Hi, everyone. Joe for Jaspy's CaseBreaks.com coming at you with a pack of 21-22 Upper Deck Allure Hockey, pack break number seven. I've got a few different dice rolls happening here. First of all, we're going to give away 14 spots within this Allure pack break. It's a pretty nice deal. Then we'll do the break itself and then we'll give away 10 spots in that hip-prade hockey break, that Jaspy exclusive, the last one of those hockey cases that we have. And the last filler, also loaded up if you're watching live, check that out. Many thanks to this group for making it happen. So we also have sold 18 spots outright. Most of you are going to get extra spots. Top 14 after four, two and a two for the hard way, one, two, three and four. So Jonathan, Kevin, Scott, Kevin, Kevin, Darren, Darren, Sean, Kevin, Brian, Edward, Darren, Kevin and Edward with extra spots going your way. Top 14 after four. It's a little buy one, get one opportunity for you. Those little rooftops next to your name so you know you won those spots. Now your sole part of the break, sole part of the giveaway at the end. So fear not for those of you who didn't get in. Now let's copy all your names into this fresh list right here. All teams are in. The result of that randomizer in there. Let's roll it and randomize that five into six, eleven times for names and teams. One, two, three, seven, eight, eleven and final time, and then five into six, eleven times for teams two and eleven and final time. Got the Canadians down to the lightning. There's a hockey game one I think the Golden Knights are currently shutting out the Dallas Stars. All right, here's the first half of the list right here, the second half of the list here, no trade windows, print and rip and do this pack really quick, and I think the basketball games at halftime, the Dodgers are up by four runs on the Braves, excuse me, Celtics at heat, heat up 6152 in this elimination game for the Celtics. It's the first time I think that if the heat went tonight and my Lakers lost last night they got swept, this might be the first time the conference files have ended up in sweeps in a very long time, I think ten plus years. We've got a, oh red rainbow, there it is, red rainbow, Joe Valeno for the red wings, nothing too crazy there, but what's crazy is, there's ten hits in this pack break, those ten hits are spots in that hit parade break, so let's gather all the names for the third and final dice roll, and it's going to be the, once again the top ten, top ten after five, top ten after five we'll get into that hit parade break, good luck. Two, three, four, and fifth and final time, after five, so it's the top ten, so from eleven on down, sorry Jonathan, very close, but eleven through thirty-two, not quite, but top ten congrats to you, you're in that hit parade break, Darren is in, so it's Kevin Kelly, Edward, Scott, Jonathan, Brian, Scott, Darren, Darren, and Kevin Kelly, there you go top ten after five, we'll see you in that hit parade hockey break, we've got to do one more of these and then we're in breaks Phil, so check that out, jaspyscasebreaks.com, bye bye.


The food security is part of a global agenda. The new global, it's no longer MDGs but SDGs. Today the Sustainable Development Goals put food security in a prominent place. There's also obviously a security agenda, not just around terrorism, but a global security agenda. But I think what's interesting on a global basis is the relationship that exists between these agendas and whether we can address those interlinks. Do you think it's a conflict over resources? Well, it's not really a conflict. The risk is to undermine one of the objectives by not taking into, addressing the other objective, not taking into account the interactions. So, for example, food security and security, if we look at the African continent, it is obvious that to address even global food security the continent will have, because this is really where the remaining arable land to speak of exists. 60% of remaining arable land globally is in Africa. We will have to address rural development, agricultural development, probably in a way that puts forward the small farmer, not just intensive agriculture. Intensive agriculture will probably exacerbate the rural exodus and migration. But agricultural development that focuses on the prosperity of the small farmer can also help in terms of global security because it will create opportunities in the rural areas. Thank you very much.


Thank you for being here and let's start with this, you know, I'm European. I like to go fancy This is Julius Caesar depictic during the Renaissance 51 years after What we consider the date of Christ so? 51 common era Julius Caesar crossed the Rhine and Conquers north Europe Well, we now call France at that time was populated by more than 800 tribes and The Roman Empire was just in the south and in the Mediterranean area of Europe and Has a very interesting characteristic from the army they had the army was extremely extremely organized From the last footman to the first general Everybody knew what they were doing and everybody was compact on the other end There were 800 tribes that they were completely scattered in the land And when they decided to invade the Roman Empire made sure to apply a strategy called the Vita et Impera that means divide and conquer making sure that none of them were communicated with each other so they could not form alliances and And be Competitive on the ground and actually it went that way So the Roman Empire wiped out one after the other with no major effort And they got it to the north of Europe 2000 years after that Europe has Interesting landmarks. So if you travel in Europe and you go to major cities or even small towns you find Relics of that time you find buildings that they are coming from that era and Europe is still Something that we see very fragmented. We see it very fragmented way more when we are there than when we see it from outside only after the World War two and from the ashes of our continent that was completely destroyed Things started to change in that sense in 1957 we had the Treaty of Rome where a few countries like six seven countries they got together and they decided to start have something like economic growth together ten years after we had the European community and Only 1993 we have something that is what we have now the European Union the European Union and two years after the Schengen agreement to started to to effect and What is the what is the consequence of all of this? things That for European citizens now traveling across borders is free So we don't have passport control when we go between Austria and Germany We don't have passport control between Italy and Austria in other countries so we travel freely across borders and we can purchase with the same currency in the entire continent almost almost Not every country is in the eurozone But most of them are and even countries that they don't have euros their currency they accept payments in euro near the border and sometimes even in the capital city and The real game changer is the fact that we all speak the same language Europe has a common language for every country not really Nope nine and noon We don't Every country is holding really strong to their to their language Because the language is very eradicated in the culture and the culture is very connected with the language And no one wants to give away that the roots that they have and it's fine that way however, creates problems when you have to talk to each other and So many different languages are still a European struggle We still find those Borders that they're not there anymore when we trade. They're not there anymore when we buy but they're there when we try to talk to each other and If there's one thing that we do really well is the wordpress is we rocket languages So that was a big problem and wordpress started solving that And was really good at that. So we have a Lot of locals that they start that they are that they start first as languages But then as sub languages or because locals are located are Identifiable as a place not a language But still we had a lot of problem communicating with each other we had a lot of problem to understand a platform that was in English and so The initial sparkle of many European communities in wordpress starts with the need of solving the language barrier My name is Luca Sartoni. I work at automatic I am part of the Italian community and I am a co-organizer work in Europe and today I'm going to show you how work in Europe helped local communities to to reinvigorate so the first work in Europe happened in Leiden the Netherlands in 2013 The second one in Sofia Bulgaria and the third one this year in Seville, Spain and The next one will be in Vienna, Austria in June what was The work camp scene in Europe before work in Europe Work camps were supposed to be hyper local events because work camps they spring out of me ups and Meetups are very eradicated in the land So we had work camps that they were identifiable as a city sometimes as a country But most of the time they were just addressing communities. They were metropolitan areas And work in Europe for the first time Tried to do this to create something that was bigger than just the sum of the parts and the first group of organizers They were coming from different communities from different countries They said well, why don't we do something together? Why don't we just try to do something bigger and they spoke with the foundation they got that approved and they started this adventure With the question in their head with a big question mark.  Are they gonna travel? Which language are is the Italian community interested in an event in English?  So this is the big the big fear of every organizer But in that case was really really strong so I heard about work in Europe in 13 and And I was like I'm gonna go check it out when there is an attendee and that man over there Was like I need volunteers Join and so I started volunteering and that was the first time that I volunteered at a work camp and Was amazing it was it was a life-changing experience for me and Since then I tried to contribute as much as I could to all the followings So that event started something For people that were there things were were pretty interesting because it was not before before was not like that But something bigger happened after something that was not In the plan was was expected maybe but not at that scale the local communities started to become stronger they got really really better and And there are a few reasons If we look at that now after three years running for the fourth year We I identified a few reason why They got better. So the first one is that work impure offers a stage a Stage that is just not the size of the stage But is the potential of the stage when you have an event that covers an entire continent You have speakers that they can address a way more diverse Audience you have people coming from different countries. You have different cultures. You have to You have to address all of them and so for speakers is very very engaging being in that stage at the same time people that they contribute with presentations they For the first time they have this large audience in front of them like rooms are bigger and More diverse more the feedback is different. You usually talk to your own To your own community, so Probably, you know most of them and then suddenly you are in front of a wider community Where you don't know many of them or it's the first time that you got to know them So the stage was the first was the first thing that happened because during the event is the major part of the event but then after that Things started to get even more interesting because we're computer sparks contribution My name is Petja, and I am from Sofia, Bulgaria. I Help translate WordPress and I help people who translate WordPress. I am a part of the polygloss team We have more than 70 Locals that are associated with places in Europe and languages that are Well, there are languages that have different types of different different Locals for formal and formal and they're locale specific their location specific languages as well We have German, but we also have Swiss German We have Spanish, but we also have a lot of different Spanish locals depending on the location where people speak Spanish So locales are not just languages there are languages as spoken in this particular place and Europe has a lot of places That speak maybe speak the same language, but they speak it in a different way because of the location. I think what Camp Europe opened up the contribution gates to a lot of people and What it's what it created was this period of togetherness that allowed a lot of people to go to different work camps and Participate in different communities So that also meant that people felt a lot more tease to actually start to contribute to WordPress What camp Europe did something very very important for the WordPress community in Europe because there are so many countries and so many active Communities but before 2013 they weren't really talking to each other There were people that were chatting online and contributing to WordPress and talking all the time that had never seen each other and What camp Europe 2013 changed that you put a face to an avatar You put a smile to like the reactions that you're used to in online interactions and it becomes a different Relationship it becomes something very very different and a lot stronger and What camp Europe did that for a lot of people who were already contributing but the thing that it did for me in particular and I believe for a lot of new people that were just getting Introduced to the community is that it just made you realize how many wonderful people are involved with this project and Made us feel welcome and made us want to stay and to contribute more So what camp Europe 2013 is for me is the reason I am so active in community today So a lot of people that they were experiencing this idea of contribution. I was attending work camps even before but for the first time for instance, I had a contributors day right after and And And after that I've seen contributors day coming up more often more frequently connected to other work camps Then work computer leads by example because when you organize an event of that size when you go over the usual 150 250 people you go bigger you need to have practices that There are more open you cannot just pull off an event of 600 700 a thousand people just like you would do for 150 so We had open applications for For many of the roles in the organization. We had applications for volunteers. We had applications for speakers We had applications for now we have applications for cities so if you want to host your neck the next Work computer you have to apply as a city and there is a process very transparent process and all these practices Help people to feel part of a home help people to understand that it's not about Who you know or about who you work with but it's something open you can take part of it and Now our computer bill is organized with a global team that covers all the All the parts that can be done remotely because the team is distributed It's and then there is a local team that takes part that takes care of the logistics for everything that happens on-site and that happens through An open application and very transparent practices then as I told you before Communities before work in Europe were very strong sometimes, but Don't forget there were countries that not many years ago We're at conflict with each other in Europe And if we go to Serbia and Croatia and Slovenia and Bosnia all that area Faced big challenges not long time ago. However Check this out My name is Milan and I'm one of the founders of WordPress Serbia as strange as it sounds But that is how we all met it was back in 2013 and the first work in Europe where a couple of my friends and colleagues introduced a couple of guys from Serbia and Croatia and At that time in Serbia. There was only one meet-up organized by Vladimir the founder of manage WP So as soon as I got back to Serbia We started brainstorming the organization of the free future WordPress meet-ups So when the hundred people showed up for the second Meet-up we we were sure that we did a great job We had to organize couple of WordPress meet-ups in order to get working back with approved so It will turn out that the birth camp Europe just started the whole avalanche of all the IT conferences and not just in Serbia, but the whole region There are a lot of groups derived from a WordPress Serbia group groups like customer happiness Groups like hosting Serbia. So we surely own that success to first work in Europe After the first one in in Leiden there were two more and this is from this is a picture from Bulgaria from Sofia and This is just a group of volunteers from Sevilla last June We had this experience of people that were getting more and more and more entangled in The mesh of work in Europe as soon as people started to get in contact. They could not leave There was no way to send them away It happened to many of us that are our part of the organization team But it happened to people to apply as soon as they got volunteers for the first one They started to apply and to be volunteers or speakers or being even more involved for the following ones It happened at every level including the attendance We had people that they Went to Leiden and they were traveling for the first time to go to a work camp And after that they started traveling to other work camps because they realized that in this Opportunity that the Europe offers you're never too far from another capital So if you live in a capital probably in a couple of hours you go to any other capital made the Europe to be even smaller and For communities that were already very strong, but a little isolated Also came a big change. My name is Casper. I live in Potsdam in Germany currently, I'm a blog editor on de wordpress.org and I recently started joining the forums forums team on the wordpress.org also the German community started out in 2004 with Translating WordPress into German which made WordPress very popular in Germany and in German speaking areas very quickly That same team that started translating WordPress also founded their own platform in German It seemed to happen that the German community from the outside looked quite introverted I oftentimes heard from people outside of Germany that we are perceived as very organized from the outside We are I think we're also often perceived as skeptic and harsh critics But we're also very hard-working and committed individuals here regarding Collaboration on a US central platform like WordPress.org Germans can get very suspicious also regarding leadership. I would say in a self-organizing community Germans tend to have quite a different take on leadership and hierarchies compared to maybe you guys Over there in the US We didn't feel the longing really over here and what can Europe change that completely? Suddenly there was a feeling of belonging. I would say the German community was Immensely impacted by the spirit of a word camp Europe for those people who went there actually I heard comments like it was a true eye-opener and it was like a wall-come-down experience for them Realizing that there are so many more people speaking WordPress I'm not locked into this community I can just travel and meet like-minded people all over the place talk about WordPress and learn and contribute and exchange and Make friends the good thing about us is When you finally gain us as friends you have us for a lifetime Nowadays members from the German community Contribute on make WordPress.org and they found meet-ups and organized word cams themselves and travel to other word cams And there's a great exchange with other communities in Europe for me personally the whole work can be because Europe experience was life-changing and is still today and I can feel that as it opened up something in me and I'm seeing the world differently today sitting here now actually and record this video for you guys and being someone from the German community talking to you guys and Sharing things from over here. I Think that wouldn't be have that that wouldn't be possible without having word camp Europe first and Haven't had that experience of opening up as a community So, um, yeah, thanks for your time. Thanks for listening. I think that's a thing I got for you today. Have a great work in work computer Next year would be in Vienna on the 24 25 and 26 of June and We still have tickets not many But we have them right The application for speakers is still open the application for volunteers is still open We still have a few tickets. So hurry up. They didn't want me to say that but hurry up and For everything you want to know about it and for accommodation travels go to Europe that work on the org is a little cutoff, but you can find it and Thank you very much. Thank you We have one Check that out. Do you think there will be a word camp earth in the future? Of course, so as we colonize Mars We can have work on Earth Yeah, that would be great Was up for organizing it was up for sponsoring look at that the usual suspects Yeah, please so normally like the workham. They hit like this, you know, normally this this tracks and then the closer That's too close. That's too close. So how do you how does Having like a multi-language like group button these influence the tracks you guys have like How do you handle it? So like it's what work on BNS is just going to be in Germany, yes Or how does that work like that language part? That's that's a great question The first work computer was in English Second one was in English the third one needed a little help because we thought that we were Growing enough and we wanted to try to offer also the local language as an option So we had real-time translation in Spanish. So the event was in English, but we had real-time translation in Spanish and That for the last work up. I was dealing with volunteers and I had many volunteers. They were Belingual so they were speaking English and Spanish. They were making they were our bridges But we had a few volunteers. They were Spanish only so we had first to bridge to them and then But it was amazing because it doesn't matter as soon as you are Somewhere all together with the same purpose and with the same spirit and sharing values You find a way like you point you talk slowly English is pretty much a common language And you know, we're in the taxine. So at the very end English helps In the future would be nice would be great to offer a multi-language experience because if we really want to go and we want to Address a wider audience and to open up even more We need to start looking into that and we know that we need to get there. So, you know It would be really really great to get to the point where To do like very very big conferences where you have Multiple languages covered from all the angles. So you have speakers that they speak their own language If they want or English and you have real-time translation for everybody that wants to have it that would be great And we'll get there. We don't have any plan to stop the conquering. So Work and be one. Yeah, well slowly. What's that? Thank you. That was really inspiring I'm curious because you've you've been to WordCamp Europe and WordCamp US and the previous one Is there a difference in the type of content that's being presented On the other side of the ocean from what is being presented here and the type of conversations that happen Yes Like every single work is different from the others every work by the definition of work and itself So it's very tied with the land and with the local culture express the local culture so When you go to When you go in Europe and you go to different work camps you have different feelings from different work camps the way The rooms are Convention center like this probably there are a few in Europe, but they are designed in a different way Here you have super high ceilings in Europe. You tend to have a little lower Here you have everything is designed for to be super accessible in Europe is a little more challenging Even if we're we're getting there All of those little details they highly impact the experience of WordCamp In here you have people that they really like to network a lot outside WordCamp Europe you have more focus on sessions So usually people rush in at the very beginning of every session then they rush out at the end of every session And that changes the experience that you have But I would not say that one is better than the other I would just say that they're very different and They are equally good Of course, you can always improve the experience and if you focus on your own experience and you give like These are things that they didn't go as I as we expected and we want to improve it. That is the natural evolution to get that What was the term that exponential growth that we were looking for? Thanks And do you have any comment about WordCamp Asia? Yes, I know nothing about it No, what do you think of the idea the idea is to have a WordCamp in Asia What is it? WordCamp Asia. Yeah, yeah WordCamp in Asia. I have no idea I've never heard of it. It's the first time that I hear and I cannot address that. Okay But why not then we just need WordCamp Africa I would love to have WordCamp Africa and WordCamp Antarctica But first we need WordCamp America. How about that? Yeah, nice good Okay, thank you. Welcome Well, thank you very much. Give yourself a round of applause and let's go for lunch


employment applications, housing rental options, and even now cell phone contracts. Next slide, please. So talking a little bit about your credit report, maybe like a hands up or showing if anyone has actually accessed their credit reports before, you know, just maybe like a hands up. So there are three credit reporting agencies. And I'm going to give you the names and the contact information for those. So we do have Equifax, and I'm going to have my co-worker put up the information, Experian and TransUnion. Now you might be wondering like what is a credit report? So like the name implies, your credit report tracks your credit activity. Now there are several types of credit, including credit cards, store cards, personal loans, car loans, mortgages, student loans, and lines of credit. Now your credit report does not generally show the payment history for non-credit expenses, such as utilities, insurance, and medical bills, unless they go unpaid and are sent to a collection agency. Now having said that, currently there is a program that's called Boost, and it's something that's done by the Experian Credit Reporting Agency.  And if you go online, it can tell you a little bit more about the Experian Boost program that they have. And again, that's only for Experian for right now. Now credit reports are built and maintained by these three credit bureaus. And as I mentioned earlier, there's three major credit bureaus in the U.S., and again that's Equifax, Experian, and TransUnion. Now the creditors usually report to them monthly, and the data is also obtained from court records. Now since credit bureaus do not always collect the same information, your three credit reports can be different. So they could potentially report different information. So that's why I definitely recommend to my clients, you're going to want to make sure that you pull bureaus from all three of the reporting agencies to compare the information. Now the credit bureaus sell your reports to interested parties such as creditors, insurance companies, employers, and landlords who use the information to decide whether to lend or do business with you. Now once you actually request your credit reports, and in addition to contacting the credit bureaus directly from the information that we gave you earlier, you can also use this phone number to order a credit report. So for example, if you may not have access to the internet, you can also order a credit report by calling<PHONE_NUMBER>. Now once you do get a copy of your credit report, the credit reports are typically divided into four sections. So if you're looking typically at the credit report, the first section is typically going to contain your personal information. So this is going to include things like your name, current and former addresses, and sometimes it may even have your employment history. Now keep in mind I've seen on people's credit reports that it may not have their most up-to-date employer, and that's because they may not have applied for credit recently because that's typically how the credit bureaus are able to update information, especially if you've recently applied for credit, and you put down your current employer on the credit application. Now the majority of your credit report is actually dedicated to the history of handling credit. So this is typically what we call trade lines, and what that will include, it will include things like the names of your creditors, the date the accounts were open, credit limits and original balances, and the balances and the payment history typically show for about 24 to 36 months, and they actually will give you the status of your accounts as well. And during the coaching session that you have with a smart money coach, we're going to actually have access to pulling one of your credit bureaus through experience. Now the third section of the credit report is what we call public record section, and this is where typically there's going to be, if you have any public records that might be related to your credit worthiness. Now this would be things such as if somebody had a lien against them, if you've maybe had a bankruptcy or filed bankruptcy, repossessions, judgments and foreclosures. So this is typically where you don't want to see anything under a public record section, because if there is anything listed then that's definitely something that you want to investigate further. Now the last part of the credit report has to do with an inquiry section, and this lists anyone who has access your credit report. So there's actually two types of inquiries. There's what we call a hard inquiry, and this is one that results from an application or a transaction that's initiated by you. So that means, for example, if you're applying for a new credit card, that's going to generate a hard inquiry on your credit report. Now a soft inquiry, on the other hand, occurs when you pull your credit report yourself, or it's checked for a reason not related to credit applications. And the only person that can see the soft inquiries on your credit report is you. So the other thing is, this would mean if you're pulling your own credit reports online and when we're pulling your credit report during the smart money coaching session, it does not impact your credit score because you're pulling it for educational purposes. One of the other things that I wanted to also just mention about the credit reports and when you pull copies of your credit reports, there are a couple of things that you can add to your credit report. So for example, clients can add what you call a fraud alert. And basically, if you put a fraud alert on your credit report, now this means that companies that you apply for credit have to identify you before granting any new sort of credit. So this means they would typically call you to verify in fact that it is you applying for this credit. Now, all you have to do to put a fraud alert on your credit report is you just have to contact one of the major credit bureaus, and they would actually notify the other two reporting agencies. Now it's free to put a fraud alert on your credit report, and it stays on there for one year. Now as an alternative to a fraud alert, you can also put a credit freeze on your credit report. Now a credit freeze, typically it's going to limit the access to even yourself. So you won't even be able to access your credit reports either. So you wouldn't be able to open up any accounts until you lift the freeze. And in this circumstance, if you wanted to put a freeze on your credit report, you would in this circumstance have to contact all three of the credit bureaus. And then once you do contact them to put a freeze on your credit report, you typically are going to get a pin or a password, and you would need that each time you want to lift the freeze and place it back on your credit report. Now credit freezes typically last until you lift it off. And one of the things that I do tell my clients is if we are going to attempt to pull your credit report and you have some sort of a credit freeze on it, I typically let the clients know if it's possible for them to temporarily lift the freeze so that I will have access to pulling their credit report during that time and then they can put the freeze back on so that again your credit would be frozen at that time. Do we have any questions yet before I go on to the next slide? No questions yet. Okay. Next slide please. So it's important to know that negative information like things like missed payments or collection accounts, they're not going to stay on the credit report forever. So most negative information like lawsuits, judgments, leans, foreclosures, in Chapter 13 bankruptcy, if you completed and late payments remain on your credit report for about seven years. So I would say seven years. And if you file for a Chapter 7 bankruptcy, that's going to remain on your credit report from 10 years from the date that you filed the bankruptcy. So it's a little bit different between the Chapter 13 and the Chapter 7. So they usually will take it off in seven for the Chapter 13 if you complete it. Whereas if you file the Chapter 7, it can remain on there typically for 10 years. Now when it comes to collection accounts, the longest it can stay on your record would be from the first date of the first delinquency with the original creditor. Now no matter how many times the collection account passes from one agency to the next, because a lot of the time collection agencies may sell your account back and forth, the delinquency date remains the same. And therefore the seven-year time frame does as well. Now positive information can be reported indefinitely as long as your account is still open. Otherwise a positive account that was closed, for example, if you purchased and had a car loan and you paid it off without ever missing a payment, is typically going to remain on your credit report from 10 years from the date it was closed. Now the most popular credit scoring models emphasize recent payment information. So typically older negative information won't affect you as much as what has been happening recently. So the more recent a late payment is, the higher weight it's going to carry on your credit score compared to let's say if you missed a payment from seven years ago. The FICO score usually emphasizes the last two years of your payment history. Next slide. So let's talk a little bit about credit scoring. So you may wonder, well, what is a credit score? All it is is a numeric summary of information in your credit report. So it's formulated to predict your risk or the likelihood you will pay back what you borrowed and to make sure that you've stuck to your contract like an apartment lease agreement. Now the most commonly used scoring model is the FICO score and that stands for the fair Isaac and company score and the range for scores range from 300 to 850. Now there's also the possibility of not having a FICO score and that's usually for someone who has not made any payments on any open and active accounts for an extended period of time or someone who hasn't applied for credit at all. Now most lenders do use this FICO score when approving for credit and besides the FICO score there are other models out there like the Vantage score and that's usually I think with credit karma uses for example. So if a lot of you maybe like register and have credit karma that monitors your credit you may see something like what they use the Vantage score. So now the higher your credit score the less risk to the lender so generally people with higher credit scores will have an easier time getting approved for credit and usually get better interest rates. Now you may ask well what's a good credit score so there really is no standard for what constitutes a good credit score but usually once you get into about a 620 that's what's considered to be a good score and the national average right now is about 690 and typically you're going to get the best interest rates if you have a score of 760 or higher. Now looking at ways of how your FICO score is calculated so and this is something you know that we talk about also during your coaching session. So the main factor in determining your FICO score is your payment history that's about 35% they look at your payment history. So making your payments on time is going to boost your score. Now if you make a late payment your score is going to take a hit so the more recent frequent and severe the lateness the lower your score and it's going to impact your your credit score. Now collection accounts and legal actions have a more serious negative impact so as I talked about earlier some of the things that stay on your credit report so like filing a bankruptcy is typically going to have the most impact on your credit score but again even if you filed for bankruptcy you can still re-establish credit and still improve your credit score so filing for bankruptcy is not the end of the world. Now another large chunk of determining factor in your FICO score is the amounts owed. So what that means is if you carry large balances on things like personal loans and revolving debt like credit cards meaning that if you're close to your limits on those accounts that would be potentially impacting your credit score. So if you have open accounts like credit cards and personal loans keeping your balances very low in comparison with your credit limit is definitely what you want to do and what they recommend I would say is no more than 30 percent of your balance in relation to your credit limit is what you should carry and if somebody has no credit and they're just starting to establish credit I would even recommend less. So less is always more and again that accounts for about 30 percent of your credit score. Now a smaller portion of your FICO score has to do with the length of your credit history so the longer you've had accounts the better and this is where I don't recommend clients close accounts especially if you had an account open you know for a long period of time so it's not recommended that you close the account and even if you're not using the account I do recommend to my clients that you make a charge every now and then so that way you keep the the credit history going because the other thing is is if you don't use an account for maybe several months the credit company may decide to close your account due to inactivity and again I'm not saying and again I'm not saying that's going to happen and I can't tell you at what point it may if you don't make a charge so I would just recommend like every now and then making a purchase and then paying it off you know every month. About 10 percent of your credit score has to do with new credit so this factor looks at the number and proportion of recently opened accounts and the number of increase that you had. So many increase on your credit report may lower your credit score so if you were trying to open up or you opened up a lot of accounts at the same time potentially this could negatively impact your credit score but for things if you apply for like a mortgage or let's say an auto loan that occur within a 45 day period it's only considered to be one inquiry for scoring purposes and the reason that is is because if you apply for a mortgage or let's say an auto loan they may actually pull your credit report from several companies to try to get you the best interest rate possible but again the credit bureau is only going to look at that as one one inquiry for scoring purposes again if you do that within a 45 day period and accessing your own credit report does not impact your credit score nor do inquiries for pre-approval offers so you may see like on your credit report when you pull it you may see soft inquiries where companies have accessed your credit report to see if they're going to offer you credit or if you're credit worthy so again these types of inquiries are not going to impact your credit score and in addition if we when we pull your credit report during a coaching session that also is not going to impact your credit score and if you pull yours on your own as well so if you have ever as I mentioned received you know like a pre-approval offer in the mail or via email that's only going to create a soft inquiry on your credit report now the other 10 percent of your FICO score has to do with the types of credit that you have open so they may look to see if you have like a variety of of accounts so do you have credit cards retail accounts maybe auto loans mortgage so having different types of credit can also help to boost your credit score now I'm not recommending that somebody go out and just get yourself an auto loan or an installment loan just to have a loan you know that's not something that I would typically recommend especially if it's not something you necessarily need unless you're maybe like trying to establish credit or maybe like for another purpose so we're going to look at you know they're going to look at the overall makeup of the different types of credit that you have and again that's going to account for typically about 10 percent of your FICO score so let's pause here for a minute any questions that we might have in the chat so far somebody with their hand raised Jen do you want to mute yourself and ask your question okay can you hear me yeah great hi thanks for being here this has been very informative um my question is is I recently am trying to re-establish my credit I paid off a bunch of bad debt and my credit score obviously dropped and my question is is I just recently got a couple of credit cards so I could start re-establishing my credit and I gotta I used my credit card a lot I didn't realize the 30% um issue but um they even though I paid it before my time uh that that it was due and I paid it in full um they dropped my score 20 points how do I rebuild that and how long does that take to come back because I wasn't late on my payments and if my bill wasn't even due yet so that was a big blow yeah and Howard we can't hear you can you hear me now yeah okay so when you applied or got these credit cards because you paid off old debts are these secured accounts secure credit cards I have one secured and one unsecured okay and so one of the things as you just mentioned that you want to look at as far as trying to rebuild the credit after paying you know past your old debts you definitely want to make sure that you're making your payments on time with these new accounts and typically what I've seen with my clients is on time payment history for about three to six months you will start seeing an increase in your score you know basically time is the most important thing and you know as I mentioned making sure that you're not charging up to the max you know um on your credit card because that potentially is going to lower your credit score so you know as I mentioned keeping it at 30% or less even though you're paying it off you know before the before the statement is due it may be that just at that moment they're evaluating your credit score and it looks like you may have a larger balance and closer to your you know credit limit so again secured credit cards is a good way to establish and improve your credit score and I'll talk a little bit more about um in a few slides coming up about other ways to help you either establish or you know days to start bringing up your credit score so I'm not sure does that answer your question well it answers part of it but the other part is do you know how I mean 20 points is a big hit considering I wasn't late and it was only in the middle of the month um so once again I paid it in full but do you know how long it takes for that 20 points to re-establish because that's huge hit yeah I mean I would probably myself have to take a look at the credit report so I wouldn't necessarily want to make any guesses because I would want to look specifically at the credit report and see because again I would kind of look at you know where you were at previously when you got a credit score and then in between what may have happened to like lower your credit score it could be did you apply for any maybe new credit like during the time you last got your score versus when you're getting your score now no not at all I've just had my new credit cards for like two to three months and I just was using them to build my credit and then all of a sudden I had maybe I got close to my limit but again it was only I mean it's due on the 25th it was only the 9th of the month and then I saw credit karma showed me that it went down 20 points I was not late on any of my payments and it was the middle of the month so I paid it off immediately I mean I was that was my intention anyway but I paid it off immediately but the hit was was shocking yeah and again that's credit karma so they have their own scoring model because I believe they use advantage so I really can't talk too much about experience it also did the 20 yeah yeah I mean based on what you're telling me the only thing that I could probably think of is that most likely there was a point where you are approaching your credit limits or getting close to them and you know as I mentioned that's about 30 percent of your score so you know moving forward my recommendation would be is just be mindful of how much you're carrying at any time you know on your credit cards and I think hopefully that should you know bring the score back up assuming that you're making your payments on time moving forward right again do you know how long it takes or is that indicative to each individual person I think it's going to be indicative but I would say I would say give it about three months okay thank you that's a big ouch but thank you yeah thank you doctor okay hello yeah can you hear me okay yeah I was just going to add that yeah Jen everything that Howard stated is correct but one of the things we have to remember is that the reporting agencies they report every 30 days so they have a reporting cycle that they usually go by so you're not going to see any changes it's going to take at least at the very least a month to see any changes up or down on your credit report so as Howard mentioned I would probably just give it a little bit of time maybe a month or two to see the changes but the the the most important thing that you can do for yourself is continue to make your payments on time and keep your your your usage down to the 30% as you mentioned and that's probably the quickest way for you to actually improve your credit score oh thank you very much I appreciate your input absolutely um next slide Leah please so something we may have you know talked a little bit about before but improving your FICO score now the score changes with credit activity not only month to month but each day so if you're not satisfied with the way it looks today you can change it by following credit wise actions and making them have it so here's some ways to help your credit score this goes without saying but always pay you know on time and as I talked about earlier your payment history makes up the largest chunk of your credit score so making your payments on time is extremely important pay down your existing debt so even if you've never missed a payment a large debt load will lower your score so you want to kind of explore ways you can lower your interest rates and free up cash to make more than the minimum payments so that you're not carrying large balances another way is to avoid taking on additional debt so besides paying down existing debt you want to make an effort to not take on more debt in the future so I would say for revolving credit ideally you should not charge more than you can pay off in full the next month but at the very least try to keep the balance well under they say half of the credit limit but I'm going to say even less than that so about 30% or less and also you want to check your credit report for errors because a lot of the times your report may contain score lowering errors so check your credit report from the three bureaus at least annually and typically before you used to be able to pull it free once every 12 months but now due to the pandemic if you wanted to pull it and again I don't recommend it you could actually pull it weekly if you wanted to free of charge now they're not required to provide you free of charge a credit score so if you wanted to get a credit score there's going to be an additional fee that they would charge for asking for a credit score now if you notice any errors on your credit reports you are able to dispute it directly online if you pull your credit reports online or you can also send dispute by mail or by phone you can do it as well I recommend you go to annualcreditreport.com so if you want to jot that down annualcreditreport.com that's the website that I recommend to all my clients you know pulling their credit reports and what's going to happen it's going to ask you what reports do you want to pull from so I would recommend checking all three of them and you're going to have to go through an identification process so they are going to ask security questions so in order for you to get access to it you're going to have to answer those questions correctly otherwise if they're not able to verify your identity then you are going to have to most likely request it by mail and they're going to request that you send in certain identifying information such as your ID or other types of identification that they would let you know at that time and again there are also you know third parties like credit karma that actually provide their own credit report for free for individuals who actually subscribe to that agency and there are other things like personally for myself if you have I know for example AAA they also have their own program where you can sign up for that where you will actually get notices from them and you can access it and it's kind of like a credit monitoring so if they do notice any sort of new activity you will get notified so you know if you do like I said belong to AAA I know that they also have like a credit monitoring that you could subscribe to you know in addition like I said to places that a lot of you probably already subscribed to like credit karma and things like that and as I mentioned earlier keeping your old accounts active so again if you have an account maybe that you haven't used for an extended period of time you know making a charge on it to keep the activity going is definitely recommended again I don't recommend closing the account even if you're not using it because if you close it it's going to stop your credit history and your trade line at that point that you close it so yeah make a charge on an account that you may not have been using for an extended period of time also it's a good idea to limit your balance transfers so even though transferring balances let's say to a teaser rate and it could be an effective way to get out of debt but it also could negatively impact your credit score because typically what will happen is number one you're opening up a new account so you're applying for a new account which is going to cause a hard inquiry on your credit report typically you're going to see about three to five points lower for your credit score for opening up a new account and typically when someone is trying to transfer balances from credit cards they're going to usually try to transfer the maximum that they're given for credit so what that means they're going to be probably close to or at their credit limit when they open up this new account to try to get you know as much transferred over as possible so that's something you want to just kind of be mindful of you know doing balance transfers although it could inevitably save you on interest it could potentially still impact the credit score avoid you know excess credit applications so again when you apply for credit your score will decrease just a bit typically I've seen about three to five points and if you're applying for credit frequently a creditor can see that as a sign that someone is needing to rely on credit to pay their bills so again you know not applying for too many credit applications and last but not least you have to be patient so one of the biggest factors in credit is time so you may feel like credit mistakes are going to haunt you forever but remember your payment history from the past two years is much more important than what happened before that so keep in mind that most negative information is removed from your credit report after seven years typically again with the exception of a chapter seven bankruptcy and potentially it could be if you have a judgment and that could be renewed for an additional 10 years so those are some ways to improve your FICO score so for those of you who maybe have had some challenges with your credit score these are some suggestions that you can look at to improve the FICO score next slide one of the other things that I see for people who are looking to maybe establish credit who have never had credit before or they're looking to re-establish credit one of the participants mentioned you know that they were looking to re-establish their credit so there are steps that you can take to establish or re-establish your credit so a quick fix to any damage report is to pay off your old debts so pay in full make payment arrangements offer a settlement and a settlement a lump sum payment that will satisfy the debt but you're paying less than the amount that you owed typically it's going to look better on your credit report for paying an old debt or a collection especially if you're looking for things like applying for an apartment rental because they're going to look at that and they're going to see that you at least attempted to pay the debt versus leaving it unpaid you also want to look at applying for a secured credit card so this is one way to eliminate the risk of a lender's willingness for you to establish an account with them so unlike with a regular credit card a secured credit card requires you to make a deposit with the creditor which they will keep in the event that you stop making payments now with a secured credit card it's typically easier for you to get one of these accounts than a regular credit card now the credit limits on these secured cards are usually low and the fees on them can be high so it's definitely something you want to research when you're looking at secured credit cards you want to look at do they charge me an annual fee what are they requesting for an upfront deposit and another thing that I recommend is if you currently have a bank that you're working with check with them to see if they do offer secured credit cards because a lot of the times you already have a relationship established with that bank there's also another good website you want to put this in the chat box it's nerd wallet and nerd wallet is another good resource you can go on there and they will have a tab for secured credit cards that you can look at and it gives some good secured credit cards to also look at you know a lot of my clients have had a lot of success in getting secured credit cards from that website so I would say nerd wallet would be another good resource some other ways to help establish or re-establish credit is to ask for a family member or friend to cosign for you make sure though they have a good credit history now it's also important to be careful because with this type of an arrangement you know if this person would make late payments it's going to reflect poorly on your cosigners report as well so that's something you want to be careful about is cosigning the other thing is sometimes you can be an authorized user on someone's account so what that would mean for example my mother has an account and she's going to put me on her account as an authorized user so when I pull up my credit report I'm going to be able to see that on my credit report but I'm not responsible for making the payments but it will sometimes help to establish or improve your credit score but again you have to really be confident that this person is going to not only make payments on time but they're not carrying large balances on the account that they put you on as an authorized user and again many credit reports may contain mistakes so that's why you want to review them at least annually to make sure that all the information that's on your credit reports is accurate and that's where disputing any sort of mistakes is going to be very important. Next slide but I think we might have had a question I saw something pop up in the chat box. Akeel's been answering the questions in the chat. Oh thank you Akeel. Now have any of you come across like an ad online or an advertisement on tv or even gotten like a personal email saying the company can increase your credit score by lots of points now if these advertisements seem too good to be true it probably are so these companies that you see they claim to repair consumer's credit reports but they often charge high fees. Now typically they go the way they go about doing this is they may dispute any sort of negative information on your credit report even though it may be accurate information so once the information is disputed if the credit bureau is unable to investigate the claim within 30 days the information will get removed temporarily. Now this rarely works since they are generally able to respond in time to address the dispute now even if the information is removed due to a backlog of requests it will be re-reported by the creditor or it could be at a later date so you really want to be cautious of you know these places that say we can improve your credit score and then another way that I've seen that these companies work is they sometimes can issue consumers a new identity and this is something that I you know just had found some information about so they may issue consumers a new identity with a tax identification number to use like a social security number this is illegal so this is something that I heard you know was a new thing by trying to issue consumers a new identity now there really is no legal way to remove accurate and timely information from a credit report now I recommend it's better to take steps yourself to dispute any incorrect or outdated information or that's why we're here as financial coaches to assist you and guide you through the dispute process and again you can do it on your own free of charge so you don't need to go to the company to do it for you you can do it on your own Howard you're kind of fading in and out okay is this better yes so as I was mentioning it's always better to dispute something yourself or get the advice of a financial coach because it is free of charge to make disputes as opposed to going to a company that's going to say you know we can do it for you we can boost your score all these points because again these companies are typically not really reputable or they're going to charge high fees and also I would recommend you look at the better business website because you may find that they have a lot of complaints levied against them so be aware of these credit credit repair places that say they can repair your credit next slide so learning to manage your money is really vital so by designing a realistic spending plan or a budget and this is something that we work with you know with clients during a coaching session you will be able to avoid using credit to supplement your income now this is going to inevitably reduce your credit score even if you're making your payments on time so you really want to you know stay clear of having a reliant credit card to pay your expenses on a monthly basis now since so much of your score is based on your payment history part of every good money management system is knowing when your bills are due and never making late payments now if you have excess cash and I know that may be difficult for a lot of us it really should be used to try to make good on paying off old debts now if there's not enough money to pay the debt in full with your current income and expenses see if you can cut down on some of your spending or increase your income because those are definitely some ways to help look at you know balancing your budget and again you know those are things that we we typically recommend during a coaching session if we're looking at a situation where let's say you're coming up with a deficit every month meaning that you're spending more than what you're making we really want to have you look at your budget or spending plan and see where you might be able to make some reductions in expenses how are you cutting out quite a bit now is that better yeah okay so yeah so maybe working with your financial coach and looking at areas where you might be able to cut down on some of your expenses or looking at are there ways to increase my income work overtime supplement my income maybe with a part-time job so these are some other ways that you can look to better manage your money also having a healthy money management plan can include things like emergency savings account and typically what we recommend is three to six months worth of your essential living expenses is recommended that you save for emergency so that way if you have a crisis you you know lose your job you become sick and you're not able to have a source of income coming in instead of using a credit card or taking out a loan which would inevitably lower your credit score you would have this emergency all back on can you repeat that because you cut out and we miss it that last bit of your last sentence about saving for emergencies okay so when you're saving for emergencies we definitely recommend trying to look at what your essential living expenses are my rents my utilities my groceries and you really want to work towards a goal of having at least three to six months saved for emergencies because if something was to happen like you lost your job or you got sick and you couldn't put it work you want to know that you could at least cover those essential expenses things like rent utilities groceries for a minimum of three to six months so you don't have to rely on taking out a credit card or a loan or you know having to go to let's say like a payday loan company that charges really high interest rates or even I've seen some clients get a title loan on their paid-off vehicle so you know having a savings for emergencies is definitely something if you don't have you really want to work towards um work towards um having that next slide now how many of us track our expenses a lot of us may go to the ATM take $40 out fast cash from the ATM and it disappears really quickly we don't really keep track of where it's going so tracking expenses is really important because it can provide an understanding of where your money is going each month so in the beginning what I would recommend is spend as normal and you can then look at your tracking at a later date and make adjustments as needed so there are some ways to kind of like effectively you know track your expenses and I recommend you may want to kind of consider these options but again you want to look at the one that's going to work best for you so that that way you keep utilizing that way um to keep tracking your expenses one of the ways that you can track your expenses and this may be old school but a lot of you know clients still do this where I recommend maybe having a notebook and just writing every purchase down that you've made keep receipts for like any purchases that you make you can maybe put them in an envelope and you know tally them up at the end of the month typically what I like to do is organize my receipts so I may have different envelopes for different things also one of the other things that I found that's a good thing is you know when you go to the ATM and you're pulling money out of the ATM we may not necessarily know where that money is going to so what I've done in the past and other people have done is maybe you know ask for the receipt when you're pulling money out of the ATM and just physically write on the ATM what you're using that $20 for and then put it aside and that's going to be another good way to kind of track your ATM withdrawals or you know if you're using a debit card or a credit card those are awesome. Hey man. Howard I can't we can't hear you if you could just face your microphone then it usually works. I am doing that okay so I'll try the best I can now there's also like online computer tracking programs that some people are currently using so these may be things like mints maybe a program I've heard that clients use now a lot of banks and credit unions they also have their own computer software tracking programs so if this is something that you want to look at you may want to look at online when you're doing online banking with your financial institution and see if they have any tools that will maybe assist you to track your monthly expenses so that would also be something else that I would recommend that you look at as well and this could be another way to more effectively track your monthly expenses. Next slide now it goes without saying but living within your means it seems like the most common sense idea to do but you know this can be actually challenging now increasing your income is another way to kind of increase your cash flow but it's usually the one we have the least amount of control over now things you can do to maybe look at increasing your income working overtime maybe getting a part-time job if that's possible apply for a promotion or maybe selling some assets that you have you know I have some clients that maybe they have storage units and they have items in the them that they might be able to sell you know there's ways now even you know I've seen on Facebook marketplace maybe items that you have that you're not using you can put them up for sale so these might be some other ways to increase your income although it's not always easy something that we should look at is prioritizing our spending now most of us may have expenses that we're not able to reduce or eliminate in our budget you know it's very challenging to you know reduce or eliminate your debt I mean it's possible if you want to maybe look for a less expensive rent but you may currently be in a lease so you know that may be you know difficult you could consider maybe looking at moving into a family member's you know home or you know you know a friend that may have a room that's available to rent you know these might be some ways to kind of reduce and again these are typically fixed expenses that we look at a monthly basis so again those may be some areas that may be more difficult to reduce you also want to kind of look at your budget and maybe think about areas again that you might be able to reduce things that maybe you can postpone or you can maybe substitute other things maybe things like for example you know there are a lot of resources out there in San Francisco where museums may offer you know like a free you know entrance on certain days of the week so you know I would try to take advantage of anything that there might be you know in San Francisco where they might have you know things that are free you know offered to the public and the library has a lot of you know free things as well I think they have story time and Leah can probably you know go over some of those or you can look on the website you know so these are you know a good way to kind of substituting for maybe things in your budget that you may have previously spent money on using coupons you know I even use coupons you know when I'm buying things um you know um that's also another way to try to cut down on your expenses um Howard I like Akil would like to um say something perfect Akil um I think you're muted I'm sorry I would just give me a time check it's 310 um I let me show you um the way to cover all the slides there so just give me a time check great I think we're almost done so a few more minutes next slide so really excessive debt can derail any budget so you should try living on a cash only you know lifestyle um really look at you know keeping emergency cards at home rather than in your wallet try to increase your monthly payments paying more than your monthly minimum amount and you know try to reduce your interest rates so these are definitely some ways to try to um work on you know reducing your debt um more aggressively next slide now do you think it's wise to repay debt and build credit while saving for other goals you not only can but you should you know not only paying down your debt more aggressively but also you know trying to save as much as possible so that you don't rely on credit for emergencies and then you may have cash available later for um down payments things like maybe renting an apartment next slide so what are you going to do now think about what can you do today what can I do in the next three months and what can I do this year next slide now a smart money coach can help you to create a realistic and workable budget that will help you to determine how much you can effectively contribute to savings develop a spending plan to eliminate your debt more effectively help you improve your credit score and also review your credit report so you can make sense about what's on there and we do provide a lot of other assistance next slide okay so I've put down here do we have another slide can you go back from this slide yeah I think you missed one the one previous to this please um yeah that one yep so if you're ready to make an appointment with a smart money coach it is free it's confidential the phone number is there feel free to give us a call to make an appointment to speak with one of us and then on the last slide next slide we'll actually give you some information about the company that I work for balance and the main number and the website are there as well so I know we went over a little bit of our time but you know I hope that you've found this meeting informational and that you've gotten something out of it more than what you came into um and I think that's all I have all right thank you so much Howard we'll have to end this program as we have other things to move on to but thank you all for joining us today and thank you Howard and Akeel for your expert um advice and we'll see everyone at the next program bye bye


Jerry of the circus sorry you didn't think I'd miss watching Belko pull a truck with his teeth See you think it can be done. Mr. Randall. Yes, but it remains to be seen whether Belko can do it After all these circles lots of kind of rough. Oh, I see what you mean It'd be lots easier to pull something on wheels over a smooth asphalt road than over dirt or saw this track That's right. Mr. Randall. Yes Jerry. No, I think it was awful swell of you last night to let Kelly keep that cat Oh, no, it wasn't Jerry it was pure selfishness. How do you mean? Well, you see we needed the cat Yeah, but mr. Randall. Jerry, you remember once my telling you that I always do things with the benefit of the circus as a whole Yes, that I never keep animals or people unless they really in some way add to the circus Yes, but well, you see in this case this cat that rags picked up yesterday in Evansville is really needed Or I wouldn't have let Kelly bring it along. You really think that sick cat will help that new get well It might strange of things and that have happened around the circus really, you know I kind of thought Kelly was kidding The first time since her mate died that Maude has paid the slightest attention anything yeah Kelly said she ate some of her supper last night, too Mm-hmm. You see she is beginning to take an interest in something animals are funny things Maybe once you heard that poor kitten crying so loud She kind of figured there was something else suffering more than she you may be right at that Jerry But the important thing is that a very valuable animal may decide to live instead of grieving itself to death Mr. Randall Belko over here I see you now so mr. Randall you want to see the great Belko pull the truck Ha ha ha I do it easy like a snap of the fingers. It's not all right, Belko Whenever you're ready go ahead you got a good wagon or truck for me to pull and some of the men bring the bandwagon up to The back door good This is the band I put in my teeth you don't mean you attach the wagon to the end of those straps Of course, how else would I do it boy? That's something all right come on Belko Let's get started you got some men to start the wagon rolling sure any of these roustabouts here They're almost through putting up the seats, but I thought you dragged it all by yourself Oh, it's I do it, but you just wanted some men to start the wagon sure sure You see Jerry the wagon must be in motion when he starts his trick is to keep it moving all around the ring Oh, I see. Hey you a couple of you men get in this bandwagon at the back door and hang around. I'll need you later This is the wagon All right Of course, it is good And I count three your men push the wagon slow slow Then push it how far you want me to go around the track. Yeah, then I Belko do the rest you hear that man John Jiminy Griggins. This is your excitement. No ready one Look look all right men push Slow and easy. That's right boys. That's a little faster. Good a little bit more not too fast That's right. Now. Now that's about the speed of the parade. Okay, Belko. Can you keep it going? Okay boys lay off He's doing it. He's really pulling that wagon all right Belko right on around the track if you can do it You're really thinking take it all the way around. Well, I hope so Jerry It'll be a grand trick if you can do it boy. I'll say Doesn't seem to be losing any momentum. I mean they wagons still going the same speed. Yeah See maybe you can do some of those other stunts. He was bragging about like playing basketball with the major No, I mean swinging a trunk around and just holding it with his teeth. Well, we'll find out soon enough this morning Yeah, see that rope hanging down over the center ring. Yeah Well, he claims he can hang on to that with one arm hold the trunk with the strap attached to his teeth and Swing the thing around while we raise him to the top of the tent and down again boy It doesn't seem possible. Hey, looky. He's more than halfway around. Yeah. Yeah, he doesn't seem to slow down yet Looks like he can do what he claims he can say I got a swell idea Well, let's have a Jerry we can always use a good one Well now look at if he can drag that heavy bandwagon around well Why couldn't he haul a lighter wagon with some lions in it, huh? It's not a bad idea. Yeah, say it's a natural Believe you've hit on something Jerry. Oh here it comes. Oh nice work. Oh That's right. Keep going till you get off the back door. That's marvelous. Belko honest. I didn't think you could do it Okay, that's far enough You see what a strong guy I am Well, Belko, I'm sold if you can do that twice a day you can go on anytime of course I do it three times a day four times Belko has great strength nothing bothers Belko and Jerry here has made a suggestion Belko sounds pretty good to me Now, let's see what you think of it. Oh, what is it? If I should give you one of the lighter wagons to drag around You will not hear the Belko complain about this bargain. Did you know? No, but wait until I finish Suppose we use a lighter wagon and put a couple of lions in it I think you could haul a couple of roaring lions along Ah good Good, I like that king of man.  All right. I just thought it'd be kind of exciting You want to try out the trunk turn now or wait, maybe you're too tired Belko just get in practice taking that wagon for a ride All right, I've had a trunk placed over there in the center ring Sam put a couple of men on that pulley in the middle ring You sure it's safe for the men to pull you up to the top of the tent or Belko it is easy like rolling up along For years I do it five times. All right. You're the doctor. The rope has been tested. So there's no risk there See I use the same strut for this. I think it pull your teeth right out of your head You most men yeah, but not the great Belko Belko you better lift that trunk first. It's a heavy one It is nothing good night. He lifted that like I pick up a small suitcase Sure Belko super mile. Well, whenever you're ready. We're ready. Good. Good. Now. First I drop this Then I lift the trunk slowly off the ground. I circle slowly And then faster the trunk will go out in the air Yeah, then I grab the rope with one hand then you give a command Have the man lift me to the top of the tent and down not too fast on the strand Yeah, yeah, as soon as you grab the rope, I'll get the signal to the man to pull. I look I'll pull it now about this fast I get ready now. All right men stand by and and raise that rope just this speed as soon as Belko gets a good hold of it You can count on me boss. All right. There he goes. The trunks leave on the ground. All right. It's flying right out in the air as he swings on Steady boys. There. All right. As soon as he gets a good hold. Good. All right. Pull it up. Slow. Slow. That's right steady. He's still twisting around in a circle. Seems like he's going faster and faster. Yeah. Wait, look how red his face is getting and his neck. Say Mr. Randall. Well, it looks like those muscles are burnt. It's remarkable what the body can stand in the jury. Mr. Randall here. Just a minute. I'll be with you. I got to talk to you, Mr. Randall. Well, not now. Wait till this man comes down. I'm from the Allendale police force. All right. All right. Just wait till this man is through. Golly. Say he's hanging on to that trunk with his teeth. Yeah. Isn't it wonderful? Yeah. I wish my old lady could see this. She'll never believe me if I tell her. Imagine hanging on to that thing with his jaws. There he comes down now. Say he's like a human bulldog. Yeah. He did it. Mr. Randall. He did it. Yes. It's one of the best stunts I've seen in a long time. Okay, Belko. I'm sorry to interrupt you, Mr. Randall, but I got to see you right away. All right. All right. Belko, that's great. We'll talk about this later. Drop by my office wagon after lunch. Yeah. The great Belko will come. All right. He doesn't like himself much. I'll tell you, Jerry, a man who can do things like that should be allowed to brag. I'll say. I sure wish my old lady could have seen that. Yeah. Well, now, what can I do for you, Mr. Shaggs? The name that you sent me out with his note said to be sure you read it and get an answer right away. Oh, I see. Oh, that's bad. Anything serious, Mr. Randall? Well, I hope not, Jerry. Well, I'll have to see Jim Bennett about this. The chief said to be sure you sent word back to him. Oh, yeah. Of course. Well, I'll tell you, Shaggs. Tell him if he'll send a man around here this afternoon, I'll have a report ready for him. Right now, I have the information. Sure, sure thing. I'll tell him. Say, you got a pretty good show here. Best you honor. Well, at least we think so. I sure like for my old lady to see what I just seen. Sure enough, if I tell her, she'd say it was a whopper. Well, I guess we can't have that, can we?  I'll have a couple of seats put aside for you. You will? Well, say, that's great. You can just bet me and the old lady you'll be there. Well, I hope you enjoy the show. You bet we will. Well, okay, Mr. Randall, I'll give the chief your message, and I'm sure he'll send a man out this afternoon. All right. Goodbye. Goodbye. Well, that's that. Say, I hope it's nothing bad. So do I. That policeman was kind of hinting for those passes.  He sure was pleased, though. Well, I hope he and the old lady enjoy the show. I guess there's not much danger there.  Well, it's the best show in the world. Who wouldn't be? You know, Jerry, between you and me, I think you're right. Now, I've got to see Jim Bennett, and I thought we'd moved away from where they were passing that counterfeit. What? More phony money? Not so loud. I don't want this thing to get around. As long as you heard about Fordham, you may as well know that yesterday a lot of counterfeit was passed in Evansville. Good night. Yeah. So Jim will have to check through with the bank and see how he came out. I'll say that's tough. I'll say it is. Whoever's doing this thing is certainly going hog wild with it. I can see we'll have to watch that ticket wagon pretty close from now on. I should think so. But we're almost 60 miles away from Evansville now. Yes, but at Evansville, we were 92 miles from Fordham, and, you know, there you are.  Well, I've got to see Bennett. Jerry, run over to the ticket wagon and tell Bennett to be in my office wagon in 10 minutes. You bet, Mr. Randall.


Okay, so we've now been through most of the software playing around with, we've understood the peripherals and all the embedded software. Now we're going to actually have a look more at the hardware, the physical side of things. So we're saying that the hardware design, with all the bits and pieces we've got around it, we've made it easy for you. So we're going to have a look. We're going to have a look at some of the main challenges for hardware, the different packages we've got to ease your hardware design, depending on what type of board you want to use. We've got our power management IC, which we mentioned earlier on, and that can be used in different modes as well. When you're doing your layout, you've got your DDR routing, and then you need all the other documents, reference boards and extra files to help you design the rest of your hardware and test your hardware. So the main challenges that you have for hardware design, the hardware definitions should be simple. So it should be easy to set your board out and get everything up and running. Your PCB routing should be low complexity. So again, with the different packages, we'll address that. Your supply definitions should be as simple as possible. So external componentry around the device. So again, the PMIC will help with that. And your signal integrity and testing of your signals should be made easy. So those are the four main challenges that you face as a hardware person when you're trying to generate your design. So the packages that we have. So we have four packages available for the MP1 device. So we've got varying pin counts and varying pitch sizes. Again, depending on if you need fully features, like 32-bit DDR interface, or if you need low cost, lower GPIO pins, and 16-bit interfaces. So we've got all those options available to you so that you can actually decide which is the best fit for your particular application. So the 0.8mm pitch devices, these give you the larger physical packages. And some of the periphery has been removed on the DDR. So you've only got access to the 16-bit DDR interface. But it means then you can use just standard through-hole wires to connect it. And you've potentially got more GPIO pins available to you. But you will need either four or six layers depending on which of the pin counts you've got inside the devices. The 12x12 package is a 0.5mm pitch. And again, that one's got some periphery removed. So it's only got the 16-bit DDR interface. And on this one, because of the way the pins are laid out, you will need some laser wires for some of the rows from the top layer down to the second layer to get some of the balls out for the outer ring. And the rest of them can be on-plated through-holes as per normal for that package. And then finally, the smallest pin count is the 10x10 package, so the 256-pin BGA. You've only got three pins on the outer ring, so you don't need those laser wires. On this one, you only need four layer boards as well. And you can use standard-plated-through-holes on this one. So again, we've got a package based on which periphery you require. You need the 32-bit or the 16-bit DDR interface. How many layers are boards? Do you want to have laser wires or do you want to have it all on-plated-through-holes? So again, you've got that flexibility depending on what you're doing and how you want to design your physical board. The PMIC. So the PMIC is there to make your life easier. So as well as providing all the different power rails to the MP1 device and bringing those power rails up in the correct sequence because you have the I2C control between the micro and the PMIC. It also powers all your external componentry on your board. So it will power your DDR, it will power your USB-V bus. If you've got ethernet-5 on the board, it can power that. If you've got a display on the board, it can power that. So it makes your power supply design, in general, for your whole board a lot simpler than using the PMIC. Again, you've got flexibility on the PMIC depending on cost, board space, additional components. You can play around and pick one of the three different options there, depending on how much board space you've got and it can give you up to 20 watts possible power output with PMIC. So again, you can pick the best one that's suited for your application and it helps you simplify your external component count on your bill of materials. DDR routing. So this is normally classified as one of the most complex parts of the layout. You've got the two different topologies. So you've got fly-by topology where you have a terminating resistor. This is normally recommended for DDR3 or DDR3-L where you want 32 bits using two 16-bit devices. Or you can use point-to-point. This is used for normally LPDDR2 or LPDDR3, but can also be used with DDR3 or DDR3-L when you just want a 16-bit single device connected. So again, depending on what you're doing, will depend on which of these two topologies you can adapt in your application. Each of our physical packages will have different routing lengths inside the chips when it comes to doing your full DDR routing. So we have this extra zip file with the guidelines and an application note to help you manipulate the layout of your DDR tracking. So this zip file and your normal software tool that's doing your layout, you can make sure your DDR lengths are plus or minus one millimeter in length and then we can potentially fine-tune using our DDR tool suite. So the DDR tool suite. This helps you go through all the different tests for laying out your PCB and testing your PCB. Once you've got the physical lens down to plus or minus one millimeter, this will provide the fine-tuning that's needed to get it down to a lot smaller difference. So I'll have a talk about the DDR tool suite in a few minutes, but it just makes life a lot easier when it comes to laying out your PCB and changing a few parameters. The documentation. So on the website now we've got lots of application notes and it's growing day by day. Some of the key ones here are the DDR ones. So the memory routing guidelines I've just mentioned there which is AN-51-22. We've got DDR configuration AN-51-68 and then you've got the generic getting started guide which tell you all reference schematics, power supplies, clocks, resets and all that. So that's AN-5031. As well as the documentation we've got all the test related softwares and models and things like that. So we've got the CAD symbol so when you're doing your layouts we've got our CAD symbols already available. We've got IBIS simulations for board signal integrity. You've got your boundary scans, your BSDL files for doing your testing and you've got the system view description file as well for doing the CAD. So all of those files are now on the website so you'll be able to download them from the links that are there on the screen. Finally we have the wiki. So the wiki's there with all the useful information. You saw the slides earlier from the wiki in the day. You can click on that, you find everything else. All the apps, notes, data sheets, reference manuals, errata sheets, board schematics and the user manuals for each of those boards. They can be found on the wiki as well or you can find those on the main sd.com site if you choose. And also on the wiki you can find all the ROM code and hardware related information so bootpins, flash connections and things like that. So again the wiki really is the focus point for all of your finding all the documentation and all the extra bits that you need around there. When it comes to the boards, we've got each of our boards. So this is our eval board. So sat on top of the eval board just above the display you can see the daughter card. That was ED1 and the main board is EV1. And we provide you with all the manufacturing files for these boards. So the schematics, the bill of materials, the Gerbers and the Altium project files. All of this you can get from the website sd.com. So there's a dedicated link there for sd.com. So also a very good board if you just want to play with certain features. If you've got ethernet, some form of display, an sd card running things, you need a camera, can bus, usb's. That big board's got most of those peripherals bonded to connectors so you can just quickly plug things in and have a play around with the different boards. There's two flavors of the board. There's one with security and one without security, so depending on which you choose.   So it's a smaller display, not as many connectors, but again on the website, we provide all those files, again, bill of materials, schematics, design files. And as before, we've got two flavors. We've got with and without and security. So again, depending on what you want to play around with. So based on all those features you've just seen, all those four challenges we saw right at the start, seen as complex. So your hardware definition, well, you've got Cube-MX, which helps you do your layouts. You've got the reference boards, you've got the application notes, and you've got the wiki. All of them can help you show you how to layout and how simple it is to layout your board. Your PCB routing should be low complexity. So we've got those DDR tools. You've got the reference designs. And you've got the smart package definitions, depending on which pin count layout you want will depend on how easy and how complex your PCB routing is. Your supplies definition to cut down on external components. You can use the PMIC, reducing the number of external power components. You can see how we've used that PMIC in our reference designs on our application boards. And you've got the application note for getting started to see if you're doing a very minimal design, what the minimum bits of information you need and extra components around the device. And then finally for your signal integrity and testing, we've got all the BDSL, IBIS models, and you've got the DDR tools for fine-tuning your DDR interface to make sure it's as optimized as possible as you can possibly get to make sure that your data integrity of information transferring around the board is always valid.