DK and I'm back back back again with then talk episode 7 baby the grand finale This is the last one of season one. She'll shout out to everybody that put the questions in the comments section I really appreciate all our love and support, but we ain't gonna waste no time. It's time for us to get out here And get on the ground. Let's get it Question number one comes from at rideshare Lisa and she says I do a lot of catering But I heard that an LLC is important for tax reasons. Should I get an LLC for that reason? This is my honest opinion, I think that I'm gonna tell you honest truth Lisa look For first off shout out to my guy right my girl rideshare Lisa makes you guys subscribe to our YouTube channel She be dropping out some information on there now This whole LLC talk, I just want to be honest honest truth The whole LLC talk is kind of over ready. Everybody's used these keywords like LLC and business Like, you know, they use different keywords to make they self sound smart this whole LLC thing If you haven't you've been doing this for a while from what I understand and you haven't had an LLC yet So you've been good. You've been doing what you've been doing You may have no problems with the government because you don't want no problem with the IRS You don't want no problems. I want no problem. So nobody want no problem with IRS So once everybody started changing over stuff now You got to have another bank account you add another bank account a business bank account To everything that you're doing and some of the money got to go in there Then you got to file two different separate taxes You got to file one for the business you got to file one for yourself If you don't want to go through all that then not do it Don't waste your time trying to please everybody because everybody goes to everything you got to do this You got a man. Everybody know everything about everything when they need to know everything Everybody know everything but they're not going and not earning enough money, but they know everything about everything look Do what works best for you if it doesn't work for you Don't do it. If you don't want to file multiple tax Taxes don't do it. That's just my opinion. Everybody can think how they want to think you can go get the LLC if you want to This is just only my opinion. So that's all I'm gonna give you but silence you for the question I appreciate all the love and support make sure you guys subscribe to your YouTube channel Question number two comes from at Bob the Builder and he says have you done any long-haul mortuary transports? No, actually, I haven't let me just say this. Let me just say this my guy Bob Bob look Bob the Builder the long hauls are not for me You have to really be built to drop all the miles and stuff like that. It ain't for me I did it one time. I did it a couple times, but I look I That's doing is exhausting.  It's a different places I've never done that before but it's definitely something I will you know be into if that's the money, right? I don't want nobody's in there though I just wanted to be a regular old casket the long the box and then I just drop that joint off But I do not want to go too far So if you do have any info about that I definitely will be open to any suggestions that you have since you got all the knowledge about it So email me at Rome's house reviews at gmail.com and let me know so we can go out there Let's go Question number three comes from at off topic and he says how do you go about calculating your dollar per hour ratio? Um, honestly me personally, I don't really calculate a dollar per hour ratio I just don't think like that. I kind of think that thinking about a dollar per hour ratio You kind of selling yourself short and you kind of almost think like an employee So most employees when they go to the interview they say how they say how much I'm gonna make an hour I'll make $20 an hour. So that's that's I don't I just don't think like that I think that I'm trying to go out here and get as much money as possible. I might set Because this is another reason why I don't think like that is because What happens if you don't make that money per hour? That how what do you do then? What do you do like at what time do you quit and go in the house? What happens if you don't make that money per hour and what happens if you make over that money per hour? So it's kind of like you can't really justify doing it that way because it's not a per hour type of thing You just got to go out there and get as much money as possible. So that's another reason why we don't think of it that way I don't mean to offend you by saying that whole employee mindset thing, but that's just how that's how I look at it I'm just telling you honest to god truth Um, what's the minimum amount you're willing to take for a load? It depends on what it is So if it's a load, is it from the carrier company or if it's on the gig app I'm taking anything that makes sense to me anything that makes sense I'm taking it So if it makes sense and I'm right here even if it's $10 if it's $10 and it makes sense And I'm right here to go to cds get this prescription drop two miles on the road and I'm going that way anyway Why not get the $10 that's just how I look at it See if you're thinking about how much you're gonna make per hour You're not gonna think like that you're gonna be I need to make this per hour I'm look I'm trying to get this money as fast as possible That's my goal is this my goal is to go out every morning and get the money as fast as I can get it And be home as early as possible. That's just how I look at everything I think that time is the most important thing So I try to get the money as fast as I can and that's just how I look at it But choose how it is a great question. Do you have a minimum amount that you'll take for a load from a carrier? See now with the care I don't know that's kind of hard to say I already know I know that I tried to like in the beginning I was trying to make it like they got to pay me more because I got this commercial insurance now No, let's know that but if I'm right there and that joint two miles pick up and drop off $50 or something. I mean I'm going I'm going for the ifty But see this the thing though It's kind of hard to say that because with the carrier company is way different than the gear gaps The gear gaps like boom boom the carrier company is you might have to sit down and wait You have to wait this long make this long. So I would say I have I have been it for like a hundred dollars before I have been it for a hundred dollars before I think that's kind of like the minimum that I really would go. It's like a hundred dollars Um, and we've won and lost something on it.  It's going to be some days when you go out there by manager's critical Sometimes you got to talk these days up and I know that you want to like at least I made something But you like you'll go home you at the home challenge You won't get up turn on your car turn on whatever vehicle you got drive all the way over here for 30 dollars Like it don't make sense and sometimes you just got to let it be Sometimes you just got to let it be I have had some zero dollar days So sometimes you just got to let it be and wake up tomorrow and get back out there and get busy again Don't get discouraged. Don't get don't don't get discouraged get encouraged get encouraged to go out there and get that money Question number four comes from at D mech and he says is it necessary to have a high roof van? Or will a savannah or an express work? I want to say this it is not necessary to have a high roof van It really depends on what you're trying to do And your goals and everything get what works for you get what you can afford get what works for you Don't watch out there and try to get what everybody else get stay in your own lane do your own thing Don't worry about what everybody else doing you can get it with a savannah van Express van and then if you want to get a bigger high-top van later Just work your way up that way Don't watch out there and think you have to get this and get that you don't gotta do all that Give what you can get and go out there and get a grip Question number five comes from at mike finnelli and he says Why do most people not set a daily goal that will not only pay for their business but also pay for themselves? Instead they typically only Set a goal that's enough to pay for the business and not enough to actually pay for themselves or vice versa Mike what's going on, Mike?  You watch my god double M That's my this is nickname.  I said it first Let's make sure you say that now I know you've been watching this content and I definitely agree with all the stuff that he's saying But for the most part in my opinion people are not looking at this as a business. They don't just not a business to them This is a way for them to not work their job So they figure if they got their job and they was making 20 25 30 hours an hour And they can go out here and make the same amount and they'd rather do that than have a boss That's the way people think nowadays. They don't think about those, you know mark He scaled up. He did all this they don't people don't think like that. They didn't think about no scaling They may say they want to scale they may say they're gonna scale.  That's all they want to do They don't want care about getting 15 trucks and doing all they don't they don't care about that All they want to do is be able to provide for their family and make as much money as they can That's the reason why when you watch the testimonials from my god double M Most people are are Interchanging funds called mingling the funds and moving it over here spending enough That's because they're not running like a business and I do also want to say this that all of this takes time If you plan on scaling later on you might not look at it the same where you're gonna look at it like right now Versus we look at it later on right now You might be doing the money moving it over here doing it doing it doing it doing that But later on you're gonna in order to scale you're gonna have to start paying your employees on the stuff So you're gonna look at things way different than you just being one person doing it So that's my honest opinion. Most people are not looking at this like a big Business and they're gonna scale. They just not there's a sign of how they thinking They're actually out here trying to get as much money as possible and provide for the company. That's it That's all they don't want to I mean they may want to they dream It may be to one day own all these trucks and all this But they most for the most part in my honest opinion majority of people are not gonna do that He's just not Question number six comes from at john williams and he says My question is are you ever going to do some lug or instacart cosco batches so we can see you do something like that?  Yay. Hey John. That's john John been asking me to do this look for a long long time. He always been asking me to do this lug and instacart What does he say lug instacart? What else? He said cosco batches and cosco look John I'm gonna tell you right now John. John we did plenty and plenty and plenty of instacart batches I'm talking about we do I got we got instacart videos galore. We got plenty instacart orders I'm videos um as far as lug lug has been reaching out to me, but I'm gonna say this about lug Look kind of be tweaking a little bit I heard that the pay was okay But they a lot of time they seem like they want you to move whole houses But I did we did one time we was picking up some uh creating barrel for our customer And we saw these dudes doing a lug and it was only taking like a dress or something like that But I do want to say this lug wants you to go in the gym or go somewhere else And just put 100 pounds like just right here like this Why don't they want you to do it? That was lug right? Yeah They want you to just go to the way room. I ain't about to go to the way room do all this Look, they want you to go to the way room put like 50 pound like 100 pounds like this I don't like this so show that you can't carry now. I do understand that No, that's that's a good measure for them to make sure that you can't let this stuff I get it. I actually understand it But at the same time who is about to do all that I'm not about to be going in a weight room and do I'm not that look ain't you already paying that good what I look like it's just how I look at it But it's the card as far as it's the card uh Costco batches You never know you never know we might go out there It's cool. You never know you never know what may happen Um, but I also want to say this though one more thing I kind of feel like the way I look at things is I feel like I'll be going backwards I don't know why I just feel like I'll be going backwards Because I already did that before we already conquered that we already did all that stuff and now We move over to this side And then it depends if they do start having like bigger loads for sprinter vans. Absolutely We go out there get busy Like we get a whole bunch of cases of water whatever the pallets of man They go do it like that But um, if they have like an excel program or something we definitely do that and we definitely make the video for y'all So y'all go out there ball But other than that I might or might not I really don't see it in the future But you never know what may happen Question number seven comes from at DMACC and he said did uber and doordash contribute a lot to you saving up for your Van and do you think those are still good options for people to do now? um I would say as far as the van spark all the all the way spark Spark a we was doing spark. We was getting busy. I'm gonna tell you right now when we was doing walmart spark We was out there getting busy. I told you guys before we had most we ever got like five or six hundred dollars in one day And it was probably like five hours of work So spark was the main thing that got us the most money the fastest with walmart spark As far as doordash and uber eats Uh, they they every look every app played a part. I ain't gonna steer in job Knock uh do over each or doordash every app played a part But all you got to do with the money is be smart You got to be smart with the money when you get the money say the money say the money say the money Invest the money invest the money invest the money and then you grow and then you will go out Then get your van or whatever you need to get what was the other question? Um, do you think that there's still good options for people to do now? I Don't know if there's a good orders out there. I don't know where the good spots to go to get the orders I really don't know nothing about uber eats and doordash anymore like at all. Um, I do know that It is just a couple of youtubers that do still do doordash and stuff. So you may want to check out their channel I know about benny coop And megan megan. Well, I don't know. I I started started cut off your question I don't been there for a long time. I've been there for a long time I've been there for a long time and I've been there for a long time and I've been there for a long time and I've been there for a long time I know benny coop still do it. They say page roe and I don't know who else do I just know benny coop His name is benny coop is doordash diaries doordash diaries and page roe I don't know his name on youtube, but I know his page page roe Um, also, I do want to say this right now and y'all clip this up It's in the tour shoes shout out to megan Megan is the first one I've seen with the with the with the camera on the top of her head like this Walking around recording videos shout out to megan and I do want to say I'm proud of her because She didn't let everybody put her in the box She did switch her channel up. She went from doing doordash and uber each and stuff now She do game and different things like that So I want to say she'll shout out to her for not letting them put it in the box I'm very proud that she did that because sometimes It made people think people may think it's just all you can do you can do whatever you want to do It's your channel do however you want to do. I spit the high fluid So she'll shout at you and I appreciate the question on to the next one Wait, wait, wait, wait, wait, we ain't going to the next question yet I do want to say something that's very important about you asking about doordash and uber each This is my this is my personal opinion. This is what I want to tell you This is going to help you out a lot Do not rely on one or two apps get as many apps as possible I literally have a video showing you guys 30 apps Go watch the video and sign up for all the apps you can Do not do not because you limited in yourself Do not limit yourself if you want to make as much money as possible You just have as many apps as possible because what if doordash and uber we saying boomer right now What if sparky is and what if freight and all these other different apps are booming so Sign up for as many apps as you can so you can go out there and get them bands. I hope you understand Question number eight comes from at one two three little wax And he says how do you add your business name in ein on the gig apps and not use your personal social security number Um some will allow you to and honestly a good amount of the apps will not let you do that Most of them want you to put your actual name your uh social security number in there. I know that Curry curry curry curry curry I do know that curry allow you to put it in I really don't know about all the other ones. I know for short curry does But a lot of the other ones don't allow you to do that So I guess they want to use your personal information. I'm not sure my question to you is answering the comment My question to you is what makes you want to put it in your business name versus putting it in your regular name The way I look at it is whichever way I got to do it Yes, I would prefer to put it in my business name, but if I can't do that I can't do that I'm not going to stop myself from making the money because I can't put it in my business name I'll put in my social security name and the social security number and do it that way Whatever you got to do to go out there and get busy do what you got to do y'all know my flow stick like the flow Question number nine comes from at nick and he says I know you mentioned before that you don't trust other people and you find it hard to depend on other people Helping you out with business. How would you be able to scale your business with just you and your partner? Nick that is a great question. I already had to answer nick already been mapping everything out already So this is my plan If this ever happens because I still don't know if I want to do this or not The only way I'm going to scale is if I have enough work to scale sometimes people go out and buy these vans Van van van I got 17 20 vans and you ain't got nobody to put them in the vans And you don't have no work for the vans first I want to say this before I even get it today Make sure you guys get the work first y'all trying to do y'all trying to skip steps and no skip step No, no, no step skipping we did get whatever vehicle you do Get continuous work from whatever you're going to get it for 10 years to 10 years And then once it becomes so overwhelming that you can't do it with one van or more Then you get another one then you get another one then that's that's that's how you do it Don't just go out there buy one van. You do a few gig gaps You make $500 one day you make $200 one day 500 and then you black man Look, I'm just gonna go give me another van or go give me another car or whatever and give me another one And if we're gonna make more money, that's not how it works Wait until the money is flowing in so good that you have to get another van. It's forcing you to do that now um as far as Scaling if I ever scale which I don't know if that's gonna happen or not But if I ever do scale, I already got my plan mapped out. I'm gonna let my mom my mom is going to run this whole self show Me and my business partner gonna own it. My mom has managed people for many many many moons She knows to look for she knows the right people to look for she knows the people that's gonna get the job done She knows it's this whole thing. I'm gonna try to look up this. Let me say I'm gonna get y'all some gyms Now, let's see what I'm saying write this down Look up. It's called colors. It's been called colors. I ain't talking about gucci Blowing white not gucci blowing my charger and all that It's called colors It is like a program that helps you Judge people on what color they are and to have a great team You have to have certain colors in your team So you need to have they have colors like blue gold Yellow green different colors like that.  She she asked to be certified to do classes like that So she knows what to look for with the people that she's gonna need to make the right team So This is what I would do. I'm retire her from her job. Boom. She ain't doing I no more now We as fool we are I'm talking about we getting busy. We got so much going on. We need her Mom, I need you to set this whole thing up I need you to hire the right people She's gonna hire the right person that's gonna go on to her because my ultimate goal is to retire her So she's gonna get everything right. She's gonna get the right person. She's gonna hire the right person Her and I'm gonna work together. She's gonna train them. She's gonna show them everything they need to do She's gonna say no more. They're gonna hire more people and that's how that's that's the way I would do it That's the old way I would do it That's the only person I really choice to do is that how I need to be done Because she ain't gonna skip those steps. She's gonna do it exactly how it needs to be done That's why hey, I already got the team and not to mention I gotta look I got a little secret too My business partner was managing people for a long time two before we got into all this stuff So I got two people that's gonna make sure it's happening. It's gonna happen. Right. So we get our pockets tight Question number 10 comes from at crossover and they say I want to start a cargo van business And I started watching all your videos. I was wondering. Do you have a mc and a dot number as a cargo van owner operator? Me personally, I do not have a dot or mc You do not have to have a dot or mc Unless you want to create your own authority and all that stuff If you want to learn stuff about that my god the gig geezer go subscribe to his youtube channel He talks about different stuff like that. He has an authority and mc and a dot and all that stuff Me personally, I do not I never had it. I already know even know much about it Um, I use a carrier company to get all my loaves instead of Going and doing it all myself because I don't want to do the factor and you got to go factor You got to go chase people down for your money. I don't want to do all that I don't mind the carrier company get them a little cut off the money and I get what I get as long as I get what I I think I deserve. I'm cool with that. I don't want to deal with all the other stuff Um, it's a lot that goes into that and I don't think a lot of people really talk about that But it's a lot that going toward it. I don't want to deal with so Huge out you for the question No, you do not need an mc or a dot or authority to get a cargo van so you can go out and get the van Question number 11 comes from at eye hall gigs and they say would you ever have your van Designed with your company and logo on it At this point, absolutely not. It's way too early. It's way too early The only way I would do that is a full scale, but I still kind of skeptical on I want to say no I'm saying absolutely not you want to know how well I'm saying no because I I don't know She ever even see a video like this. I met this lady when I was going to do one of these pickups, right She's actually a carrier herself.  Don't cause too much attention to yourself I guess that when you do all that stuff it caused a lot of attention and what if something bad happened What if something bad happened not your stuff is just all on what if you got a driver You had full scale you got drivers swarming out of traffic and not even not even yelping and googling Give you bad reviews because you got people all doing all this crazy stuff So me personally as of right now, no, I'm not going to tag my van and put any stuff I want to put on it and I know that most people think that it's good advertising But let me ask you this question I want to ask you and all the people watching this video right now this question How many times have you seen a van? Spark truck or any of that stuff drive down the street and you reached out to call them for a service Answer that question for me How many times have you called 1-800 drunk removal? How many times have you really called them? And you seen the van said I'm gonna call them. I don't think it really happened now. What about you? I don't know probably not That's what I'm saying. Everybody think it's all every time. It's not what people really may think it is I noticed that a lot of people get their stuff wrapped. Well, not a lot of people But some people get this stuff wrapped I can understand if you have a big huge company You want everybody know your company and all that stuff and you have full scale You got all this stuff going on that makes sense But if you only got one or two or three vans and all that stuff I don't think you should do it. That's just my personal opinion But everybody can do it how they want to do it. Thank you for the question on to the next one Question number 12 comes from at DMACC and they say how do you manage During the slow times when the apps aren't putting out very much?  It's nothing you could really do The only thing I can say that you can do is get a dedicated ride If you get a dedicated ride, you're gonna make the same money every day Monday through Friday or whatever Saturdays and Sundays you work You're gonna make the same money every single time while you're out there on the grind As far as gig app goes, it's just inconsistent You're not always gonna hit every time every time every time Now let me say this There is some places and some people that hit every day They go somewhere every day Monday through Friday is somewhere I'm getting busy For some reason someone don't see me the orders no more So I don't know what to do about that. It is what it is So some people have they have it set to exactly how you're supposed to do it I'm gonna go here at this time. I'm doing this at this time. Boom By the time I get this, no, no, no, no, no They got a set they'll get that someone order every single day money through Friday So if you catch you look like that and that that work out good for you But other than that, everything else is inconsistent Also, it really depends on your area because some areas have someone some of them don't And some of them might have other stuff that's going out there So I really don't know I do recommend that if you're going to be doing The gig has to get again like I said earlier get as many gig gaps as possible Because this one might be off one day and this one might be on the other day So just get as many as you can and just do it that way That's what I recommend when it's slow. Sometimes it's don't get no dough It is what it is. Sometimes you got to know when to hold them Know when to fold them and know when to run and sometimes you just ain't gonna make no fun Question number 13 comes from at Bob the Builder and he says Pretty much he doesn't have a van exactly yet. He's in the research phase right now He's having a hard time with some applications because they want you to put in your vehicle Information and since he doesn't have the van yet, he doesn't have van information to put in He is trying to make connections with places, but it's been very difficult and he's asking Do you know a better way for him to make connections? I'm gonna tell you the truth.  Look, I'm gonna tell you this This is what I'm gonna tell you this is what I would do if I was you First off Sign up with all of the apps with your car Don't you don't have to wait for no van sign up with the car I've been selling this for a long time. You may be new to the channel.  I ain't trying to hear you now. There may be a Person or two who did come along and run up to a Direct shipper and they was able to get busy like that. But that's not normally how not how it happened That's normally how not how it happens You got it's really built on relationships. It and also I do want to say there's nothing The best advice I can give you is if you're going to try to get the connections to target smaller companies Do not try to go to war burning loaves and that ain't how it's gonna work The smaller companies now say you did an order on something else and you Taskwrap you had to tell to my guy Gig tammin. That's how he got his direct shipper. He said on his video He went to pick up some blackboards for a person on a task rabbit The task rabbit app he ran there. He went to pick this stuff up and the people asked me you got the van You do deliveries and that's how you got his direct shipper. So Use task rubber and stuff like that and then try to get your Customers that way other than that. I really don't know because I don't know myself I don't even have a direct shipper myself So I do have you know regular customers that we do stuff for like moving here stuff here and there But it's not very consistent. So that's my recommendation for you. I hope that can help you Hey, you gonna go you get a very soon.  See, I ain't thinking about this That's how you got to have a business a partner a team together each achieve more now She said that a great way you can find some people is by going on indeed That's how I found carry companies and everything but you can do it another way You can reach out to some companies and see if they have anything that they need like shit Directly from them to somebody else Maybe they got another store. Maybe they got somebody else to need some move over there move over there So kind of reach out to different people and see if you can find some that way off off indeed I think that a lot of people be sleep on the D and D got some gyms in there All you have to do is keep on searching.  Not the greatest. I'm just gonna be honest with you. Not the greatest and I found this So somebody put me on someone put you on right now I at my old job is want to do is his name His name is vato. I call them vato's vato's my god vato's his name was memo But he was used to work on cars and stuff like that and he told me something and I actually Found out that what he said was true My business partner before she had the infinity. She had a Yukon a new condonality. No, you can't know nothing that way right? She had the Yukon right gmc. You John that has a b8 engine in there b8 The infinity has a v6 the infinity and the v and in the Yukon The gas was low key better in the Yukon but the gas was low key better in the v8 versus the v6 so The gas want the greatest i'm gonna say that and you got to put premium in that joint too. Don't and don't forget about that So if you don't have infinity if you have another suv make a wrap for like some suv's have four-cylinder engines in there Now all of them have the v6's so if you get your four-cylinder suv I think that's a perfect thing to use or you can get your minivan to go out and get the man's the minivan You're gonna be minivan dan you get the minivan. You're gonna be able to get busy with that So I would recommend if you're looking to purchase the vehicle or if you already have a vehicle Use the one with the four-cylinder versus six and if you have to be if you have to pick between The six and the eight i'm going with the eight And then he said Also, are you still flipping houses? If so, do you plan on dropping that kind of content? Um as of right now, we're not flipping any houses There's from what I understand not very many deals out there as of right now the interest rates are way too high right now So me personally and let's say it has to be a killover deal. I'm talking about A whole lot a whole run for me to uh buy this property and pay that eight percent interest rate I Don't think it's a good time to buy right now That's my personal opinion unless you find an excellent deal and it's going to make money later on If you get it for eight percent interest rate and then you wait for the rate to go down refinancing and do it that way Yeah, but as far as finding good deals right now with the interest rate that hide I don't see any right now. So It's and and and my fault the content Do I plan on making some house flipping content? And uh, I don't see it. I don't see it. We have opinion house reviews We have when we flip house and all that stuff. Nobody was interested in smart stuff like that They were not interested. Maybe I was too born. Maybe if I did it now, maybe it'd be different I don't know. So maybe we don't know we don't know what we're gonna do man As far as right now We are just focusing on doing the gig guys are trying to build the youtube channel up and make it better But um later on you never know we might make another channel with that or we might keep this channel I don't know. I I I don't know the future Whatever happens happened. We get to this money when capping. I hope you guys enjoyed this video Again, if you are not subscribed make sure you subscribe and also don't forget to give me a thumbs up And if you're a part of the crew, you already know what to do Throw them sees up in the comment section. I appreciate you guys for tuning in to band talk episode Seven the grand finale Season one is done, baby.  I answered some questions I hope that I helped some people out there and I don't know when teaser tour is going to come out So make sure you stay tuned and stick around and get to a all 2024 way and plan around if you hang you a clown I'll see you guys on next week. We're going before you already know it is dk and I'm on my way


Welcome to All Hands Update, I'm Petty Officer Tony Rosa. CNO presented the Vice Admiral James Bond Stockdale Leadership Award during a ceremony at the Pentagon Hall of Heroes December 4th. This is the only award nominated by peers, somebody that you have to take the time and out of your very, very busy schedule in the most complicated, difficult, but rewarding job you've ever had and say somebody else deserves to be awarded. I want to acknowledge that person. One awardee, Commander David Duff, shared his thoughts on receiving the award. To say that I'm humbled to be standing here today is probably the understatement of my life in a room that's surrounded by the heroes that have stood before us and all that they have achieved in their service to this nation.


Everybody forced here. I'm doing the 2022 Sunday fund a regular season Mixer promo here. So we had 17 regular season mixers every week except week 17, which was New Year's Day So we kind of just ended up not doing one then but that was kind of the plan originally. I think with a 17 So we'll go for the prizes here So we'll have 17 winners there were 504 504 total spots in the mixers this year Over 17 weeks some of the mixers were 30 spots some of them were 28 spots So yeah, let's see our prizes top 17 and We'll go in this order the top the top two spots are gonna get one sealed box of 2021 prism first off the line Which is about a $2,500 value So top two in this random and you'll see it once I do the results here It'd be pretty explanatory with this one So again top two spots each getting a sealed box shipped to them 2021 prism first off the line the third spot The third spot in this random is gonna get $2,000 in break credit added to their account. You do have to have an account if you are If you are the winner of this if you already have one It's still gonna automatically get added over the next like day or so here The fourth and fifth spots will each get a sealed box of 2021 prism football hobby So again four and five 2021 prism hobby boxes the rest of the spots. So the rest of the Would it be 12 spots here are gonna get memorabilia. We're gonna go over the memorabilia now all of it So six spot in the random This is actually pretty hefty This is a crazy one a better hang on let me I didn't prepare to show memorabilia here So let me do that.  I haven't seen one like that So yeah, Notre Dame legends helmets six signatures. I don't know most that I just saw this for the first time I know there's a Lou Holtz in the center up here But he got the other ones are tough for me to tough me to tell So yeah, that's that's gonna be the sixth spot in the random The seventh spot has a Chicago Bears replica Triple auto of Mike single Terry dick but kiss and a Brian Urlocker All Hall of Fame inscribed. So you got single Terry But kiss up top and then Urlocker So that is spot seven in the random number eight Eight spot an authentic Matthew Stafford helmets authentic Matthew Stafford Some of these are replica some of them are authentic. I'll specify what's what here. So yeah, that is an authentic Matthew Stafford After that, make sure I got the order right here a Trey Lance replica helmet Trey Lance replica helmet for seven spot Eight has a Debo Samuel authentic helmet. This is an authentic Debo Samuel I say eighth Not eighth tenth. I kept saying eight So yeah, six Notre Dame seven Bears eight Stafford nine Lance ten Debo Ten is Debo four hour queue for personal four hours after that So the 11th here is a Mac Jones replica helmet. I say one of the bigger signatures. I've seen Mac Jones sign right there Mac Jones replica helmet that Would be the 12th spot in this random a Joe Namath Broadway Joe. That's a huge auto on that replica helmet Broadway Joe After that is a Tyler Murray signed Jersey here Tyler Murray Jersey That would be 13 right? Yeah 13 Tyler Murray 14 Nick Chubb replica helmet 14 right there Nick Chubb replica helmet Eric Dickerson replica Hall of Fame inscription helmet. That's 15 16 a Curtis Martin replica helmet jets Curtis Martin replica helmet That is 16 spot and the last prize number 17 a war and moon Hall of Fame inscribed helmet War and moon replica Hall of Fame inscription helmet. All right, those are all of the prizes. So again you'll see Everything after the random you'll have your whoever the winners are your names and ranks the prize Okay, you're ready for the random here. I'll show you kind of show show you how everything's laid out Okay, so Here we go I'll show you real quick before we roll the dice there we go So there's names and then there's the weak number of the mixer. So there's no confusion as to Who the winners are if there's like duplicate names So yeah every week but 18504 entries Let's go ahead and roll the dice Find out our winners. Thank you again everybody for filling up all 17 mixers We will continue mixers into the postseason as the playoffs start next week leading up to our Super Bowl mixer Just stay tuned for more info on the Super Bowl mixer. We'll get some coming up for you shortly here I would think I know we're I know we're working on it. We just don't have anything super finalized yet. So Thank you very much everybody and good luck Good luck Lot of big prizes here six times six times and again the top 17 After six are the winners and you can win more than once obviously because one spot is one entry. So Here we go six times best of luck everybody one two Three Four Five and one more good luck six All right, we've got Eric are at the top here. I'll kind of move everything over I'll kind of scroll through here. You can see your top 17 right there I'm gonna move it over in a second here and then this will be posted to the To the site so you can see Every single person I'll also scroll through it fairly quickly once I move it over to the spreadsheet here But there it is guys There it is. Good luck. Congrats the winners. Let's read off who the winners are And again, all the results in their entirety Will make it to the website. So let's do this perfect perfect and let me bold and 14 All right, and there you go Eric are week seven Prison first off the line and Eric are week 13 at 2021 prison first off the line as well Travis you week six 2k and break credits Joel G week seven a 2021 prism hobby Harper B week eight a 2021 prism hobby Sean M week five get the Notre Dame legends authentic helmets six-way signature there Jody M week five a Bears legends replica helmet that we showed David B week for the Stafford helmets Chris G week one Trey Lance replica helmet Or in W week 18 the Debo Samuel authentic helmet Kyle P week for Mack Jones replica helmet Joseph D week 12 Joe Namath replica helmet and Joseph D week 18 at Kyle Murray Jersey Joe L week three the Nick Chubb replica helmet Jeremy K week 16 Eric Dickerson replica helmet JJ G from week eight Curtis Martin replica helmet and Austin B week 18 The Warren Moon replica helmet so again everything you see here is gonna get posted. I'll scroll through fairly quickly but again All of this is gonna be posted you can scroll through And be keeping track of this all season long Lot of names, okay Congrats to the winners. Everything will ship to you To the address that's on the account if you need other shipping information to us Please email us laden sports cards at gmail.com if you'd like it shipped somewhere else Otherwise, it's gonna go to the address on your account I would assume if you need anything else other than that late sports cards at gmail.com to get a hold of us Thank you everyone to fill these up. Congrats on the winners. We do appreciate it


Hello! Welcome to the Handbook for Administrators of French Immersion Program Series. My name is Fred Kreiner. Let's get started with topic one, Understanding French Immersion. Under this topic, we'll be looking at the basics of French Immersion programs. What is offered here in Alberta as far as French language programs, the different settings that you can have in your school, some key characteristics, language learning, how and why French Immersion actually works, the goals of the program are, and finally, we'd like to provide you with some reassurance on how you can be the best French Immersion administrator possible, whether you speak a lot of French or not. In Alberta, there are basically three programs that are offered for students to develop their French language skills. The first is a Francophone program. This is designed for parents of Francophone students. As a French Immersion administrator, it's important that you're aware of any Francophone programs offered in your area, and you are required to make parents aware of the availability of those programs. A Francophone can exercise his or her right under the section 23 of the Charter of Rights and Freedoms, and has to note on their school's registration form that their child has the right to Francophone education. The parent may not choose to exercise that right at this time and register in a French Immersion program, but this is something that needs to be done as a declaration on a yearly basis. One of the major differences between Francophone schools and Immersion schools is that in a Francophone school, students are attempting to identify with the Francophone culture rather than just learning to appreciate it. In a French Immersion program, it is designed for students who do not have French as part of their family heritage. In this program, students are going to be focusing on appreciating French culture. It is designed for students who do not have French at home. And thirdly, there is a French as a second language program that is designed for students who want to learn French as a subject, along with the regular English curriculum. French Immersion basically has students taught a maximum number of subjects from kindergarten all the way through to grade 12 in French. Students follow the Alberta program of studies and can begin their immersion program either in early immersion, which would typically be in kindergarten or grade 1, in late immersion, which is typically in grades 6 or 7, and middle immersion also exists where students would begin in grade 4 or 5. You could also have a single-track school or an immersion centre where all students registered in the school would be following a French immersion program, or you could have a dual-track school where an immersion program is housed together with a regular English stream program, or possibly another alternative program making it a triple-track school. Some of the key characteristics is that the French immersion program really is not designed for families whose heritage is French. In fact, it is designed expecting that the students will not get any French support at home. Students begin the program usually with little or no French background or capabilities, and that is why it is important to have intensive instruction in French to get the kids developing some basic skills so that they can begin their learning not just of the language but of all of the curriculum. The language of instruction is to be French at all times. Teachers should not be repeating everything that is said in French in English. This will create students who become a little bit lazy and wait for the teacher to say it in English rather than focusing on the sounds and words they hear to develop their understanding. The French immersion program does follow the regular program of studies of Alberta with the inclusion of a French language arts component. Let's talk a little bit about language learning. Second language learning and first language learning are not necessarily the same, but there are some similarities as well. The children learn by interacting with their environment to satisfy their communication needs. At the beginning, this interaction involves approximations. It also includes taking some risks, negotiating meaning. To encourage students to communicate, the child needs to feel very safe and that is required is a secure environment where they can take risks and express themselves as best as possible without the fear of being laughed at or corrected in a negative way. Language is also learned globally. Students will learn about listening, speaking, writing and reading and they're all interwoven and not necessarily acquired in a linear fashion. If there are similarities between learning a first and second language, there are also differences. One of the major differences has to do with motivation. A child's motivation to learn a first language is usually very, very high. They want to get around in their environment. When you're learning a second language, the motivation is not always as strong because a student can always fall back to their first language skills. Knowing this has a significant impact on how teachers teach and they must be familiar with immersion pedagogy. They need to be able to create a safe environment where their students are comfortable and their attempts to use their second language will be rewarding to the student. They have to find authentic and motivating learning situations that will compel students to communicate in French and so motivation is a very, very important factor in second language instruction. Teachers also have to ensure that what's happening in the class is based on the learner's interests and needs as that will increase their motivation to use the target language. Why French immersion? Well, here's a few of the reasons why parents choose to put their students in French immersion programs and in late immersion why students may well choose to be in a French immersion program. This is a summary of a video, Advantage for Life. A hot link for that video is provided if you download this PowerPoint presentation. How does French immersion work? Well, it's interesting. Students learn the language. They learn about the language, but most importantly, the students actually learn the entire program of studies in mathematics, science, using French as the language of instruction. The combination of those three things brings about a student's French immersion experience. Just a note, all teachers teach language while they're teaching other subjects. In French immersion, the challenge is that you not only teach a language, you are teaching a second language to students as they learn their mathematics, social studies, science, and other programs of studies. What exactly are the goals? What do we expect of French immersion students? Well, they're certainly expected to understand all of the complementary and core courses that are provided in the Alberta program of studies. There is, however, something that is worth mentioning here. There is a myth that students have gained a functional fluency by the time they have hit grade 6 or grade 9. In order to be functionally fluent in the working world, students should complete a full French immersion program right until the end of grade 12. Another goal of the program is that they gain an understanding of Francophone culture. French immersion students are expected to willingly and easily participate in French conversations. However, they will not achieve native-like fluency that a Francophone student would. Typically, French immersion students will make small mistakes in the use of prepositions or in using masculine and feminine, but those shortcomings doesn't hinder their ability to communicate clearly a message or to understand a message that is provided to them by someone else. It is a hope that students would be able to pursue post-secondary education in French or accept employment where French is the language of work when they have completed a full high school program of French immersion. When we mention the words of full high school program, offering only French language arts and social studies does not constitute a full French immersion program at the high school level. What about you as an administrator? Do you need to speak French to be effective in your job? It isn't necessary. In fact, having a positive personal attitude about the language is more important than your ability to speak French. You also have to believe that French immersion is one of the best ways to learn a second language. If you believe that and have developed your knowledge through this series of workshops about how French immersion works, why it works, and what you can do to ensure it's successful, you can be a very effective administrator in a French immersion program. One of the important jobs that you have as a French immersion program is to advocate for the program, making sure that it's accessible and sustainable in your school. It's also important that you value the French language learning that is taking place in your school. Very simply, a visit to classrooms where you interact in French, even if it's through very simple sentences, will show both teachers and students that you value the fact that they are learning French and teaching French in the school. This is the first in a series of eight sessions to provide you with background information on the French immersion program. The entire series is directly tied to the Handbook for French Immersion Administrators 2010 published by Alberta Education. Specifically in this section, I have covered Chapter 1, Sections B to E, and Chapter 5, Section 8. The French Immersion Administrators Handbook is available online, and I invite you to consult that to further your knowledge of the French immersion program.


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Assalamu alaikum, hello and greetings from Pakistan. Family doctors are community-based practitioners who provide holistic and patient-centered care to the population yourself. Working as a family physician in the country can be very challenging. I like challenges because that's where you identify your weaknesses and strengths and you can acquire leadership role. Thank you for giving this opportunity.


I personally apologize for the late payment this month especially to those of you who depend on receiving the money on time. It won't happen again. We paid everyone two million dollars almost a week late this time. Why? It was because YouTube did not pay us last month. It took YouTube an extra month to pay us a whopping 5.7 million dollars which included 2.7 million from last month plus 3 million this month and that is why we couldn't pay you on time. It's because we didn't have an extra 2.7 million sitting in our bank account to pay you guys the 2 million that we just sent out about 10 hours ago. This happened because our company name changed from any TV limited to Freedom Family Limited in Hong Kong two years ago. Every month YouTube has been sending us money under our old company name and this time our bank denied it. The first time ever and there's always a first someone at our bank decided any TV limited should be rejected and returned to YouTube the 2.7 million and so YouTube did not want to send us another 2.7 million like retry until our next payment cycle. So I hope you guys understand why this was a one time problem that will never happen again because now YouTube is sending us money in our correct company name Freedom Family Limited so there's no chance of our bank denying those payments again. Now some of you had this conspiracy theory. Hey George went to Dubai about the same time that they haven't paid us on time. Maybe he took all the money and left. Guys we've been paying everybody diligently for almost five years every month. Do you really think I would run away with your money and make videos about it so you know where I am in the world and if you still haven't received your money there's a good chance you need a catch up payment where you need to give us the correct PayPal payment info or wire transfer information. You can do that in your shiny freedom dashboard and we process catch up payments every single day or almost every day. For those of you who've been unlinked by Freedom know that you will get paid up to the last day that you were partnered with Freedom and you will not lose any money by getting unlinked. If you have questions about why you were unlinked please email support at freedom.tm. Normally we unlink channels because they are doing things that we feel will get you YPP suspended or terminated. We are very familiar with YouTube's policies around duplication and metadata abuse that I've been making videos about. Click that I over there to learn about all of these tips in our KYC series know your channel. For example news channels that are uploading content without permission like re-uploading Fox News or White House press releases. We've seen those channels get YPP suspended from zero strikes zero content ID matches they look completely clean one day and the next day they're terminated or YPP suspended that is not allowed guys don't think oh YouTube loves me because I have no issues no strikes no content ID matches just by duplicating other people's content without permission can get you from zero no strikes clean channel to terminated in the snap of a finger that's what we've seen guys or YPP suspended so I hope you understand because YouTube has all these new strict rules that govern MCNs we have to abide by them and unlink channels that we feel have a chance of getting an abuse event which is a termination of suspension or a channel-wide demonetization hope this helps where am I filming this this is in Dubai where we are filming for the freedom experience where we want to invite some of you to join us here in Dubai to live and work for six plus months click that I to learn all about the freedom experience and that is a playlist of all the videos that I will be creating while I'm here to document this whole environment this lifestyle the costs and places that you could live in places that you could work in we just finished incorporating our first company it's called George technology fzco so this George technology company is in the Dubai Silicon Oasis in the D tech office I will show you more about that in the future but this is just like a regular company limited liability and fzco stands for free zone company free zone companies are these zero tax companies that I mentioned before all the revenue and income we collect through George technology which I will be driving all of my YouTube revenue through is tax-free as long as I live here in Dubai more than six months of the year now technically you don't have to live in Dubai for six months you just have to live outside of your home country for more than six months I'm a Canadian citizen Canada does not tax me on a worldwide income if I live outside of the country for more than half a year so it's completely legal well documented and I will show you more of the official legal documents that talk about this in future episodes and the websites that you can read if you're not convinced that this is 100% legit and above board tax reduction strategy now let me show you this area where I am living for the next week this is where we are staying on the palm in shoreline seven it is an apartment two bedroom that we rented and we have that view we can go to the beach any time and there's a nice pool as well as a place to eat right on the beach I feel very spoiled for having this environment to live in and work in for a short time the ocean is hot it feels like a sauna you have to go underwater to get a little coolness that's why I actually prefer swimming in the pool which is cooled it's quite opposite from what I'm used to normally oceans are cold but not here in Dubai I wouldn't be publicizing where I'm traveling to come on think about it and of course my goal is to build freedom into an IPO company something we can put on the Nasdaq stock exchange in the future think about these things don't just listen to conspiracy theorists click that I to partner with freedom and join the freedom family so we can all grow together you get many perks like position music you also get epidemic sound a lot of other access to royalty free videos sponsorships and many things to help you grow just click the links down there in the description below to get involved in our community our forums our discord chat servers meet our graphics team meet our community team all of that on discord and the forums what are you waiting for get started and we will grow together as a family because this is the freedom family you are part of it we are all part of it and we're all growing together to get more george click that big f that will subscribe you to freedom central home of the george show and pewdiepie gave one of you freedom family a big shout out click that video to see the shout out and to see our new 3d sets for you and click that video to see what youtube recommends you watch next


Okay, hey guys. Welcome to another video. Alright, we are here for my year 2017 for the month of August. It's my week to teach, and as per usual, I'm going to start my week off by getting my August sections ready. To do that, I have to take June and July out of my traveler's notebook. So let's do that, and I'll give you a quick flip-through of June, of July, I mean. Maybe both of them. And then I'll get them in the binder cover, and then we'll be back. This is June, and then we'll be back with the August setup. So this is the June. Not only did I document, you know, the things that happened in my life during that month, places I went, people I saw, as I've done throughout the whole year, but I really am loving the way these signatures are looking. They're unique. They're interesting. This is the little book, extra bonus-like book, that I did for my niece and her girlfriend's wedding. Love the way it turned out, by the way. If you guys want to see a tutorial on doing these kind of C-themed doodles, let me know. Maybe we'll do it as a bonus. But so, so, so cute. And then this is the rest of the month. So this is going to go into the storage binder in with June, July. Had my mammogram. Results are clear. Woohoo! I got a little postcard and a note from Mr. Mike Deacon, so I saved that. My husband and I are doing 23andMe. That's going to be interesting. I don't know. And we went and saw the Book of Mormon. So I'm going to get these put into the storage binder, and then I'm going to get the August signature out and figure out what I want to do with it, and I'll be right back. Decorating another storage binder to hold July, August, and September. It's only got July in it right now. And, yeah, that was a lot of fun. And using up some just bits and pieces I have laying around that I've been meaning to use for a long time. I put August and September in my traveler's notebook. And these are how they were when I first created them with a little bit of decoration, but not too much. I don't want to start with a blank page, but at the same time I don't want to put too much because I want to leave it open to interpretation for that month as the year goes on. And I made all of these at the end of last year, 2016. There is a video for that. I keep getting asked about how I made these. There's a video for that. If you go back to the January videos or there's a getting started video link list or something like that, go back there. Alright, so this month for August our theme is hot and cold and there's a lot of ways you could take that. Let's talk about them for a minute so you could take it as a temperature thing. Is it hot right now where you are? Are you in summer like we are here in California or is it cold? Maybe you're in the middle of winter if you're like in somewhere like Australia. Is your life hot or cold? What do I mean by that? So are you just going through life like sort of frozen and cold and not really excited about anything? Or are you just really excited about life and living and the whole process? Are you hot or cold about your artwork? Are you familiar with painting using hot colors or cold colors? There's a lot of different ways you can interpret this prompt this month and I want you to think about them as the month goes on and use some of those in your journal. I have some ideas about how I want to use them in my journal for this month and as I film my videos for the week I will probably come up with more ideas. My process is very organic so I usually leave it fairly open for interpretation as the week goes on. So I'm going to decorate my August section and we'll see where I go with that. I need to put my book list in there. This one might be kind of big but I want to try to use it and I will be back when I get that done. Hey guys I am trying to film this before the tile guy gets here to start on my bathroom. Okay so I have already taken my book list for our monthly book review and I've it was printed on just plain computer paper so I've gone ahead and glued it and used some decorative washi tape sticker things that I had to attach it to a tag and I'm going to tape it in to my August section with some of this decorative masking tape. This is by Scotch brand I've been asked a kind of a lot recently where I get this at. I get it at usually staples but they also have it at Target by where they have the other masking tapes sometimes in the hardware department sometimes in the office supply department. I'm going to leave like about a sixteenth of an inch between the tag and the edge of the paper to give it you know room to fold and I'm going to tape it in and then I'm going to put another piece of tape here on the back side. I apologize for things beeping. So that's in. I am going to use some of my stickers to decorate my August section some more. I am going to go ahead and write down at least one day I know for August that's important to me. It's my birthday. So here on the right side of the dirt as my dad would say so it's all good. So I'm going to use a combination of some of these stickers that I have sticker sheets I'm going to try to use up and actually some new stickers that I just created out of journal pages and some background papers of mine and this sticker sheet download is available from my Etsy shop. It's formatted to print on these Avery sticker sheets but you could just print it on computer paper and then cut and paste them in. I printed it on the Avery sticker sheets so I'm going to do that and I'm going to fast forward through the process and I'll be right back. I'm going to do it as I'm doing it I'm going to keep the prompt hot and cold in my mind. For me August is the hottest month of the year generally where I live and always it's my birthday month is like the hottest time of the year it's just sucks but there you have it. So I'm going to keep the warm summer sun in my mind and use things that spark that in my imagination and remind me of warm summer months and use those colors and or symbols in my decorations in my month for August. So I'm going to speed forward through the process I'll be right back. Go ahead and decorate your pages or signature or book for the month whatever form of journaling you're doing whatever device you're using to document your year to to journal about your year. Go ahead and decorate your pages for August and we will be back in the next video with something special I think that for me says something about our prompt hot and cold something special I think for our pages that I thought of actually just last night. So I'll be back with that in the next video. We will have a book review of course this week and a couple of other things. We'll see what happens and have a great day. Don't forget to check out the video description if you're not part of the my year 2017 Facebook group and you'd like to be or my other Facebook group or you want to take a look at my website send me happy mail support my channel by putting something in the tip jar shopping in my Etsy shop any of those things they're all in the description so check out the video description don't forget to like share and subscribe the most important thing is to go out and have a great day do something nice for yourself because you deserve it and I'll see you later. Bye guys.


Okay, very good morning. Hope everyone is well. It is Tuesday the 15th of October Going to run you through the morning's headlines from an update on the trade war Brexit gonna look at oil and we're gonna look at earnings from my perspective also gonna look at Chinese inflation data overnight But to kick things off quick overview of just general market sentiment at the open this morning stock futures are Trading on the front foot this morning We are already testing the R1 in regards to the US indices in both the S&P and Nasdaq That the DAX though outperforming the touch already had a run-up to its R2 this morning So after what was a fairly Kind of benign finish on Wall Street. I mean it was actually in the S&P early down marginally The Asian stocks not really giving away too much if anything a little bit of I Guess positivity just fading late into the session yesterday about the the kind of how long-lasting or in fact How this Chinese deal will play out in the long run that they broke in that partial deal at the weekend But this morning things a little bit more positive again There is a bit of an update on Brexit which has meant that in that top chart the pound is out performing a little bit I'll get into those headlines in a moment So gold down only slightly about two dollars just sub its pivot at the moment having broke below that point in the futures earlier In the session and the US 10 year Slight positive on the the session But only a touch about three ticks at the moment and then WTI crude is still trading lower by about 40 cents this morning So the cross asset class mick cross asset class is a little bit mixed at the moment Oil and gold down. I mean the dollar is recovering a little bit at the moment It's basically reversed its losses to flatten the Dixie given some of the upward movements seen particularly in cable this morning Eurodollar though and cable seeing a little bit of a divergence there and definitely because Sterling currency is underpinned by some fundamental developments on Brexit which we'll discuss But going straight into the headlines This is quite interesting chart. I saw this morning. This is looking at the MSCI Asia Pacific Index daily move and so just looking at the broader Asia pack region and looking at the percentage changes that generally We've been seeing in this index and the point being is that the latest partial trade Deal between the US and China in the last couple of days is being met with Smaller or more shallow kind of reactions in the market and I think it's almost like the Feels like we're in that boy that cried wolf kind of mentality where it's kind of like okay Yeah, we have this short term Reprieval relief in the markets. They kind of lift but then it's like well, okay So they've committed to do what they've already been doing which is purchase larger amounts of agricultural goods And then in kind the US delays tariffs that we're going to be implemented today But the December ones are still there as a looming threat So all in all is this really a partial deal of the is this more just a kicking in the can down the road exercise? And it almost feels like we're back in that that kind of continuous loop again And I think that's largely reflected by the way that the market participants now reacting this to this type of information It's kind of having lesser playing for its buck in that respect And it's kind of what I was trying to suggest yesterday that I don't really see much more in it in terms of response Given the fact that ultimately they're still much to do on Things like intellectual property theft and and those looming tariffs in December. So With that being said although Trump has Being talking this up because obviously it looks good for him. It's almost as if then part of the back Door discussions have been well Stephen as in the US Treasury Secretary Stephen And you go out there and start just firing a couple shots Over the barrel saying that you know, there's a new round of tariffs set for December 15th For a hundred and fifty six billion dollars with Chinese goods that will be triggered if Beijing failed to seal The limited deal tentatively struck by Trump last week So it's kind of a bit of a warning sign there from the US to say to China because we've been here Of course many times before they kind of have a deal in principle But then it ever really gets ratified and so the US just kind of stamping down their foot to make sure that that does in fact Happen at this point. So still much to play for I think with this trade situation But you know as per that previous graph I think any Response in markets is becoming increasingly short-lived and I do think that is a consideration if you're holding more kind of medium-term positions in the market Moving over to Brexit. What is the situation at the moment? Well Boris Johnson's Brexit deal on a knife edge Talks may continue after the Brussels summit according to the EU president now What we've got here is a timeline, of course was that a deal was supposed to have been brokered around now So that then it can kind of be Discussed and finalized in the EU summit happening on Thursday and Friday this all then coming before that Legislation that passed in the UK a couple of weeks ago that Boris must then write a letter to Brussels asking or requesting at least for a delay Now what's being suggested both yesterday and by the presidency of the EU? This morning is talking about well, perhaps then we could have more discussions Ongoing on the sidelines of this summit and as we heard yesterday Could there be another EU summit on the 29th and 30th of October? Giving just one or two days left then to broker this potential deal. So that's kind of Becoming more and more potential For a renewed kind of timeline in that respect But the reason why the pounders kind of responded quite positively albeit originally this morning It's already come back a touch at the moment But this was from Tony Connolly if you don't follow Tony Connolly on Twitter and you are Involved in any Brexit or UK related trades particularly Related to Brexit developments, then you need to follow this guy He is basically the RTE Europe editor and so very much informed with the negotiations that are going on and he tweeted this morning that the UK will table fresh Proposals to break the Brexit deadlock this morning according to his sources He said two well-placed sources have confirmed that UK negotiators will bring forward a new text When they meet European Commission negotiators in Brussels this morning It follows a 90-minute meeting between Boris Johnson and the DUP leader Arlene Foster and deputy leader Nigel Dodds in Downing Street last night It's not clear yet if the proposals are revised version of the dual customs scheme Which the UK proposed finding the breakthrough meeting between Leo Voradka and Boris Johnson last week or whether there's something much different The development follows a downbeat assessment by the EU chief negotiators on Sunday over the dual customs idea it goes on But some of that positivity this morning just coming on the back of that however The pound is already pulling back a little bit and as I can see the dollar is really Strengthening here at the moment and partly that's probably due to euro dollar just coming under some pressure breaking the overnight Asia-Pacific low Pushing down to its S1 at the moment But one of the things here that I would say and I know Sam is Often saying this to you guys is that how often have we been here before where there's a rumor that comes out about potential deal Only to be refuted a few moments later and then we get a reversal of the entire move So again when you get these source comments the way I'd say to suggest this if you're trading off news headlines intraday Is if it's a source comment, I would say History has shown me that you should be a little bit more proactive Bit more prudent in terms of the time that you hold on to those trades I the timeline should be shorter if it is someone more official like the EU president the commission The prime minister spokeswoman something like that then obviously it gives you a little bit more concrete evidence That this is someone official saying something so the move could be a little bit longer lasting the source comments So if you think about the way that accredited news agencies work the fact that RT have broke this Bloomberg or Reuters will be wanting to put out their kind of latest piece as well And so it's not unsurprising to see conflicting headlines come out as newspapers are kind of jostling for position to maintain Their relevance in a sense in terms of breaking news so yeah timelines I think with any brexit source comments going to get a little bit more Volatile over the coming days as we go into that summit. I think just just act a little bit cautiously in the Execution side of things in risk managing in that regard Okay, moving on off brexit and off China US earnings says there's a few coming out today and this is really as I said In the preview for the week on Monday We kind of pick up pace now, and it's the big banks that are going to be coming out today So a couple of things to point out here before we look at all the other companies coming out And there's five things to watch as big banks kick off earning season So I'm going to run through those now and And things that might make a bit more sense when you're picking through the numbers later on this morning And one is cost-cutting We've seen this from a number of obviously large European banking institutions like commerce, Deutsche Credit Suisse, UBS all these types of firms cutting back on their staff One of the things then to look out for in that regard is so called efficiency ratios Trading is another area of which gets closely followed and Some people suggesting that increased volatility During the month of August in the summer obviously as we're getting a lot of these breaking comments to do with trade wars and a topsy-turvy Market moves that we were seeing means that there's generally more Action for the banks to facilitate trades and therefore making more profit on execution However on the downside in the rates environment JP Morgan City in Wells Fargo have already been warning investors that their net interest income So that's money banks make from customers loan payments minus what they pay depositors would fall in the third quarter because interest rates have been declining and again this kind of Margin squeeze if you like continues to be that case because of course we're expecting another Rate cut potentially to by the end of the year It's going to put more pressure on that particular area of the banks in the lending environment The one thing though that lower rates does mean for banks is obviously mortgages and one area that low interest rates can help is the housing market the mortgage Bankers Association the MBA that that's the body that releases those weekly mortgage application figures They estimated that 21% increase in originations in Q3 and a 58% jump in refinancing So obviously given this renewed now we're on that interest rate hike trajectory But we're now having to and what is most likely to be a third interest rate cut It's not a bad time to refinance in that that respect another area the final two is one is consumers and US consumers can still be counted to help if anything some of the underlying numbers at the banks because spending is holding up Amid a relatively healthy job market situation for the moment and credit quality according to the metrics We've been seeing through economic data has remained relatively robust So the consumer side is fine. However looking at the investment banking division. That's a completely different ballgame It's been the worst quarter in more than two years for the announcement of any mergers and acquisitions and also We've had such a string of terrible IPO situations Particularly the last one being we work But also others that we've had like uber had its difficulties at the beginning generally speaking then It's led to a very difficult period for advisory fees in the investment banking divisions of all of these banks So trading might be up mortgages and consumer related Components may be quite positive, but the rate environment and investment banking fees are probably going to be particularly particular weak spots With that in mind who is actually coming out today. So here's a full list I know it's a bit small. So let me just zoom this in so we can get a bit more of a sense of what we're looking at so these are in chronological order in London time BST New York time obviously EDT and so pre-market today We have the likes of United Health BlackRock Johnson and Johnson JP Morgan Goldman Sachs City Wells Fargo Charles Schwab Aftermarket much smaller firms Looking at some of the numbers then if I just zoom this out. I'll talk you through them So the EPSV United Health is expected at $3 and 45 and Estimated quarterly revenues at sixty point five eight billion. They're due just before 11 a.m. London times They're the first one of major kind of Market capitalization to come out this morning of the bigger banks You're gonna get JP Morgan at 12 Goldman's is 12 30 cities at one EPS Expected at two fifty one five dollars and one eighty one respectively and then Johnson and Johnson Actually is the biggest pre-market company to report. They've got a market cap of just shy of three hundred and eighty billion dollars They should be just before midday 1140 a.m. London times 640 New York Their EPS expected 244 revenues expected at twenty point two nine billion So if anyone needs these numbers in a bit more detail I do have more estimates here for their yearly outlook as well in terms of the current existing guidance with the streets Looking for just drop me a message and trading live and I'll be happy to ping those over to you All right moving on away from earnings China and Brexit I'm gonna be looking at oil prices later on this evening because of course it's Tuesday So we'll be looking out for the API infantries Now WTI I did mention is down about 40 cents this morning trading close to the 53 dollar handle So a little bit of the wind coming out the sale of the positivity on the back of the partial trade deal between the US and China Just dampening things a touch and then also Expectations are for continuation of more infantry builds in terms of crude stockpiles on the weekly change in the US and Analysts to see or anticipate the fifth weekly gain. That would be the longest consecutive gain of builds in stockpiles since February going back to this period that we had here, so Yeah, the supplied nature of what's happening at the moment Definitely is weighing the diminishing kind of returns out of the trade deal and then one thing I did see actually let me just quickly. I was reading this on the way in It'll pop up, but I did read that Saudi Arabia Well, let me quickly pop onto here so I can bring it out Saudi Aramco is now said to be pumping as much oil as before the tax last month So you remember at the time we had this really aggressive What was it a $10 gap up on on that recommencement of trades? After that drone strike that we had on those major Facilities of Saudi Aramco. However, Aramco has said that it's now pumping as much as before the attacks So again, the kind of speed of which they've managed to get things back online Hasn't really taken that long There were some fears that it could have taken multiple weeks up to two months at the time But obviously it's been a little bit quicker than that So that's another kind of negative drag in that sense that the Saudis have managed to get back online so quickly Okay, off of oil. The other thing was I just wanted to have a quick peek at some Chinese data overnight factory deflation worsens Adding to global economic woes CPI though accelerates to 3% It's the fastest since 2013 Couple things then it's no surprise to see a continued divergence between these two metrics The consumer price index CPI at 3% year over year being the fastest increase in a couple of years It was driven predominantly by food prices climbing 11.2 percent And more than 69 percent jump that's been seen in pork prices Obviously due to the fever and subsequent slaughter of millions of pigs that have pushed up prices in China also What some of these articles are suggesting which makes sense is that breeders Unlikely to rush to restock their herds in a meaningful way because they're still lingering fears of Recontamination and catching the disease again, which obviously comes at a great expense because it takes a lot of time to to it's not like you can just switch on and Suck up the oil out of the ground pigs need to be born reared and Fed and it's a long arduous process that's quite expensive And if they hold off on that then all the more reason why a lot of people believe you're gonna get a Continuation then of this over time. The other thing is if we're looking at medium-term perspective Don't forget in January you get the Lunar New Year holiday in China and what we typically see there then is a front loading and demand for goods and and certainly then Analysts at Nomura have said in a research note this morning that they say that CPI in China could rise close to four percent in January in order to Reflect that kind of activity the producer price inflation. They also go on to say May fall even more due to weakening domestic demand Falling energy and raw material prices and a value-added tax cut that became effective in April this year So all the more reason why it is important that China do look to broker some kind of partial deal at least with The US obviously there's that threat December So this is all gonna rear its ugly head again in a few months time particularly going to that Christmas period Which will be interesting But it shows and as per Premier Lee saying warning of increasing downward pressures in the economy all the more reason that they need to take proactive action To mitigate that at the moment which they continue to do so This was just a graphic to give you a bit of an idea in a sense about how Outperforming food CPI is as a component at the moment. That's really driving this divergence between the red and the black line Okay Quickly then it's wrapping up with the calendar. What have we got so this morning? We get the latest jobs update remember You've got the full kind of suite of UK data this week jobs data today CPI tomorrow Retail sales Thursday alongside all the Brexit drama and also a whole host of Bank of England speakers of which Mark Carney is Making a parliamentary Treasury Committee Testimony later on this morning now that latter point is very rarely important market moving usually It's just him reiterating the current stances Given he's the governor maybe worth keeping half an ear on that commences at 9 30 a.m. Just when all the jobs data will come out Then we've got ZEW from Germany Be quite interesting to look at analysts anticipating a further deterioration in just general forward-looking sentiment for the euro area Particularly under this uncertain cloud of the trade war situation developing because even though there's a partial deal struck for China What's going to happen with the the single market in the euro area and then later on this afternoon? You've got the New York Fed Manufacturing figure are actually the API just to update myself and to correct myself We had the Columbus Day holiday, of course yesterday in the US so the API infantry's will not be tonight They'll be tomorrow just as a reminder Then feds bullard Voter and the dissenter as well as being one of the most dovish members of the Fed He's speaking at 9 25 this morning might be worth keeping an eye out for To see whether or not he's backing not just one but potentially two cuts in towards the year end And then you've got another Bank of England speaker a bit later on this afternoon That then there is more Fed speakers you got Bostick George and daily all scheduled as well throughout this afternoon and this evening And as I mentioned, you've got all those bank earnings coming city Goldman's was Fargo and then also to be aware of is Johnson and Johnson all coming out pre-market Okay, guys, that's it from me. I know quite a lot to take on board I'd say though in summary Brexit headlines just the market remains susceptible to still quite a lot of further developments I'd expect more rumors more tweets like that from Tony Connolly to come from other journalists throughout the day So just be mindful of your your execution of trades within that product if you are looking at it I'd be realistic with the time frame of holding any open position for for too long a period Then you've got the earnings to also consider for the rest of today And then the trade war I'd say I'm not looking for too much spectacular to come out of that this this morning It's kind of more of an update than it is anything to be aware of for for strategies today. I'd say okay I drove the Sam and I wish you a good day. Thanks very much Yeah, hi guys. Hope we're we're doing well good to be back on first one of the week It's having a quick look over. We'll start the euro as I did. It's come under a bit of pressure this morning breaking through a Bit of a trend line you can see on there as well, you know Very well, I do love a bit of a trend and and that break You know coinciding with the the false Push above yesterday's high within a move down towards today's s1 and yesterday's low So that's what can tainting things for now. And I guess as well just looking at The price action from yesterday with this Remove this trend because really you could argue it starts a bit lower down as well. And I was looking at this coming through From around here, let's move that up a bit So you can almost have the sort of the the the false push again from yesterday above this Left shoulder if you like from the 10th, we obviously go through higher on on the Friday And then the break of this trend that we've now seen this morning as it as it comes lower So looking at that and of course now this trend line as we can say we can probably move that To be more accurate just over the last Session or so that on a retest would come around the pivot So, you know, if it wasn't because of that the break of that I wouldn't really fancy the pivot too much But I'd certainly be interested to see what happens on a retest of that trend line Other than that really looking at the euro obviously the highs from yesterday and today and then the lows from Friday as well, which of course brings in some of those Highs as well from from the previous Well for the beginning of the month from some of the previous weeks Would be areas of support as well So for me for the euro just looking at free levels really retested that trend Although it does come into a choppy area So I wouldn't if going short wouldn't be looking to hold for too long If it didn't really go straight away and then up to that to those highs as well and and the lows there To keep a watch on on the charts the pound at the moment void But could could easily come lower as we all all know offer just one headline or lack of development yesterday's Low was obviously a great opportunity to have got in 25 41 Also, if we just scoot to the left a bit, you can see was the inputs above the camera Was the high of the 24th Which has a bit offered a great level to get in again and since then we have drifted higher from that low Probably worth having on a trend line as well for the remainder of the day as we have had one One two three tests of it I see that looking to come in just above the pivot Also, if it was to happen now the low of the day as well So bit of a guide maybe for lining the sand to say happy to stay long from a technical point of view As long as that trend line holds the previous higher the day is this act of the support now. So Given everything that's going on fundamentally technically still going And acting quite well So 26 60 for a level support the trend line as well To act as points to keep this Market going to to the upside the higher that we had last week 2736 we almost reached that today It will take 10 10 ticks or so So that would obviously be the the key resistance point to the upside to keep her keep a watch on and have monitored yesterday we saw Pretty flat day to be honest across the board for breakfast is we did come lower in the morning only to You know come back and then just hug that pivot for the remainder the session pretty quiet much the similar to last Monday I guess with you know a lack of data to drive things But however, we have pushed pushed on and just above where we're trading in stock So we're keeping an eye on on this whole level. I also got the high from yesterday Which would touch the couple of times dropping that down to 15 and five minutes You know, you can see those lows were just starting to get squeezed in perhaps as long as we stay Above that trend line. It might be that you are favoring a break to the upside below be looking for Price to just drift back down maybe focusing on what was quite a key resistance point this morning You can see again tested a couple of times here on 15 minute 29 74 On the dot one two three break through So we're keeping a watch on that much like the pound as well A couple of trends to keep an eye on from the lows of yesterday Good sort of guides and linens in the sand above where we're trading now if we can get get to there We're keeping a watch on a bit of a breakdown area from Friday as well 29 87 Before we're then looking at those highs from Friday as well So a bit of a five point push wouldn't be too surprising above the break of that high Trend line and previous high of the day as well to keep an eye on for areas of support gold has been an interesting one Over the last sort of few weeks really that Where's it gone? Here we go. That's uh 1492 level had offered a really good sort of guide Multiple times as as to what's going to happen. You can see here just bringing that in we get the breakthrough off as good Resistance before the ISM number comes out and then we broke again broke again last week to the downside and Quite a few good opportunities as we came back to test that before breaking through and now back above it And we'd almost reached that this morning So I'd still have that marked on as a decent area of support And also the opportunity to get short should it break through and then of course We we'd be looking at some of the lows from yesterday as well So 1492 in the futures Give or take you know a few pips either way is it's still certainly A level of interest that I would have on looking at it more Intra day above where we're trading you can see we are trending lower from The high probably worth seeing if we can get anything on on that relatively steep, but just now Within the last seven minutes you can see we've got the third test of that trend So people are looking at it. I would have it on break above that You could you may be looking to to get a push towards 1497 So not a massive move but given the time of the day It might be worth looking later on anyway the high of the day almost reaching an interesting area from Yesterday where we broke down into the afternoon around 1499 But of course 1500 as well So another level of resistance to keep a watch on and just above there really you can see Going back to friday as well It's quite a big zone where the sellers have taken over a couple of times So keeping eye on this trend line resistance around 1500 to the top side R1 you've got quite a nice bit of price action as well from friday that you keep a watch on Below 1492 s1 loads of yesterday and then friday's loads as well could come into the mix to keep a watch on As well just going back to stocks obviously s&p near that high and Worth keeping that trend line on the fact that the Dax is just struggling to get above its r2 already a decent move May halt its progress over in the states So keep a watch on that as we just start to to drift down and we are now below the high that we had on friday As well. So a couple of attempts are trying to get through there just fading to do so For now looking at just below where we're trading on the Dax I keep a watch of course on what was the high overnight on friday We can see a decent reaction this morning once we had broken through So 12,514 a level support to keep a watch on below there Obviously got those previous highs as well from yesterday and today. So again the markets, you know acting quite technically Obviously with those those biases to to look to maybe wait for resistance to break or for levels of support to come back Certainly yesterday was relatively slow But I wouldn't be too surprised to see things start picking up from today As well any questions as usual, please do let us know We'll be on the mic throughout the day But I hope you'll have a good one and catch you all in the chat


So you're telling me there's a chance. After a 6-1 Friday victory, the BSU women's hockey team set themselves up for a shot at fifth place in the WCHA standings if they could win Saturday against MSU Mankato. No score after a period in this one, but 15 seconds into the second. Anna Keyes gets the Mavs on the board. Lighting the lamp, 1-0 MSU. Four minutes later, they strike again on the power play. Amanda Martin squeezes the puck past Brittany Moet. Mavs go up two. Late in the second, BSU would finally get on the board. Emily Berglund nets her team high 16th goal of the year. Beavers pull within a goal, but they were never able to get any closer as the Mavericks win this one by a final of three to one. So the Beavers unable to capture that fifth spot. They wind up seventh in the WCHA this season. Their first round matchup for the conference playoffs will be second seeded Minnesota. Game times will be 6.07 Friday, 4.07 Saturday, and 4.07 Sunday if necessary. All games will be at Ritter Arena in Minneapolis. If you've enjoyed this segment of Lakeland News, please consider making a tax deductible contribution to Lakeland Public Television.