis. So the Enid Alice did the beetle analysis from one of the context, and it relates to around the same time period. Unfortunately, I didn't get the initial monastic period, the arrival period shortly afterwards. But Enid also identified human activity in terms of beetles associated with animal waste, and beetles associated with building materials such as straw, bedding and dryrod. Unfortunately, the peace and prosperity, as a lot of you might be aware, didn't last in Iona, and I believe this might be represented in the pollen record as well, particularly with the birch record. There's this gradual and then this really pronounced increase in birch pollen, there's a decline in the grass, and there's a disappearance in cereal. We have to be a bit careful as well here that cereal might have been swamped. Its representation might have been swamped by overrepresentation of the birch. But it appears that there may have been a drastic settlement decline. Boinks in his analysis also noticed an increase in birch, which he suggested might be associated with coppicing. We should consider that possibility as well, but I'd like to argue that we do know from the annals that over a 30-year period, the monks were attacked on at least four occasions. On those occasions, a lot of the monks were actually slaughtered, a lot of the monks fled. They may have fled to the monastery in Kells, and I believe this is reflected in this high representation recovery of the birch scrub. But we do know as well from the historical records that the monks came back again, and this may again be represented by this strong decrease in birch, and we also see cereals reappear in the grassland as well. But then we see another increase in birch, so it's not as strong as this period, and this again may represent settlement decline. So there's a lot of things happening around 800-850 AD. We know that perhaps the relics of St. Colombo were moved between Dunkeld and Kells. The political status of the church changed. It lost its political power, and so we know the kingdoms of Alba were forming at this point. So maybe the monks were moving away. You've also still had the threat of fiking attacks on the island, and this may explain a decline in population. Although we see a decline in population though, there is not abandonment of the island because cereals do increase slightly. There's also an increase in burning throughout this period, and we also see an increase in heather and corallus myrica type, which may suggest people were managing the heathland during this period. So my hypothesis for this is that we may be seeing settlement decline, so people are abandoning the regional area, so allowing the birch scrub woodland to regrow. But they're sort of concentrating more locally, and there's still this focus on arable farming, and perhaps there's some heathland management as well. We do know from the records that there are mentions of abbots in Iona during this period. There are still burials taking place in the 10th century. And then finally we move into the 1100s. There is a pronounced increase in activity during this period. So this is the lowest representation of birch. You also see the highest representation of herbs, particularly the daisy and the dandelion family. Cereals are still there, but pastoral farming indicators become really pronounced during this period. It happens before the arrival of the Benedictine monks and the Augustinian nuns in around 1200 and three I think AD. So what does this mean? Could this represent the medieval warm period where climatic conditions are getting slightly better and farming conditions are improving? But what does it mean in terms of people? Does this mean that the monastic community, the Columba monastic community are recovering in numbers slightly? They're becoming more prosperous? Or does this mean that we're seeing more settlement influence on the island during this period? There were some excavations in clay farm which uncovered some north artifacts believed to be from the 9th, 10th centuries AD. So there was an alloy pin. There was a wet stone, I believe, and other pottery shards. There's also potential place names on Iona. There's a name called Feld, I believe, which it was destroyed in about 1878. There was a village of about 50 houses, which there's no evidence of this anymore, but it's recorded on Canmore. And there are suggestions that this might be a north's name. There's potential evidence of north settlement, but at the moment this has been conclusive. We need more evidence as Iona confirm Iona way who these people were that are influencing the landscape during this period. So I'll just sum up this now. So in the early monastic period you see peace and prosperity, there's farming taking place, arable, pastoral clearance. Then we see the Birch regeneration, which may represent a period of crisis, perhaps the fliking attacks taking place. We see a return to farming, so recovery, so maybe the monks are returning during this period. But we do see another decline in activity, which may represent a regional decline in landscape management, and are more locally focused because of political changes and other social changes taken place within the monastic community during this period of time. But then around 1100 AD there's an intensification of activity prior to the Benedictine and Augustinian arrival. But we don't really know. We haven't got substantial evidence to say who these people were at the moment. And that's it. Thank you.


comes out in a great manner. But quickly, the lineup for Mollines United, Peter Harrison in goal, Johnny Flemings, Enrique Gordon, Sergene Frankson, Sergene McBean, Jeremy Nelson, Jason Wright, Javon Brown, Daniel Hardy, Steve O'Reade, Rashona Livingston. Here are the captains. Jason Wright for Mollines United. Gidele Irving for Cavalier. Toss of coins completed. And there's a shift in of the order. Mollines choosing the side. Cavalier will have the kickoff. Let's have a quick look at the Cavalier lineup. Jaden White in goal, Richard King, Kyle Ming, Gidele Irving, Jelmaro Calvin, Adrian Reed, Dwayne Allen, Shaneeel Thomas, Shamar Watson, Ronaldo Barrett, the schoolboy, Christopher Ainsworth, and of course their coach by Rudolf Speed. Confirmation of full-time score. Cavalier 3, Mollines United, Niel. Afternoon kickoff in the sunshine of Kingston. And they were really shining in getting attempts. Cavalier, that one from Shaneeel Thomas off the upright. They would continue to come forward here as Christopher Ainsworth getting an opportunity and he fired, but Peter Harrison using his legs well. Another delivery. Jelmaro Calvin unable to get a firm contact to it.  This one came to Ainsworth, headed it directly in the hands of the competent Harrison. Here they were really playing around with it. Calvin, to Ainsworth, Irving to the advertisers board beyond the goal. The game would change though as Irving delivered a beautiful pass to Calvin and he slotted home in sixth of the season. The Cavalier national man from Antigua and Barbuda, Jelmaro Calvin. That was the only goal in the first half, though there were some other opportunities. Shaneeel Thomas striking the ball to the chest of Peter Harrison and here again Ainsworth getting it across. Thomas on two attempts unable to breach the goalkeeper. Had a smile about it. Not sure he should have been smiling, should have converted this one as well. Harrison did well. An opportunity, an odd one. Richard Gooden getting that ball from Harrison. Of course in a save out of Jadon White in goal. Game would change again in the negative. He gave a second yellow card for Jeremy Nelson. That time for a hand ball and he was sent off. Beautiful delivery from the corner. King with the header and a fourth clearance from Peter Harrison back in the area. Dwayne Allen wasn't the best of strikes, but it did just enough to beat the goal line. His first of the season, Dwayne Allen, second of the game for Cavalier. This one came to Thomas and he delivered finally his third of the season. Shaneeel Thomas who had such great form in the Caribbean championships for Cavalier showing he has it in the Jamaica Premier League as well. Domination by Cavalier. As we continue to beat Malines in the Premier League, their eighth win in this matchup. Here's the statistics. Two shots from four attempts from Maline on target. Thirteen from 25 from Cavalier. Some 24s, 12 from Malines, three yellow cards and a red card. They had two yellow cards for Cavalier. There were nine offsides. They really needed to do better in watching the lines. They had six corners that Cavalier. Malines is two, ten saves made by Peter Harrison, only two made by Jadon White and Cavalier. 56% top of possession. A clean sheet and three goals to go fifth in the table. Gadiel, another clean sheet for Cavalier. Not the smoothest performance for the team, but you must be proud of your two assists. Yeah, yeah, I'm proud of my two assists. And how do you enjoy playing in those wide ears as well? Yeah, yeah. And talk to me about that chance you got in the first half. You're teed up nicely from, was it Christopher Ainsworth? You went for power. Was that the right decision? No, no, definitely not the right decision. And what goals have you set yourself for this season? I want to finish with five goals and about 13 assists. 13 assists and you're well on your way. How many do you have now? Three. Excellent stuff. Congrats on your performance, Gadiel. And we look forward to seeing more work from you this season. Yeah, thank you. Gadiel Irving, they're one of the match for today. Two assists for this...


Zero Accounting Software 2023. Delete Access General Ledger Accounts.  Here we first a word from our sponsor. Well, actually these are just items that we picked from the YouTube Shopping Affiliate Program, but that's actually good for you because these aren't things that we're just given to us from some large corporation which we don't even use in exchange for us selling them to you. These are things that we actually researched, purchased and use ourselves. Here we have a Western Digital WD elements 20 terabyte USB 3.0 desktop external hard drive. We use as part of our backup system noting that if you lower the number of terabytes of storage the price will lower dramatically as well. When you're thinking about a backup system you usually think about an online system or an external hard drive system like this or ideally some combination between the two giving you some redundancy. 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If you would like a commercial free experience consider subscribing to our website at accountinginstruction.com or accounting instruction.thinkific.com where we have many different courses you can purchase one at a time or have a subscription model given you access to all the courses courses which are well organized have other resources like Excel files and PDF files to download and no commercials we are in our custom zero homepage we set up in a prior presentation going into the new company file we set up using the 30 day free trial that being the bank feed file now all we did last time was set up the company file we haven't connected to the bank or uploaded any bank feed information however the company file has been provided from zero with some information that being the list of accounts the chart of accounts which are used to be the foundational items on which we construct our data input using the financial transactions to be able to build our financial statements balance sheet income statement and related reports now just a quick recap on the navigation or quick look at the navigation within zero notice the part in the middle here that's where we have our display screen so when we're on the home page we could be navigating from this display screen but more often what I will typically do is be navigating from the drop down screens up top so we have our major drop down screens we've got our bank feed file this will take us back to our home page if we choose to go back to the home page and we have some other settings and options in this drop down this is our dashboard which is basically like our home page so we can always go back to the home page if we would like to be navigating from the home page the business drop down has the short term cash flow the business snapshots the invoices when we're navigating and tracking our invoices to be collecting on the accounts receivable quotes if we're giving quotes or estimates we have our bills to be paid for sorting our payables if we're entering bills tracking accounts payable and purchase orders those have to do with ordering inventory which we may or may not be using depending on our accounting system and the accounting drop down we have our bank accounts that's going to be one of the primary places we will go this time as we're working with the bank feeds we have our reports we have advanced settings here and then we have some other reports that have been memorized down below and then we have our contacts that includes customers suppliers and all of them together and then the easiest way to be navigating between actual forms that we're going to be doing data input with is with the plus button where we have our invoices our bills our contact our quotes and so on now what we're going to do is we're going to try to do most of the data input with the bank feeds but the bank feeds will still in essence be creating these types of forms as we do the data input with the bank feeds and we'll take a look at some items when we step away from the bank feeds and we have to use a cruel type forms as opposed to cashed based type forms such as invoices and so on here now what we want to look at this time is the chart of accounts that has been provided when we make the balance sheet and the income statement those reports are made from the accounts in the chart of accounts and what we're doing when we post transactions using these forms is to put these transactions basically on top of the chart of accounts to be posting to the financial statements therefore the chart of accounts is a foundational item often a complex item that people if they weren't provided a chart of accounts might be overwhelmed to build on them you know by themselves so we can find the chart of accounts down here under the accounting chart of accounts down below now zero it's got a pretty neat system up top where they have all the accounts and then they also break down the accounts by account categories assets liabilities equity expense accounts revenue accounts and archive accounts so that's a great tool because then you don't have to kind of scroll down through the entire chart of accounts every time if you wanted to kind of adjust things like we're going to do here so notice the order of the chart of accounts is ordered by the codes which are account numbers you might call them and but the account numbers that you create we have to be quite careful that we don't put them kind of out of order in alignment with the type of accounts that are involved in other words we should be putting the numbers in place that tie out to the type of account so current assets are up top we would have a cash account up top the bank account that will add later with the bank feeds then we've got the inventory which has its own account category because it has to track inventory units even though it's a current asset type of account from financial statement reporting fixed assets type of account furniture and fixture or I should say property plants and equipment pp&e and then we have the liabilities here accounts payable it's the first liability these are current liabilities and then if we had long-term liabilities we would have long-term then equity and then sales revenue and expenses cost a good sold and then expenses alright so so what we want to do then is think about is this chart of accounts appropriate for our business now the general rule I would usually say would be what you would like to do is create is let zero give you this chart of accounts it's not too bloated it hasn't doesn't have too much stuff in it it's much more reasonably length than some other software like QuickBooks online which I think one of the defaults with it is that it provides you this massive chart of accounts which has way too many accounts generally even no matter what industry you choose right this one I don't think is too too unwieldy it's not too long so the general rule would be once you start doing the data input see if this chart of accounts is appropriate if there's an account as you do the data input in here that suits your needs then use it if there's not an account that you like specifically and you just don't like the naming of the account for example instead of creating a new account go into this chart of accounts and actually just change the name of it so you don't end up with two accounts which have similar names like utilities and then an electric expense account where you might actually post to both of them when you're just doing data input and then you then you're not being consistent in your posting that's what you want to avoid and then if you're not if you don't have any accounts in here then you can add the account at that time only at that time and then after like a month or two months of data input you can go into your chart of accounts find the accounts which you don't think are useful to you because you're not using them and make and delete them or make them inactive so that when you do your data input in the future you don't have to sort through this long list of a chart of accounts it would be faster it's easier it's cleaner if you only have a chart of accounts of accounts that you're actually using and anything you're not using you make them inactive so that when you hit the drop-down to choose an account again you don't have that long massive list of accounts now usually the accounts that we're going to post to when we do the normal data input we're going to be entering bank feed transactions and usually when money comes out of our bank which is the major which what normally happens with the bank feeds money comes in that's revenue that's one account usually money comes out or goes out then it's going to be the expense accounts that's where the most of the categories are at because we pay for all kinds of different things and that's where most of the account you know types are so that's where you have the most flexibility to decide which accounts do you want to post to you do you want to have a whole lot of different accounts or do you want to have less accounts if you have a whole lot of accounts that means you have a lot more detail in your reporting however it also means that you're you're going to have a very long income statement for example if you have too few accounts you have a very short income statement easy to read but not giving you the detail that possibly you would like to have to make better decisions going forward or even to do what you need to do with it like properly report your financial statements or your taxes or something like that so what I would like to do is actually go through here and kind of clean out and remove a lot of the accounts so that we can build and create these accounts as we do the data input so you can see how we can actually create our financial statements as we do the data input from the bank feeds so I'm going to clean out everything that I think I can basically to get down to the bare bones and then add the accounts as we do the data input now you'll also note here when we're in here you can see that when it has a lock next to it that's zero saying hey look I'm not going to let you delete this account because I need to have zero space this is me interpreting zero with zero is saying you have to have an accounts receivable account that is kind of special if you're not going to use it then don't use it but we need it to have a special function of a sub ledger that will will track the accounts receivable by customers so they're going to lock that one so you can see some of the same with the accounts payable unpaid expense claims it's locked in that because it has special uses for these particular accounts so we won't be able to delete those I'm going to try to delete most everything else that I can so if I go to the let's go to the assets and look at these look at these one by one so I'm going to go to the assets tab assets tab and then if I scroll down we're not going to delete the accounts receivable prepayments that's kind of a generic account I would rather remove it and when I make prepayments I'll do it myself employee advances if we don't have employees we wouldn't be using that vendor deposits that would only be the case if you had certain industries that you would need that inventory assets I'll keep that because we might be dealing with inventory and it's got a special it's its own category computer and office equipment that's a fixed asset type of account I'm going to remove it because I might want to put my own categories of equipment versus furniture and equipment versus or furniture and fixture versus equipment according to the amortization schedule so we'll do those as we go so I'm going to remove the vehicles to I'll just clean all these out and as we add that information I will I will populate them as we go I know this is deviating a little bit from the part from the best practice I talked about before which is used the chart of accounts as it's there and then change the names as necessary but again I want to kind of show as we do the data input how we can basically build the chart of accounts from the bank feeds that's my objective here alright so I'm going to go ahead and delete these and says delete accounts you have seven accounts these accounts will be removed I'm going to say okay cool and then let's do the same for the liabilities let's see if we can clean out the liabilities accounts payable we have to keep that gift card liability that would only be there for certain places unpaid expense claims they won't let us delete that fine payroll wages payable we don't need that if we don't have employees and even if we did again we might want to customize those and if you turned on gusto which is the payroll within zero then then you would want to you know set up your accounts with that but we're not going into that now so I'm just going to remove all of these a line of credit would only be there for certain companies I'm going to say let's get rid of that suspense account would only be there for certain companies they won't let us delete the historical rounding tracking that's fine let's delete those items boom so now we're got as clean as we can be clean as me can be just like if we when we when we get out of the shower or something because we're clean as we can be at that point hopefully I don't know it's anyways so here's the equity side so we've got the owner's capital account we now it won't the only one the one that won't let us delete is retained earnings here because that's the account that's going to be used when we close out the temporary or income statement accounts to the balance sheet accounts notice that all of these other accounts are our accounts that might be dependent on the type of industry that we are in so owner's capital account is the is an account for owners like a sole proprietorship like an owner's equity would use an owner's capital account the thing that's kind of funny here and the thing that's a little bit tricky with these accounts is the retained earnings account is a corporation type of a name meaning you call it retained earnings if you're a corporation if it was a sole proprietorship you might name this account like owner's capital account but the issue with the retained earnings is that it's going to show on the balance sheet and this is the account that kind of automatically the stuff rolls into that's neat and useful but you might have to do some adjustments to it depending on the on the type of business you have you might just rename this account to owner's capital account but if you're a partnership it causes problems because zero like all online software many of them shows the net income on the balance sheet that's the thing that's kind of weird and so you have to and so that kind of messes things up a little bit when you're trying to allocate to like different partners capital accounts but in any case these are owner's capital account this is an investment account which would be like a sole proprietor type of account when you put money into the business and this would be a draws account when you take money out these would be particular to a sole proprietorship type of account if it was a corporation these would be called dividends for the outflow and the investments would be the capital or the common stock but we'll actually make these as we go so I'm just going to delete I'm going to delete these for now and we'll keep the retained earnings because that's what's going to be rolled into and we'll talk about how we might name those accounts as we do the data input from the bank feeds again so I'm going to say let's get rid of those and then the expense account the big category over here so cost of goods sold let's keep that one because we might be dealing with inventory purchase discount I'm going to remove that one we would only need that if we have a purchase discount we got subcontractors I'm going to remove that one we've got the and notice these are direct costs because they're like part of the cost of goods sold possibly we've got advertising that might be something that we use oftentimes but again I'm going to remove all of them and create the bank accounts as we go bank service charges I'll create them as we go automobile expenses business license that's a common expense account dues and subscriptions equipment rental not all companies will have that past meals and entertainment insurance and professional fees reimbursed expense wages payroll mileage reimbursement which we would only have for certain areas debt bad debt we would only have if we're tracking accounts receivable depreciation will possibly need to deal with that with an adjusting entry miscellaneous and then other expenses these two seem somewhat redundant to me but not too unwieldy of a list of expenses so if you just started with those and you wanted to keep those and start this for less of them I believe then like a quick books online which gives you this massively long list of expenses that it's clearly you know trying to cover all the bases in one chart of accounts but even this if we customize it ourselves and make these accounts as we do the bank feeds then sometimes that could be an easier way to go and I think it's a good kind of learning experience as we do as we as we do the bank feeds to see how the first data input will differ from one month to the next month of data input all right and then the revenue let's do the same for the revenue one more time and we're going to say we have sales discount received I'll remove that and merchandise I'll remove that I'm just going to have sales for the merchandise we sell and service for everything else service items that we provide markup I'm going to remove shipping and handling cash discrepancies uncategorized income other income vendor refunds I'll remove all those and we just have the two income accounts to start off with boom and so that's pretty clean so now if I go back to all the accounts and we see them in order assets liabilities uh equity we just have our assets just the accounts receivable inventory liability accounts payable unpaid expenses sales tax historical adjustments rounding tracking those items they wouldn't let us delete equity we just have retained earnings sales sales or revenue we have sales which are the inventory sales service which is going to be a non-inventory services we provide and then cost of goods sold for inventory expenses and then we deleted all other expenses except except uh and then we have that the bank revaluations unrealized currency gains and so on uh that we won't won't let us delete on the expenses so we have the bare bones of a general ledger and we will construct our general ledger as we do the bank feeds in future presentations


Hi, I'm Chomo Zopoi and I'm an entrepreneur from Soweta. Soweta's come a long way from a small township to a mini city of its own. Soweta's got some really really nice suburbs like Deepgluve Extension but the locals call it Deepgluve Expensive. Orlando is known as a suburb that had the first brick houses built in Soweta. Orlando Stadium for its iconic games between KZ Cheese and Pirates and most importantly Villagasi Street where Nelson Mandela and Desmond Tutu resided. I'm Chomo Zopoi and I'm an entrepreneur from Soweta. Soweta's come a long way from a small township to a mini city of its own. Soweta's got some really really nice suburbs like Deepgluve Extension but the locals call it Deepgluve Expensive. Orlando's known as a suburb that had the first brick houses built in Soweta. Orlando Stadium for its iconic games between KZ Cheese and Pirates and most importantly Villagasi Street where Nelson Mandela and Desmond Tutu resided. To the west of Soweta you find suburbs of Dobsonville and Pretia. Welcome to Episode 39. I'm your host Usamandouma Kumalo. Now a number of us are probably at home and one of the big things that we're probably thinking about is perhaps extending that family house. You know you're probably looking at relatives at home and you're thinking it's long over to probably you know even started that Pinterest board to just spark a little bit of inspiration and you're wondering how do I even get started? How do I budget for this? What are some of the things that I should be looking out for if I want to do that project? Well if that's one of the things that you want to do after this lockdown even during this lockdown then this is the episode for you. To help us better understand you know some of the dynamics that go beyond or that go with renovating a home, some of the things that you need to be looking out for and making sure that you don't work with the wrong contractors. I know a lot of us probably have some of those horror stories. This evening I'm joined by Ululu Mutsikira who is the CEO of Namaste who's going to help us out with this one. I mean a lot of us always have this on our vision boards at the beginning of the year. You want to surprise Umama or Oogogo by extending that family home or even your own home. So to just help us with this particular one. Thank you so much for coming. I'm so glad to be here. One of the things is before we even get excited with you know what should we go shopping for our budgets and those kind of things, four viewers who are probably sitting at home and thinking that's definitely something that I've been wanting to do and maybe it's even something they've been slowly saving towards. What are some of the things that you should be thinking about and start prioritizing even before you start shopping for that extension at home or getting contractors to give you quotes? Okay I think the first really important step before even like you said shopping and looking for contractors is to really sit down with yourself and understand what the intention behind the extension is because we find that a lot of people just have an open space at home or they've just got an open lot and they're like you know what it would be very nice to get myself a bedroom an extra bedroom or an extra lounge. That shouldn't be motivation enough to you know extend because there's a lot that goes into the extension process and um you should really you should really understand or know why you are going into this route or going this route. The second but I think that then starts becoming very important is to understand what the rules of engagement are within your property space. So are you a home owner in a lot in a plot or are you a home owner in an area that has home owners associations such as a complex or a townhouse etc. Different rules apply for those different spaces and you have to work within those rules. So if you're wanting to extend within the the realm of a townhouse within the realm of you know an area that is mandated by a home owners association you have to get those building permissions. There's no way around the planning permissions are an important aspect of the extension of the extension game. You have to you have to understand what the rules are within your your property with regards to extending and then you have to sort of get those permissions in place before you even start the process of getting your contractors in before you even start getting to the the process of getting planners in. I mean you you're mentioning that there's actually quite a lot that goes into the extension process so beyond identifying if for example uh let's say um your family level is either in the township or in the rural area so you certainly know that you don't have to deal with your owners association or or the more kind of stuff and and and now you know that okay here's the house and maybe it's currently a four a four-roomed house or a five-roomed house what are some of those processes that actually then go into thinking through um that particular extension. Okay so now we're at the place where we know that we don't have any there's no permissions that we have to get all into the municipality we got all our permissions in place we know that we can't do this thing. Now we're at the place where we need to get contractors. Yay please guys get the right contractors. Horror stories. I have my own admittedly and and and I think you know sometimes you go in you've heard this yesterday because some of them will even show you some of their past work if you're fortunate maybe you'll get one that you know a friend recommended and it's possible that a friend probably just use them for tiling you know and your project is bigger than just a tiling gig and it might need them to be able to you know do electrical work and plumbing work and you're thinking look this guy is is is reasonable enough is affordable enough so why not you know what's the worst that could actually happen. I know that it's very hard it's what I'm about to say is is is almost counter-intuitive but budget should not be the driving force against you choosing the contractor for your home it shouldn't you should be able to vet this person so getting the right people means being able to vet the people that you're you're getting to view your your space but before you even vet them they need to be able to come to your space and be able to tell you how the space needs to be planned out because there's also different elements so like I said there's no owners association that's mandating you to do anything in a certain way but if you want to build a double story for instance what does what does what does that mean for your neighbor what does that mean for the people in and around your your space if you're wanting for instance to build a space that is vertical so something on the ground what does that mean for the for the for the the sewers in the in the area is is your home within a piping system that that affects everybody in your space so only a professional a real professional can answer those questions for you this is why we're coming with problems where we wait especially in Makaya like you've said where umai has built or the daughter has built a beautiful room for umai but suddenly it's pulling apart because there's water damage everywhere nobody came and told that person that you can't build on top of this land because there's water underneath underneath here that's going to affect your structure um so critical to get the right people so it's not just about getting Iplamba and getting uh the you know the the guy who's going to be able to do the cement the guy who's rhino lighting the guy who's selling the bricks it's about getting either an architect or a draftsman if you don't have you know the budget nor do you have a need for an architect to come into the space get a draftsman just somebody who's got the professional eye to be able to see what the lay of the land is and what the capacity and the capability of that land is then we go into the contractor pick them properly as well and you know when you when we're talking about some of those checks or some of the municipalities we're already getting questions around that particular one one of the questions that's coming in of course two viewers at home please do send those questions and comments if you're looking to extend whether it's your own home or their family home and you have quite a lot of question marks still not particularly sure how to best go about that project you don't know who to reach out to the questions that you should be asking to that particular contractor then do send through those questions and Lulu is more than happy to address them this question is coming in from OTAN Degahate who asks I have a standing house so do I need to go to the municipality office before drawing up the plans to extend yes so you are building permissions or something that the municipality deals with you have to go to them especially if you're going to do any infrastructural changes to the space whether you own the house yourself and it's like I said it's on a plot of land that you own you still have to get those municipal um permissions um to extend from from an infrastructural perspective you have to take it through the municipality and I think at that stage you know what are some of the um like what are some of the ticks that somebody needs to do so you now here's the family home and you're working or you've maybe let's say I've identified I want to work with Lulu and they know that certainly you as a service provider you know how to advise your clients in terms of before we even talk about your budget or what needs to be done you need to make sure that you go to the municipality this is what needs to be done maybe you are actually extending and putting a double story so your neighbors also need to be signing to say that yes they are aware that this extension is actually happening so there and you show the plans because I mean we I've even seen horror stories where people build you know those rooms and people complain about the view because you've essentially now blocked them all like completely right so you're not even passing those um you know requirements when you're building that those homes so is that first check then um before you make that extension particularly the big ones to go to the municipality and get permission for it so before you're even thinking about going overboard because I know a lot about I I know I probably start within this first before I need the inspiration and and I want to make sure that I at least know what a color palette that I want is and then I'll go to the municipality so is the municipality essentially one of the first places that you want to go to to make sure that um you get the right signal from them first okay so let me there's three there's three layers to what you've said the first one is it's really very much dependent on the scale of the project you're doing and whether there's an there's an infrastructural change some extensions and some renovations are not necessarily something that you're doing on the outside of your home sometimes the inside right you're changing your kitchen you don't have to go to the municipality to change your kitchen but if you're extending the extension to to to build another layer or another another building in your property that is something that you have to get municipal permissions for they also sometimes require what they call an architectural report it it's very much dependent on the on the on the municipalities and they all run differently but it's very good especially if you're doing a very a very large um is sort of infrastructural change to get that architectural report take it to your municipality get all those permissions in place and then you can proceed to the next step now in as far as your statement around getting your neighbors permission you are not mandated to get your neighbors permission but it is a courtesy and it is something that we definitely encourage people to do because there's nothing worse than having being a neighbor we had a huge amount of light um coming into their house and suddenly there's a whole you know structure that's been built that that's a blocking the light for that neighbor they're not going to be happy um and then municipality unfortunately or whatever body that you're mandated to engage with is not necessarily at a place where they understand all those sort of nuances and dynamics and so it is it is advised that you do go to your neighbors you tell them listen this is what I'm thinking to do this is how it will affect you um I'm just letting you know as a courtesy there's no there's no sort of and then they can they can choose if they're not happy and you're saying I'm going ahead they can go then themselves go to the municipality and say I'm not happy with what is happening in in within within my property area and that's how sort of the the conversations happen with your neighbors but where you are mandated is definitely your municipality and a question on this you know so they first you know you know our viewers first essentially want to clarity now you know that you need to go to the municipality depending on the type of project that you're doing so some of the projects won't necessitate you having to go there some of them will so in the event then that you are doing the type of project that would necessitate you going to the municipality a question here coming in from Stephanie Woodboy who says okay so when you go to them meaning the municipality would you have to have a design in place or do you only ask for permission to to basically build no so you must have you must have something that you're you're showing them so you have to have an architectural drawing or a draftsman's drawing um something that basically shows what you're planning to do I mean you can go and say I'm planning to build is this something that that I'm allowed but they're going to tell you to bring whatever it is that you're planning to do and then and then give you those those permissions and listen something that also you must take into cognizance and it does take a little bit of time some municipalities are faster than others some you get those those permissions within a week and you can hit the ground running sometimes you can take two weeks if your project is really a massive one it can literally take up to three months to get those those permissions because they have to make sure that everything all the all the knots and crosses all the all the issues are are before you start and you know what I think one of the things is probably so many of us probably didn't understand just how complex a project can be because like you're saying I mean you could be growing up in your family house and you're thinking one day I'm going to extend this house maybe make it a double story and you think it's just as simple as getting in a few guys who can help you out they give you a quote of the labor and the material and you start working but we're slowly beginning to see that it's actually not that simple um there are certain checks that need to be put in place there are certain professionals that you need to be working with um but of course it does get to the exciting part so now you've done your checks you've got the architectural adjustments um you know uh report and you've taken it to the municipality the municipality gives you that green light they say listen we're happy with the plan you're not able to start building and now the problem might potentially start we're going to go for a quick break and when we come back we're going to look at now what happens we've got those checks the municipality says yes you can go ahead what happens next what do we need to be looking out for next because this is probably the more daunting part I mean you think regulation is daunting but more than anything this is the part that would probably gives a lot of us gray hairs I have gray hairs so I think it probably gives me even more gray hairs than I have and and there are so many things you can look out for the type of professionals that you want to be working at the types of contractors the different ways you can optimize a particular project maybe if it's too big you want to like chop it up into you know different sections to also make sure you've got the budget because I think we underestimate how expensive building can actually be we're going to go for a quick break and I'm going to come back we're going to look at what happens after we've gotten all of those checks of course I am on the line with um is the CEO of namaste and we're looking at what some of the things that you need to look out for when you're looking to extend your home remember you can always participate in our youtube competition where all you need to do is subscribe to our youtube channel take a screenshot share it right here below and you stand a chance of winning one of two one thousand brand prizes when we come back we'll be looking at more of what you need to be looking out for when you're extending we'll go back just after this property podcast I'm your host ozaman don't want things that you must look out for if you're looking to extend your house it might be your own perhaps your mother's house or the family house whichever house it is if you want to you know embark on that project we're looking at the things that you want to make sure you tip off understand before you even walk down that path so help us better understand this one I'm joined by Ululu Motekira who is the CEO of namaste and you know before the break we're talking about the regulations and making sure you get all the green lights coming municipality and and that's a big chunk of you know your project depending on whether or not of course your project requires it so as you were saying earlier not every renovation or extension will require you to get those permissions from the municipality so if it does you want to make sure you get them in especially if you're going to you know sell your house in the future because they're going to want those building plans and if they were not signed off you're going to struggle to sell that particular house especially if you're going if they're signed up higher it's going to want it to be financed so you really don't want to skip that step in your home renovation journey so now Ululu we've tipped all the green lights as far as regulation is concerned we know that the municipality has a way of this project that we want to do and we're working or we certainly got the right plans in place what happens next like I mean I think this is probably the part where people start using their money essentially because you get in contractors they run away with your money they will tell you you must give them X amount of deposit before they even start working or their workers come to your house and and it can be such a headache I I mean I can just imagine the different stories I've certainly heard from friends and family and even my own experience a lot of us have always had a lot when it comes to you know home renovations or expansions and we want to make sure I think more than anything want to help viewers at home not go through that process so what happens next and what should we do next in order to have a process that is as smooth as possible building is not a DIY process that's why don't DIY a build please because a lot of contractors out there are literally DIY contractors I've I've seen horrors where people pick up builders literally open the side of the street that's the most dangerous thing you can do I understand like I said you've got a budget you're trying to stick within that budget but you must understand that you're trying to build a structure here and so you need to get the right people to to help you in that process of building that structure they are professional bodies in which builders real credible contractors are mandated to be members of not all contractors will be members of their professional body but getting getting contractors that are members of the MBSA or the NHBRC those are the two professional bodies for contractors in South Africa if you can get people that are are members of those kind of bodies at least you know that they are mandated to operate within the realms of those of those bodies fine not everybody you know not everybody can get that level of contractor or that kind of contractor I think the next step the next step they know the next layer they would to that would be to definitely vet the contractors that you're getting get people that somebody has actually used before and somebody's house that you have seen and you are satisfied with the way in which it looks um get referred get references because references are an incredibly important part of the of the vetting process get credible real references um and through your due diligence don't rush the process of of getting contractors in place because you are going to end up paying you know that the term cheap is expensive with regards to contractors it can get very very expensive and and we were doing that due diligence you know what are some of the things that we are essentially asking looking out for because I can imagine for a lot of years at home you're thinking look I've never done this I'm I'm an accountant or I'm a lawyer or whatever your profession is this is not what you do right so you're not really accustomed to even knowing what kind of due diligence questions you're asking of the potential contractors that you're about to work with so what are some of those things that we need to be asking them and following it following up on before we actually choose the right one okay like I've said uh asking them and getting getting feedback around which professional bodies they're a member of is is the first sort of step to kind of get to a point where you understand that at least they're operating under those mandated rules and rigs the second bit is is uh you know asking having an understanding of at what level have they have they built building a garage still needs somebody who's who's you know build something at a relatively high at a high level building something at a high level because the garage is still brick and mortar you still need to build something up um so also we need to get away from this from this sort of thinking around ah you know your garage or it's just it's just a small something there's no need to get somebody professional because it's just their room no a room is as important one room is as important as a whole floor the same process goes into that so maybe also having a conversation around what processes they they they put in place what kind of materials and where do they source the materials very important because also you want to be shy shyed by way of price um in the beginning of my professional career I obviously was very focused on the interior design element of my business and not necessarily the construction over the years I've had to get really down into the intricacies of the construction part because then you get an understanding of what I'm what am I being charged or the material cost do your own homework we are in a place in society now where we've got so many resources to get information um don't take the first quote that you get as well get through quotes it's important get three quotes from three different uh supplies or three different contractors to get an understanding what the cost and uh the cost variations are the price variations are so that you can start asking the critical questions because once you get three quotes you're able to say my guy you told me that uh you know the the rhino lighting cost this much but somebody else has said it's costing this much can you explain why there's a difference in this in this cost but when you go with the first contractor who gives you a quote it becomes very difficult to understand the nuances of pricing and therefore not and then you don't understand the nuances of materials being optimized upon and already as you even you know saying that a part of me is is anxious on behalf of people who are going to embark on this process because you're already I mean if for example you're extending a house maybe putting two three rooms you're already thinking there's so many different checks there's so many different like line items that would even go into an invoice when you're buying the material so even getting familiar with some of the words that you would find then asking those kinds of questions becomes so important because some contracts some contractors will tell you well you're just given the area that you're in and the and and the kind of project that you want to do you want modern finishes it's going to cost you four thousand per square meter another one will tell you six thousand per square meter and you're not even understanding okay what what does that even mean right why is this guy charging me two thousand and more than the next guy and yet I gave all three of them the same and the same brief and and the pricing that I'm getting is so different from each other so I think even that already can be such a daunting process and of course we're still getting some of those questions from viewers at home and one of them is where does one find some of these suitable people to assist us in this home renovation so you're almost thinking is there a marketplace maybe your friends haven't you know extended the houses at home or if they have maybe they were just not happy with the contractor so that also doesn't help where do people even go to try and source the right kind of people to then get those respective quotes from okay so I know the like I said the professional bodies they've got almost lists or lists of contractors that are part of their body so within the NHR NHBRC there's they've got their own sort of list of contractors that they they work with it's the same with the interior design industry this this the people are part of the body but in the same breadth there are people that are not part of those bodies that are very credible and very good I think you when you're making a concerted effort to renovate your space or to extend extending your space it's very important to understand that this is something you're committed to so you must do the homework of you know you can use the Google Facebook those are not those are not platforms that are are not not credible it's just you have to see through them a little bit more carefully to find the right people but those are we're in a space where we've got a lot of resources to try and get those those those contact details but I will not lie word of mouth is a very is a very important and very very credible way of finding people even if it's not necessarily your friend or your neighbor but you've got colleagues you've got people within your your your immediate circle who have must have done something and those are the those are the kind of people that you engage in because also understand that somebody who's who's used the contract that they're not happy with at some point they find on somebody to fix the problems of that that that botched job and so that person then becomes the the person that they ultimately will end up recommending so I really put a lot of I put a lot of cloud or emphasis on word of mouth but you definitely can do your own homework by way of using social media using the professional bodies I mentioned to sort of get these people so Lulu we've now you know so earlier in the conversation we had done our checks now we certainly know where to go and find these credible contractors we've sifted through them we've done our due diligence and we've settled on on who to work with and now I want to work with Lulu what are some of the conversations am I having with Lulu after I've chosen you for example to say this is this is what I want to do um what questions should I be asking the contractor and how do we measure the project in the like whether it's the daily or weekly I mean obviously because it's a home extension a lot of those types of projects are not going to last three years for for example it's not a made up project so perhaps it will be a few weeks or even maybe a few months but it's it's a relatively short term project how do we mitigate that relationship how what are the conversations the questions we should be asking because I think sometimes you don't because you don't know what you don't know you also don't know what should you be asking that person so even if you want to report back on a daily basis because you go and check the progress what are you actually asking for asking regarding that progress that's a very good question and and it's an unfortunate but oh fortunate sort of conversation so when you're in this department for instance a designer interior designer or an interior design team it becomes easier to have those conversations because you're almost using myself as your as your as your landing port to ask the the critical questions to your contractors I would have in any case for instance I recommended people that I know that are credible so you're already feeling at a level of comfort but when you are doing it yourself so when you are in the process of doing it yourself I think any contractor with their salt has as almost a standardized way in which they work by way of timings by way of a report back report back is a very important part of the building process and I think a lot of people don't don't they do it off the cuff you know you walk in you decide today after work I'm going to go to the to the building and take a look at what's happening I see that there's things on the floor I call the contractor can you come in and tell and tell me why this hasn't been done and that's not how it's supposed to be happening what is supposed to be happening is that you at the beginning of the process the contractor should tell you how long that they are they are stipulating or estimating this thing is going to take once you guys have agreed upon that timeline obviously there are deviations especially in the building in the building process don't hold that timeline to as you know I'm having a party I've had situations of people say the Friday you said you're finishing your rule I'm having a party my family's coming that don't do that but there must be and then what like because I'm sure that a lot of people had these plans lockdown happens your project's going to come to a halt so you factor in that look there are other factors that come into play that that may disrupt your particular project rain if it rains for two weeks straight while you're trying to build there's no way you've lost that two weeks so those kind of things are but but like I said a contractor will have that conversation with you and explain those things to you and they will consistently communicate when there are deviations to the plan that's a very important one you don't want somebody who's quiet from beginning up until end that's not a that's not a contractual relationship especially from a building perspective you need somebody who's going to be able to keep you keep keep you up to date with what's happening throughout the process as well as give you weekly or buy weekly depending on what your preference is or monthly updates on what is happening and where you are within the project and that means having some tough conversations because building is not a pretty and fun exercise in general there's a lot that can go wrong there's a lot that comes up that you weren't you weren't you weren't expecting but a big part of that of maintaining that relationship and making sure that everybody's happy is communication on a consistent basis if you know Zama that you know there was a burst pipe that happened within this the first week of construction you're not going to be angry that construction delayed by a week because the contractor would have really told you listen we came to this this sort of problem you see it yourself so I think a contractor who can who can stipulate and outline what their working process is from the from the cuff of the cuff and then keep you consistently updated in a formal manner not in a haphazard you know is over on a come take a look but in a really formalized manner so that you can you can keep up to date with what's happening here and I think you know I feel like a lot of us probably have those experiences where the feedback was quite informal there was no it wasn't regular so sometimes what happened because you are the one who actually calls and says within two weeks I haven't heard from you or you end up coming on site to actually check on what the progress is or your mom is saying no they haven't been here in you know in a week and I just thought maybe you guys have an arrangement of sort and it as far as you are concerned workers are supposed to be working for that particular week so you know what that also does and what that helps with is us as as contractors as well we we like to work peacefully without the client coming every day looking at it because if I've given myself a week to finish something that means on day two it's not going to be a perfect it's not going to be a perfect picture so if as as a contractor I'm communicating with you on a regular basis and I'm taking you through the process with me you're not going to feel compelled to come every day to see the mistakes and you know be questioning every single part of the process because you know that Lulu is going to give me feedback or my builder is going to give me feedback towards the you know towards the end of the week then I'll know where we are so it also helps contractors once if they've laid out something concrete it helps them as well manage you as the client and I think Lulu I mean one day is already clear we're definitely going to bring you back because there are so many tips and tricks that we certainly need to learn not just from an exterior perspective but even from an interior perspective because I think it's one thing for us to extend the homes you then want to of course work on the interior but before I let you go we're now you know we've done the project you're happy with the progress you're happy with the updates now we're slowly getting to you know the project closure what are some of the I'll say ticks that need to be ticked before your contractor is done and you make that final payment to them you know almost that that you want to go through to make sure that I'm I'm thoroughly happy I know that the things that we agreed on have in fact been done before you send that this bit of money because more often than not the moment you made that last payment sometimes some contractors are not going to come back in because they think look I'm done and you know you saw the place you pay me the money why am I spending any more time with you so before that last transaction what is that checklist that we should be going through with our contractors okay so the first one you definitely be is this as per what we agreed upon in the beginning so as per the the drafts the draftsman's plans or as per the architectural plans it does this thing look like what we had agreed to look like um obviously outside of the deviations that you would have agreed upon during the process maybe you you had not wanted a toilet and now suddenly added a toilet those are obviously deviations that came in the process facts uh on the on the greater sort of on on the on the whole does this look like what we had agreed upon and then what what you must do as a as a client is give yourself a grace period for snagging give yourself a grace period for the snags very important don't pay and if there are any contractors in there forgive me do not pay your contractor the day that they give you the keys and say here's your house no you have to have a period and any contractor must give you a period to look for the problems because obviously we've been we've been in we've been part of the process the builder has been building this house and they've obviously done their checks so they've done the quality control checking so that's a very important aspect as well they need to do before they hand over to you they need to do the quality control checking to make sure that everything that they've said they've done as well as the health and safety measures of that space have been looked into okay then they give you the keys you also need a period and different contractors do it for a different time frame you need a period a week sometimes it's two weeks but more especially with more than four more contractors it's about a week where you have time to really look at your your property because the minute you get the keys it looks really stunning it looks beautiful but you're gonna walk around and you're gonna notice this and that and this and that and those are the things that you need to be able to notice within the week and then you go back to your contract and say can you please fix this this this this and then post the fixing of that it's called the snagging the desnagging process post the the the fixing of all those snags then you can pay your contractor so before I let you go what are the three tips you would give to years at home who are looking to extend you know the family home or their own respective homes you know three tips to help them navigate that home renovation journey first one is get the right people by way of structural planners if you're doing a big a big job so a draftsman if your if your job is not that massive or an architect if your job is massive so that's step one that's tip number one get the the they get the right people to do the plans for your space because that will also make your municipal life very easy so going to municipality with proper plans and a proper architectural report will definitely help you out the second bit is take your time in choosing your contractors very very important don't rush the contracting job and the contracting process and I think the third tip is put a budget in place don't work off the cuff and I know we didn't discuss this in great detail but a budget is is a really important aspect of the building process that doesn't mean that you're not going to have a gain some variations some deviations to the plan but for the greater part try and build a very strong solid budget from the get go so that you can understand what is happening within your within your process those are three tips Lulu thank you so much for joining us I think we're so excited and look at how do we even budget for something like this I mean the when when so some people tell us about their let's say kitchen renovation and the kitchen costing 80 000 rand you're already getting chest pains because you think well how is the kitchen that expensive how do you begin to then you know budget for putting in a you're extending the kitchen and then a bathroom and and and because there's so many costs that are involved in the home renovation journey so we certainly bring you back on and perhaps the next time we bring on we want to look at how we do it on a budget because a lot of us are probably not going to have 100 000 rands lying around to to do those projects so how do we then go about doing it on a budget efficiently and for it to still look relatively modern uh and and something that we'd be happy to put on our instagram feeds Lulu thank you my thank you so much for joining us this evening thank you for having me and that is Lulu Mutsukira who's the CEO of Flamastei if you want her contact details perhaps you've got your own home renovation needs the contact details are right here below on our facebook page of course we're back again tomorrow with episode 40 we're still cooking up a great prize that we're going to give away for episode 50 I did promise that uh we'll give something away I think for where a lot of us are very excited to be making a two episode 50 which is coming very very shortly so if you have any ideas of what we can give away do send those suggestions right here below we can't give a house yet uh and yet is the operative word I think one of the big things is the day we can give away a house is probably the day I'll feel quite excited I'm excited about the prospects of giving away a house but it's something we're still working on so do you send those suggestions of what you would want us to give away on episode 50 and tomorrow it's a Friday we're going to be speaking to Alexa and really tomorrow's conversation is actually going to be quite interesting we're going to be speaking to the young professionals to the young black professionals in property and to be saying who is going to tell us a little bit about the work that they do as cyber and really some of the interesting innovations that they have in store for us so you certainly do not want to miss that one but until then I hope you're staying at home and you stay safe I'm Jared Siegel I'm a local restaurateur and the owner of Jared's espresso bar and eatery in Seapointe I'm a Cape Town local Camps Bay born and bred I've been living in Sydney Australia for the last few years living abroad I've always been drawn to the mother city and I've recently decided to come back home taking lifestyle factors into consideration Bantry Bay has been the perfect fit for me living on the Atlantic Seaboard really resonates with what I'm all about from the active lifestyle the amazing food culture its family friendly environment and amazing natural beauty the quality of life we have on offer is really unique the Atlantic Seaboard has some of the most beautiful suburbs in the country I'm Jared Siegel I'm a local restaurateur and the owner of Jared's espresso bar and eatery in Seapointe I'm a Cape Town local Camps Bay born and bred I've been living in Sydney Australia for the last few years living abroad I've always been drawn to the mother city and I've recently decided to come back home taking lifestyle factors into consideration Bantry Bay has been the perfect fit for me living on the Atlantic Seaboard really resonates with what I'm all about from the active lifestyle the amazing food culture its family friendly environment and amazing natural beauty the quality of life we have on offer is really unique