some of the best ingredients and some of the best doses you could put in here. And then you have this supplement and I don't really 100% get where they're going with it. Hey, what's up guys? It's Josh here today. I want to do a little review on genius sleep aid and this review is going to be a little bit more of a topic, a little bit more of me having not tried this supplement. I ordered, I think genius consciousness and somebody accidentally sent me this genius sleep. I don't use anything with melatonin and this product contains melatonin. So although I really like genius products, I did try it once just to, you know, try it out. But I find that this supplement is actually very interesting. It doesn't really use a lot of the typical sleep blend ingredients, usually genius brand, some of the best ingredients and some of the best doses you could put in here. And then you have this supplement and I don't really 100% get where they're going with it. It only contains five ingredients, L-glycine, L-theanine, rutacarpine, minositol and melatonin. Glycine in my opinion is supposed to, I think, increase water to the brain. That's kind of the main effect. I think it has neuro-protecting effects because you put more water in the brain. Things like that. I haven't really ever seen it in a sleep aid ever. And then you have L-theanine, which I think L-theanine is actually pretty nice. I would use L-theanine for sleep. L-theanine, in my opinion, is kind of good for getting this end out feeling it can make you a little sleepy. It kind of goes a little bit good with caffeine and it kind of is this little balancer. Not the first thing that I would put in a sleep blend, though. They put it in there. It is going to help. 100 milligrams for the serving and usually L-theanine now would take at least 200 milligrams. So it's kind of cut in half. And then you have this rutac-rudea-carpine. I'm sorry I pronounced that wrong. But probably the most exotic ingredient in here and that's basically something that I believe gets rid of caffeine faster in your body. So if you had caffeine later in the day, you take this rutacarpine. However you say it. And it's supposed to get the caffeine out of your body a little faster.  So that's basically only people who use caffeine and only people who are using caffeine late in the day, which is exotic and it's very nice. I appreciate that, but I just felt like something that was more relaxing or something that is more calming would have been a better addition to this because it's going to work for everybody, not just somebody who takes caffeine. Although most people do take caffeine. Inositol, from my understanding, I heard that it is good for sleep. But in my opinion, it's supposed to be some sort of like a B vitamin blend. And I think B vitamins are pretty good for sleep. But they're not the first thing that I'd put in there. I put a lot of other things in there before I put just a little bit of the B vitamins. So I'll do a little bit of extra research. I'm sure there's a reason they put it in there. And I know I've heard that inositol is good for sleep. To me, it's just not the first thing I'd put in there. If I was only going to put five ingredients, I probably wouldn't put it in there, but I got to do some research to see how good it is. Melatonin, they only put 0.5 milligrams of melatonin in here, which is a low dose. I mean, some supplements, they'll put one, they'll put two to three. Rich Piana supplement, he put eight, which is just crazy. And it's so sad because I loved Rich Piana supplement. But as you guys understood from this review, I don't really like taking melatonin. So melatonin is a hormone. It does help with sleep. But in my opinion, I would want it to be naturally secreted in my body. I don't really want to take just something extra to give you an analogy. Steroids is a hormone just like melatonin is a hormone, but you wouldn't necessarily take steroids to get stronger because of all the negative side effects with it. You'd want to do something natural that would help you.  That's not the best thing. Although it is low dose, for me, I just don't like it. The only time melatonin is good to take for sleep is if you're going to start a new sleep cycle. So if you went on a plane trip somewhere or you're starting a new job and have to go to sleep at a time, you're not used to going to sleep. This is actually good, but most of the time people go to sleep around the same time. And to be fair, guys, I only took this supplement once just because I've had such bad experiences with melatonin. When I did take this, I did take it or I was trying to go to sleep at a different time. It actually felt okay. I've taken all these things by themselves. I did order that rutacarpine a long time ago in the powdered form. I haven't done enough testing on it just because I normally don't drink caffeine that late in the day. And it just feels weird to take some caffeine to test if the rutacarpine is going to work. I don't know why, just for me. But I do like that in here, although it only affects people with caffeine. I just kind of wanted to give my opinion on this. As somebody who takes sleep supplements every day, it's hard to give you my favorite sleep supplements. I really like passionflower. I like valerian root. I like... Athenine is solid. I prefer L-tryptophan, chamomile extract, lemon balm extract. There's so many different ones and there's even ones that I didn't try. If you were to take high doses of any of those ones that I just mentioned, they would all work. And I'd prefer all of those in a sleep blend. That's just me personally. But Genius is a really, really, really good brand. I take Genius Consciousness almost every single day. Genius Pre, I think is one of the best pre-workouts that is per pump only. I really, really, really like Genius Mushrooms. It's a very well-priced and balanced mushroom blend. I like a lot of their stuff, just this one. For me, I don't only see the benefit as much. I don't think this would be beneficial to a lot of people. But maybe I'm wrong. Do you like this down below? Do you use any of these supplements for sleep? Maybe it would work for you. I don't know. I just prefer no melatonin. It's on the road of 50,000 subscribers and I couldn't do without any of you guys. So I hope you guys are the best. I'm having a great day out here. Hopefully, having a great day at home. See you all in the next video. Peace.


Thank you very much, Ambassador Park. And last year, I also joined in this panel workshop. And this year, again, I'm very glad to be included in this room. Or I should say that I'm very glad that Japan is also included in this room. I just remember that last year, the situation is quite safe. I remember that I was the last pickup apps. And so many faces who have been waiting for two hours to ask question or comment. And Ambassador Park told me that I have only seven minutes or six minutes to comment. And I have to brief. Maybe this year as well, maybe I have to be brief to go to the question and answer session. Of course, China and perhaps United States, of course, two elephants in a room in East Asia. And Japan is not equal to these two giants. But I would say that Japan is perhaps one of the most influential player in the region. Or Prime Minister Abe is becoming perhaps the most influential player in the region. One of the reasons for that is that he's quite close relationship or friendship with President Trump. I think it's quite exceptional to be such a close person to President Trump. And of course, I would suppose that President Trump cannot sit in a room for three hours to discuss something quite serious like we are doing in this room for three hours. So that's why the best way to talk with President Trump is to play golf. And tomorrow, Prime Minister Abe will play golf with President Trump in Japan. And I think that they will spend more than several hours together. And of course, in the meantime, Prime Minister Abe will talk and inform so many things about East Asia security international relations as he did in Florida in this year, February. And in February this year, in the beginning of this year, he played a golf as well with President Trump. And Prime Minister Abe informs so many things about China, about Russia, about North Korea, or everything. So many things. Because President Trump had no serious experience in politics beforehand. That's why he wanted to know some personalities such as President Xi Jinping or President Putin or some other readers. Because Prime Minister Abe met with President Putin 20 times at a summit meeting. And of course, Prime Minister Abe met with President Xi Jinping many times as well. That's why I think that it is quite useful for President Trump to talk with Prime Minister Abe on various issues of world affairs. And what I want to talk about is the Japanese approach to the rise of China. Of course, rise of China is one of the most significant events which Japanese politics has faced recently. And Japan is now approaching to the issue in two ways. One way is now, Japan is trying to improve its relationship with China. Last year in this workshop, I predicted that the sign of Japanese relation would be improved. And I was afraid that I was wrong. But I think that I was not wrong. Because in the last one years, there were four foreign ministers' meetings and two summit meetings. And between 2012 until 2014, there were no summit meeting between two countries. But after 2014, for three years, there were four times summit meeting between the two leaders, Prime Minister Abe and President Xi Jinping. So it's easy to understand that two leaders are trying to overcome some difficulties regardless of the existence of territorial issues with some other difficult issues. But they, I think, both, as I said last year, are quite pragmatist. And they fully understand the importance of better relationship between the two countries. That's why recently two leaders began to say that Japan and China are number two and a number three biggest economy in the world. So it is essential for the two countries. And it is also really responsible for the two leaders to make a stable, peaceful regional order in the region. That's why I think that trend continues, even next year, as well, the two leaders with much more powerful political base. I think that they will continue to improve the relationship between the two countries. And the other approach which Prime Minister Abe is taking is to create democratic diamond, which Prime Minister Abe proposed in December 2012. According to Abe, Asia's Democratic Security Diamonds has four powers, United States, Japan, and Australia and India. And according to Prime Minister Abe, that four democracies should cooperate more, particularly on security issues. By cooperating much more deeply, the four countries, United States, Japan, India, and Australia can create a much more stable, peaceful Indo-Pacific region. They are using a new regional concept of the Indo-Pacific. And they're trying to consolidate the norm, such as, of course, freedom of navigation and in some ways, human rights and democracy and so on. So that's why I think that in addition to improving bilateral relationship between Japan and China, I think Prime Minister Abe is trying to create this kind of league of democracies or Asia's Security Democratic Diamond. And I think that in the coming summit meeting between Prime Minister Abe and President Trump within a few days, two leaders, I think, will propose much more concrete vision of this regional order. Sorry. And then I'd like to point out, within a few minutes, before ending, that there exist two regional concepts. One regional concept is defended by China, Chinese government. Of course, this is Belt and Road Initiative, BRI, and this continent or Eurasian vision is strongly supported by Russia and two great powers. Russia and China are trying to create a continental, more or less, international order based upon a very strong Chinese power. And the other regional vision is defended by United States, US-centric in the Pacific order. Well, previously, it is often called as liberal international order. Of course, this is focusing on the importance of freedom of navigation in the sea. But this is becoming more and more difficult because of the Trump, President Trump, because President Trump has been showing much more inward-looking vision of the world. And that's why without strong American commitment, I think that Japan has to change a previous strategy to the region by creating, like, TPP without the United States. So without the United States is a new trend in the regional vision of Japan because it depends on the United States, the will of the President Trump, whether the United States is intending to join in that kind of regional order. And of course, Japanese government is always trying to invite the United States to come back or to join in this kind of regional framework. So in the end, I'd like to conclude my talk by saying that even though there are two regional visions, it is also very important to bridge two regional visions. We do not have to see the new Cold War between the two blocs. And two blocs are different from Cold War blocs. There are some overlapping, like India and Australia joining in some of China's initiative, such as AIB. And a Japanese Prime Minister Abe recently supported the idea of a Belt and Road Initiative. That's why I think that there are many rooms to collaborate between the two regional visions. And of course, there are some overlapping. And I think one of the most important Japanese strategy is try to combine two different books of regional order as much as possible. But at the same time, it is essential for the Japanese Prime Minister or Japanese government to try to invite the United States to come back to the regional order as a leader of this region. Thank you very much.


Later what is this everybody and welcome to show and tell it's me Lady Ada with me Mr.. Lady Ada where your show and tell co-hosts for tonight. Sometimes we have a different folks come by like JP or Melissa or Liz or none Pedro Don't worry. We're taking turns. They'll come back and they'll be hosting show and tell be so guys for a couple more weeks Team sport. It's a team work working together dream work We heard the infantry factory and downtown Manhattan. This is where we manufacture stuff You can see the factories nice and quiet because everyone's home It's time for 25 minutes of checking in with people from around the making community that includes you We had empty spots if you want to come by Yeah, the links and discord stop on by and folks are working on projects For Halloween. Yeah, you know get them ready for maybe the last couple weeks of October and come on by But for now, let's check in with Melissa. How are you doing? Hi, I'm doing good. I have been working on Updating the tensorflow guide here so I can run on bullseye so you can see it here. Oh, nice I have it running the bullseye desktop. So I'm just gonna start it up. Yeah SSH here Yeah, I still think we have one of the best demos for showing how this stuff could all work and And then I'll show you like a few things to attack here like Throw there we go. It thinks this is a remote control. Just yeah, I think it works. Well, I mean, it looks like I think it's remote control, too Right. It goes either keyboard or remote control.  So that's that's true. Let's try this This cup here I think It's not saying enough of it here. It's very hard. It's also okay. I know I'm trying to Know that this is actually this is not it Okay, anyway It's not the test of the machine learning but as the human capability to get the machine learning into a good spot in this case Yeah, and Anyway, so I got this running on bullseye now. It's actually we're running really good. I did a couple optimizations on it as well the guide should be It should be finished up here shortly the I have a pull request and actually have the changes I did for the Software that runs the vision checking here and That one that should be updated soon Okay, well people get raspberry pi 4 is if they want to machine learning projects I think we also have a pack in the store. Yeah for Microsoft I think this is one of the only non frustrating and things that you can show because you start like one of the things that we did is Once we got it going and wasn't too hard to do Now we have a guide is we had like a picture book of animals. It's really good with like panda and leopard It's very good to show. Oh, this is what you can do with machine learning. Then we had the text piped out to audio So you can hear what it was saying to us. That's those are neat projects to do Yeah, and then this could be used like in a Halloween project. So you could like detect certain Costumes and have it that would be cool. I feel like all right. You know if you want the most candy.  No, yeah Yeah, that's true. We have I don't know if we have we should Melissa. We should do a The mic Microsoft's What's their machine learning low love? Yeah, you could do a lobe Candy detector. Yeah, we did bakery and it was really croissants and different types of bread were very easy to figure out and it was an all-in-one where it would have the machine learning Look at the pastry and without even having to touch the pastry good It would tell it would say what it is and then it would ring it up And then it would charge you and then it would have the little receipt come out So kind of a neat neat neat little project with an application because a lot of these things are Solutions looking for problems. Yeah There is useful to like I want I want the Snickers mini bar or the Reese's pieces I don't know for someone to make like a teddy bear toy and You know kids could Kind of learn how the program training on things like oh, here's things that I have and then it would start to recognize Things, you know, obviously you wouldn't want an internet connected This is why this like machine learning on the edge stuff is kind of fun because that demo wasn't connected online at all It's just all things running local But I think that'd be kind of neat to have like a cyber teddy bear that would just talk the things that you show it It's actually kind of funny the teddy walks by now that we did it, but they didn't add machine learning to it. Yeah Anyways, there's some project ideas for folks probably be a learning guide soon. Okay. All right. Thank you maker Melissa All right Pedro I am hoping that you have a Some type of phone or a computer that maybe he grows hair or coughs or maybe get sick or something like that That's what I think the future of computing is you have anything like that this week Yeah, so this is actually your idea. You found this really cool like Victorian type style like Lady who was like holding her phone and just completely blends in really yeah, perfect as you know Halloween props So you can make it sweat in the video Yeah, the piercing was did you have to go to the piercing to go to the mall to do this or did you know Yeah, so you showed me that and I was like, how do we actually make this useful and then we got some pop sockets Yeah, this is totally useful. I think it's hilarious. It's also a pop socket Stand does all the when you're holding stuff because you know, let's face it. We're doing all the work all their social media I can't do any of this on a computer, so this is perfect for you have to shave the sideburns off before you went live on this or Add hair onto this. It has a five o'clock shadow That would have been so cool But I ran out of time doing like all the follicles But one of the cool things is with the pei sheets you have on your printer You can actually get like that texture that kind of looks like yeah Yeah, it is a nice rough texture Yeah, like a goosebumps or something. So yeah, like you said, it's just a pop socket. You have like this little cover here You can see yeah, almost has a fringy look and then the um the prosthetic like the skin tone Prosthetics, it's the tpu. So super flexible. It goes right on protects your phone all that I have the fusion 360 fall if you don't want to do this You can have like a regular like phone case for the iphone 14 And I think we've been doing this since like the iphone 6 so on the everything of our site uh in on the learn repo There's every model phone on there. Yeah Always go down and uh Get the newest ones or you get the oldest ones and I get the cases for that and do Do some modifications like this one of the coolest comments we saw on the youtube was like, oh, where's like the vulcan ears?  I think that looks very similar So yeah, this week's project you can get all the files and to check out three hangouts We talk about all of the printing and ninja flex the slicing's all that the the challenges Years Yeah, okay. All right. Thanks so much and we'll be showing this uh video Tonight and then for folks who have been on the internet for a while. There was a really good onion Uh article post when tim cook took over apple They had uh just you know google it or whatever and it's like tim cook releases new laptop It was like the new iMac and it had like hair and it coughed and it got sick and had mucus And they're like he's ruined apple because everyone was trying to claim that that was going to happen So anyways, uh, this goes along with that. It would sniffle when it started up. Yeah Anyways, all right All right, Liz. How you doing? What's going on? Hey Uh, so i've been working on a clue barometer. Uh, and what that does is it takes the air pressure sensing and it, um Calculates with your elevation to get um an accurate reading with the servo So i'm going to power it up so you can see the servo go into position And it's mounted on a paper plate so it'll be easy for folks to To make on their own. Um, and even the arrows part of the paper plate, uh, and On the screen we've got the temperature and pressure reading and then if you press the a button Um It goes into metrics so you can have it in celsius and uh hpi and you can switch back and forth Depending on your, uh, preferred Units And this will be a guide coming soon. Um, and it's also going to be a pilot project So folks can do it over the air and i'll talk about um editing your, um Elevation in the code using a file glider as well All right Thank you so much. Liz. No problem. Have a good one. All right jp. What you got going on this? Hey, I I have two keyboard related things today actually so More keyboard done with keyboards. We're not done with keyboards. Never Never ends. Uh, so this is i've been working on this split ortho keyboard I showed it last week and now i've got uh an evolved version of the Design and how i'm putting the two split pieces together But one thing i wanted to show was just a little bit of a wiring Trick uh or tip that i'm that i'm using on this so this is the uh sort of my my Development one so i've put on some headers. You can't really put this in a case. It's got these big, um, yeah Jumpers on it So when i'm wiring this for fitting nicely into this small case What i'm doing is i'm using our really thin silicone stranded wire, which i think is like 26 awg or something like that Yeah, i get extra long lengths of it and then i solder them to the columns and rows on this PCB and then placing the TCA 8 418 where it's going to be mounted and then i Essentially pull the wires through to the proper length. This is hard to get these all to proper length So as i pull those through and i'll go and check on the other side I can get much much neater wiring than I see you're doing Since the silicone stranded wire is uh is so so lovely and happy to be de insulated You can just grab it with your fingernail and pop off like a little like a millimeter or two of the Um insulation once you've cut it So you don't even need to really get in there with wire cutters if you don't want to be really friendly to work with Then you just pull it that extra bit We'll tin them first pull them that extra bit and solder them and then you get what what should be a pretty neat soldering job with all the wiring At a proper length. So that's a little Little tip. I've done stuff like this before but not not one quite as messy as this. So we'll see how that turns out I'll put that in the guide The other if you want to switch just back to my main camera the other keyboard thing that I realized I wanted to show And this is somewhat jepler jepler related Because it could be a challenge for him This is my uh dreamcast keyboard that I got to play On dreamcast. So this was a uh, uh, sega dreamcast sega made Uh controller. So oh, wow together these uh, and they're pretty common. I don't think they're that expensive If you want to go grab on ebay. There were a couple revisions of them into Japanese. It definitely looks like, you know, the del quiet key It's I think it's a rebranded. Yeah, it didn't make that from scratch. I don't think it's nothing great It's just a rubber dome kind of keyboard. Uh, but it is interesting in that the okay, so the plug here that is The dreamcast plug. Yeah But I looked into it and it is The protocol they're using is not anything that anyone else is proprietary protocol called the maple bus Right and the maple bus protocol has been reverse engineered by some people and and it's uh, It's a very I think it's a high data rate bit bangy thing that's not Super straightforward. So I'd be curious if jepler is up for a possible challenge. I think jepler will take the challenge Will he get a will he get a dreamcast keyboard to to work as a usb Uh keyboard or at least if I pay for it. Yeah, he will Here's one that we have it's a asking keyboard controller. It's the nintendo gamecube one and um It's exactly what you think it is. So, you know, it's it's it's It's a controller like this. We have some photos You tell some guy came up with this in a meeting and like everyone's like sure Do not argue with sensei. I mean this is his idea This was only released in japan And uh, it's like kind of the best keyboard in the world. It's also kind of the mullet It's got business in the front and part of your back as far as like the yeah But then you get the big bulbous. Yeah, and it's like yeah, it's interesting. It's like, yeah, it's like super like It's like bulbousy and and like you you can tell that like we don't really know what to do back here The switch pro finally dropped everyone. It's here. This is our unboxing Yeah, like and subscribe smash that I don't know what game.  You were connected online at least we we connected online with our green cast modems And then get in waiting room and wait to go out on adventure And I honestly don't even remember if we were against other humans or if it was just uh I think if we were yeah, is it like a closed mmo where it's like you can do it together But it's still it's more like you a remote version. I think it's like remote four people than I think it was like a remote co-op kind of thing I feel like there's a remake for this or an addition to it because if you're gonna have controllers on the side You kind of want to do this, but they didn't have low cost accelerometers at the time But like this is what I want to do the first thing. I'm just like I want to drive this thing Oh, this is right. Okay. Well, we have some challenges ahead. All right. That's what I got All right. Well, thanks JP and then tomorrow. Yeah, if you worked up. Yep. See you. All right All right, we got some show telling me Yeah, I'll bring up my Bloomberg terminal next week. Okay Hey mark, how's it going? It's pretty good now that I got OBS working. I learned do not update OBS Don't ever you go live. Yeah, I've learned the hard way like every time That's a lesson that I just learned tonight. So I'm hoping I'm gonna actually test see this isn't Is it live yet? No. Yeah. Yeah, we see we see some pumpkins Yeah, Canadian pumpkin Yeah, I actually made the Canadian pumpkin Uh for a friend Who of course it just went blank Now now we just see the dark blackness of Your soul Come on OBS Okay pumpkins for back. Ah, you can see my hand. It's live. Yeah. I was just gonna say I I made the The Canadian pumpkin actually for one of my friends who just got her Canadian citizenship And it seemed pretty much but given that it's October. I thought I just provide an update I know people like see things as they're being built So the middle one is the fancy one that I've got a couple screens in and that right now it's really just uh Test fitting it's held in basically with tape Uh, I finally have the right shape Uh to hopefully hold all the components in and Oh spooky So it does have a little functionality I like that you can do the Canadian Flag You know, it's a little harder to do other countries on pumpkins It worked out well that you yeah, you can get just a vector image and yeah easy to put in fusion Not every flag, you know, there's probably a list what What flags can be Or national symbols can be on pumpkins. There's probably wikipedia page If not, there really should be someone's on now. These are nice Yeah, thanks, uh the pumpkin models the small ones at least are on Thingiverse So anyone can download them. I also put the fusion file on github Again, if anyone wants to modify them and make their own pumpkins and see what they can do All right, thank you. Well, thank you so much mark and keep coming back. Happy halloween Month of october is canada day. Yeah, happy canada Canada day in october. Yeah, all right Okay, buddy Toronto scary. That's our, um, Woo universal healthcare Um, so, uh, that's our show until for the week. That's right. Um, we'll be here next week everybody get your halloween Costumes your halloween items and more or just bring anything like old keyboards and more Um, we have a whole collection. I think maybe next week. I'll show off another keyboard. I have a few others here that, um I don't think folks have seen lots of uh mistakes of keyboard past To be visited by three keyboards keyboard of the past present and future Ooh Okay, that's your uh show until for tonight. We'll be doing ask an engineer in just a few minutes. We'll see everybody Next week. All right. Thanks everybody


Merlin's beard. Yes. This is awesome. I need to get it on this It's too bad the sequel didn't quite hit the same peaks this one did huh Galahad Galahad Hello, right. I'm obviously not here. I'm gonna go start the show Fake laugh that was certainly fun wasn't it? It's Kingsman one versus Kingsman two on movie feuds Cox on the table. I believe is the expression I wasn't expecting a lot of the Kingsman one Matthew Vaughn is a solid director for sure But the movie looked like an over-the-top old-school James Bond. Why didn't I expect a lot out of that premise? That's freaking awesome and the movie was a big reason It works so well as the stellar cast of quirky characters Taryn Egerton plays the unconventional rebellious character Exy It's a pretty standard set of traits to give the protagonist in a movie like this But if it ain't broke why fix it the real star is Colin Firth as his mentor Galahad a very unconventional role for him to Take on and one that worked perfectly his calm demeanor his expert knowledge and proper table etiquette and gun care oddly work Well together then there's the always-on point Michael Cain who automatically bumps the film's quality While Mark Strong gives a great supporting role and provides some light laughs along the way as Merlin The sequel brings back the whole crew Sands Cain and even though Princess Tildey had a very small and tight hole I mean role in the first film she gets an expanded one here The big new edition is the American chapter of the Kingsman known as the statesman Big names like Channing Tatum and Jeff Bridges make appearances here and there but are extremely Underutilized and the trailers definitely overplayed the roles that we're gonna have in this film The same can be said for Halle Berry who just doesn't have a lot of exciting things to do There's actually a big surprise celebrity in this that has more screen time than the aforementioned statesman Relatively unknown actor Pedro Pascal has the biggest role in the statesman department and does a fair amount of the action this time around Using his trusty electric rope he wrangles up the villains This is me wrangling speaking of Kingsman really delivers in the bad guy department in both flicks I really enjoyed Julianne Moore's drug peddling overly cheerful personality as poppy However, much like the other newcomers she's underutilized and goes down unceremoniously It took me like 14 takes to say all that just that sentence She also pales in comparison to the completely unexpected performance by Samuel L. Jackson as Valentine in the first Kingsman He has so many little tics from his hilarious lisp to his overreaction to blood He also rocks a mean hat guys got style and his henchwoman is just as cool with her swords for legs She's certainly better than the bionic commando in the sequel Sophia butella. I for sure butcher that last name proves time and time again No matter what ridiculous role they put her in she's still gonna look smoking hot bottom line These movies have really big casts, but the original Kingsman plays off the strengths better a Secret Sophisticated underground organization simply known as the Kingsman recruit only the brightest and the best of the bunch to join This elite cause which is to keep England in the rest of the world safe in order to join this team of well-dressed agents You need to go through a series of grueling tests and receive top marks and much like will Smith and men in black Eggsy is not your typical candidate He's brash doesn't play by the rules and has trouble following orders much like me on Wednesday night at bowling league Yet even with all his issues first Scala had sees a potential inside the overall world of Kingsman makes up for the somewhat tired trope as Eggsy is slowly introduced into the crazy gadgets unique locations and interesting people that populate his new world And things really kick into gear when Valentine unleashes his secret weapon a software that can emit a hidden frequency Triggering the most primitive and aggressive instincts in each human in range of the smart device It's a great premise and one that reminds me of something you'd see in an afternoon cartoon show the whole thing somehow manages to feel grounded I can't say the same for the sequel which hits levels of Looney Tunes The movie starts up well enough for the really fun card chase as exe is attacked by a rejected Kingsman applicant and fighting in A car is all the rage these days in film as we had one not too long ago in Deadpool and even more recently in atomic Blonde it's not much further on that the entire agency is targeted and obliterated by Poppy I was pretty disappointed Kingsman 2 already went this route for a couple reasons number one This is only the second movie in the series This happened way too quickly for my liking and number two was so easy to accomplish when you're talking about a title of the Golden Circle I expected some deep-seated underground society that had all these inner workings and Organizations at their disposal, but it's really none of that It's also a shame We had to leave England so early on as there was a charm there that made the franchise stand on its own from others Even more puzzling as we're introduced to the American version of the Kingsman known as the statesman who are supposed to have all this wealth And in far more reach than the Kingsman did yet their their group seems tiny It's like it's like five people anyway Exe and the company need the statesman's help to steal an antidote from Poppy to save a large population of infected drug users If you hadn't seen Kingsman and you want me to quickly summarize it I would say it's James Bond on speed you hadn't seen Kingsman 2 I would say it's spy kids on bath salts There are a lot of moments where things just get too bonkers for my liking Especially late in the game where we see a stadium-sized human zoo complete with people in individual cages stacked one on top of the other There's certainly nothing subtle about these two movies, which is both a gift and a curse I quite enjoyed seeing a church full of deplorables kill each other in savage fashion But a man being ground up and served in a burger was a bit too much for my taste Pun intended I'm glad the director doesn't pull his punches, but some of them never really landed for me And I'm not sure they needed to be thrown in the first place As the tech continues to grow there are more and more moments where I have no idea How was seen as filmed and that's why I love watching movies the level of talent on display is simply phenomenal I turn on my brother in the seat next to me and said how the hell are they doing this? This is amazing and he's sitting over there with this stupid trademark grin on his face just eating it all up This momentum carries Kingsman 2 for a good 30 minutes until eventually the steam starts to run out and the weak script really shows through The effects are big and bombastic but not necessarily interesting There are some very enjoyable action scenes here, but the magic is somehow missing I think it is partially because things are just so crazy this time around or it could have been the badly kept secret That first Scala had who has returned because they retconned his death from the first film Doesn't really do much for a long time This does lead to a few fun gags, but with so much ludicrous stuff already on display It felt unneeded the same can be said for a plot twist that amounts to very little Vaughn clearly knows the most popular scene from his first flick is the church massacre So he attempts to recreate the style a few times over especially in the last fight But the music's just nowhere near as good as free bird and that can be said throughout this picture The music's just not that good. I'm sure this was just coincidental But the song Take Me Home Country Road is featured heavily in both Kingsman 2 and Logan Lucky Which just released a few weeks earlier also contains Channing Tatum and is a much better film The first Kingsman is paced far better than its sequel mixing the action and smarter storyline in perfectly There is more polish in two, but I like the grittier bloodier look of number one Video game like action can only stretch a film so far before the audience starts searching for a point to it all Country road While I didn't hate Kingsman 2, I don't think it's bad by any means I do think it is a big step back from the first There's plenty of humor and stylized action in play, but it's missing the charm and frankly the class of the first Now I'd love to hear from you. Did you like the two CGI robot guard dogs? Or are you more in my line of thinking less is more Leave a comment vote for your winner and remember this is more than just reviews This is movie feuds I never understand villain logic either. This this woman poppy is a multi-billionaire. She's only got two guard dogs Why not a robot hawk or two?  You got the money Go through that catalog Thanks for watching the video feel free to check me out on social media platforms for credibility purposes Intern Sheila should be putting up some graphics for you to digest. I believe otherwise You'll be out on the curb like your mom Gotta move on. You can also check me out on patreon.com slash adam does movies Throw me a buck or two if you want. I run this channel alone. It's a it's almost a full-time job, honestly Thanks for your time Sheila the graphics now


Space weather this week has definitely calmed down compared to last week But we still have storming in store as we take a look at our earth-facing disc We haven't had as many big solar flares this week as we had last week But we do still have a lot of solar storms being launched In fact, we've had a lot of them near the east and the west limbs and at high latitudes None of these have been earth directed. They may graze earth a little bit, but most of them have been missing However, back on the 20th, if you take a look near that big chrono hole just to the west of it You can see this puff. Well that, believe it or not, is a stealthy solar storm It is earth-directed. However, it's been extremely hard to see this in Coronagraphs. In fact, when we take a look at the chronographs, you can see all these kind of partial halos everywhere But look inside this one halo right about five o'clock. You can see that outline there That is the earth-directed solar storm that is a halo. Sadly, with all of this mess and jumble, none of the agencies got it So we don't have a solar storm model. However, looking at the speed of this structure It looks like this thing's going to hit maybe late on the 23rd or into the 24th And it's gonna not be a big impact However, with all of these other solar storms that are being launched and that fast solar wind from this big Chronal hole that's going to be rotating in through the Earth strike zone We could start seeing storming around the 24th into the 25th and Possibly into the 26th with some of these other grazing solar storms that we've been seeing before things calm down So Aurora photographers, if you're at high-latitudes, you definitely could get a show. Aurora photographers at mid-latitudes Well, it's kind of a touch-and-go to see whether or not we could but things might dip into mid-latitudes for a little while Meanwhile, most eyes have been on regions 32 56 and 57 These are the regions that back on the Sun's far side launched that huge Almost Carrington class solar storm and had that big radiation storm and it got everybody so scared But don't worry about it. And now that these regions have rotated Earthside. We take a look They're hardly even big flare players anymore. So we can finally exhale. Don't worry about it. There is no kill shot Please don't say that anymore because everything is absolutely fine and we don't have to worry about things We are going to be watching for other regions that are going to rotate into earth view, but things right now are still pretty good For more details on this week's space weather including how these solar storms could affect you Come check out my channel or see me at space weather woman calm


Hello everyone and a very good afternoon. We are back with another episode of Entrepreneur India smart investing series, your weekly dose of personal finance that can help you make better decisions with your money. I'm Shukra Singh, Chief Correspondent at Entrepreneur India and your moderator for today's panel. So first up, let me tell you the topic that we'll discuss today, how to deal with EMI's and the balloon interest rate post moratorium. So since the moratorium period ended on 31 August, borrowers have been keenly waiting for the Supreme Court's verdict on whether they should get a relief from payment of interest and also interest on interest component on such role. So as we still wait for the decision, many of you must have your EMI as due as we approach the end of the month. So in today's episode, we tell you how you can tackle the accumulated interest if you have opted for moratorium and what are your repayment options if you're still cash trapped because you know your business is struggling or you're taking a salary cut. So, let me start by laying out the ground rules for our attendees. We request attendees to sit in an area with maximum internet signal to avoid me lag during the webinar. Please participate in the polls during the webinar. And so throughout the presentation, please submit content related questions using the Q&A box which is present right at the bottom of your screen. We will spend approximately 15 minutes at the end of the session to answer your questions. So please stay with us, keep your questions ready. For those of you who are attending through Facebook, please post them in the comments section on Facebook. To open the Q&A box, like I said, click on the Q&A icon at the bottom of your screen. Okay, so coming to speakers, we have with us today, Santosh Joseph. He's the founder and managing partner of Germinate Well Solutions. Santosh's role as the strategist involves creating personal, simple and feasible investment plans for his clients. With over 14 years of industry experience across banking, insurance and asset management. He's an alumnus of IIM Bangalore. He was the vice president sales at DSP BlackRock Investment. Welcome Santosh. Thank you very much for joining us today. Thank you, Shipra. Our second speaker is Harshad Chetanwala. He's the co-founder of My Wealth Grow. Harshad is a certified financial planner with more than 18 years of experience in financial services and having worked with companies like Quantum Asset Management Company, Securities and HDFC, Standard Life Insurance. In the past 18 years of his career, Harshad has worked in multiple roles focusing on personal finance, asset allocation, goal-based investing, mutual funds, equities, debt and insurance that help families to achieve the financial goals. Welcome, Harshad. Thank you very much for joining us today. Thanks for the invitation. Thank you. So I want to begin the conversation with those borrowers who opted for the moratorium and are now staring at a ballooned interest rate that needs to be repaid. So let me start with you, Santosh. What are the different ways in which a borrower can tackle the accumulated interest now that the moratorium is over and he needs to start repaying the interest? See, I'll answer your question with a little bit of a backdrop. Now, the government gave us first three months of moratorium and then later they extended this to three months of moratorium. Now, the treatment of interest for the banks is still a decision which is pending in the Supreme Court. Now, many people thought that this was a holiday on an EMI. Without realizing at the bank's end, this didn't mean a holiday. This meant giving you flexibility of saying, do not pay your EMI, but the interest will be accumulated and the interest accumulated will actually become a part of your principle. Therefore, your question of what happens right now, for example, assuming from the month of September or October, the EMI schedule is normalized, which means you continue to pay the EMI's that you are paying effective February or March 2020. Now, your EMI's will continue, but please remember your initial loan amount that you took would have decreased a certain extent depending on the tenure of the loan, how much you paid back. Also, would have increased to the extent of EMI's not paid, interest calculated on the EMI's not paid, so your actual outstanding loan will go up. Now, when the outstanding loan amount goes up, instead of a reducing balance, it becomes an increasing balance. One, second thing is many people have different methods, but the most common one used right now is what we call a fixed EMI. The term changes, but the EMI amount remains constant. Now, in a scenario like this, when the EMI amount remains constant, number of years will increase where you'll pay more EMI. So the burden will not be felt immediately. It will be felt, for example, if I had a 10-year home loan and I had finished five years and I have another five years left, because the six months break, it's going to be five years and six months from today. But it will not exactly be six months. It will possibly be nine months or 10 months or 12 months depending on one the interest rate, the product of loan that you avail. Because remember, the moratorium came from credit card to personal loan to car loans to including your home loans and every other loan possible that is an unoffer. Now, depending on the interest rate available and the method the bank was calculating, the number of EMI's are going to increase. I hope I made that clear for you. Yes, yes, completely. Harsh, what would you like to add here? I think I started with the right tone saying that explaining what the impact of the moratorium, because a lot of people thought that it's kind of a waiver, which it is not. Okay, I think the most important point here is that, you know, the people who have availed this moratorium, people who have longer duration of EMI is to be paid. Okay, the liability is much more longer. They are the most who have got impacted of availing this particular moratorium. People who had shorter tenure of pending, you know, liability, they were well, they were well aware and they did calculate it and they said it's better to take this opportunity to save for the future in terms of, you know, fire as a contingency. But it's going to hit most of the people who have long term liabilities, particularly the home loans and which are like beyond your, you know, 8, 9, 10 years. Okay, I think before, you know, before we discuss further on this, I think it's very important for us to, you know, admit that, you know, it's a very different kind of crisis. Okay, so there are a lot of people who have suffered because of this, people have suffered, you know, they have lost their job, they have lost their salary card, the businesses are taking a hit. You know, the first and the most important thing is the key here is that, you know, we have to tell each and every one that, you know, never leave the self-belief. That's where the key is. It is not because anyone invited COVID to come here. Okay, it is not because of the problem that people are facing is that they have initiated it. Okay, so it's beyond their control, so that self-belief is important because if in case they break down right now and looking at the liabilities, it will be very difficult to tackle that liability payment in future. And they are not alone. So many people who are suffering this and you can come out very easily. I think we will also see more roles of your banks and companies where people are working, they playing important role in supporting, you know, people who have suffered in terms of your, you know, who are unable to pay right now or who are suffering kind of job cut or job loss. Already we are seeing a lot of corporates chipping in to help their employees. So from all pockets, I think there is very important thing that, you know, I think we'll have to accommodate each other. Most importantly, I think when we and also when you look at the kind of people who have opted for moratorium, I believe there are, you know, you can bucket them in three different baskets. Okay, so you have one set of, you know, one set of people who genuinely were suffering from either a job loss or a pay cut. And they had to opt for moratorium at any cost. Then there are a set of people who opted for moratorium thinking that, you know, the things are good right now, but it can get difficult down the line. So as a contingency, they opted for these things. Okay, like moratorium and they said, we'll use it as a backup. And then there's a third segment of people which are very few, I believe they took this opportunity to evaluate what is better. EMI or I use this money to invest and they park and start backing the money into stock market because the markets were falling at that time. Okay, so we'll talk about the first two and not the third one. Okay, because third ones are well placed right now. Okay, so these two, you know, these two set of people are people who would like to have to look into it from a, you know, overall, where do they stand in terms of them? You know, what do you say in terms of their finance and then where do they stand in their liability? In fact, there's another thing that one could add where I feel that we missed out to address. I think Arshad also gave very interesting points there is that for every one EMI that you possibly took advantage of in the moratorium. Please remember the moratorium was a choice. Right, they gave you a blanket option and every bank reached out to you saying that do you want to avail of this facility or not. Now, when you availed of the facility and especially like what Arshad rightly said long term loans. It's very interesting to note and I don't want to make a generic comment and, you know, lead people in the wrong thought, but every one EMI that you take a moratorium for it's just not one EMI sometimes it could be more than one or two EMI is that you have to end up paying extra. Now, sadly, by the time people could digest this they're already one or two moratoriums that are taken one or two months. Now, we're having this conversation towards the end many people are only now beginning to realize I had the money I just thought like what Arshad said point one and point two no. One genuinely they couldn't pay to some people took a break saying that if the government is giving that option why not I take it. Let me just swing the axe kind of a scenario for them. I think the pinch is going to be a little felt because that's going to take long and therefore you notice why now the case is pending in the Supreme Court. Yes, of course. In fact, you know when I did a story on this, you know, when it was announced back in April. So, I mean, I did some calculations with the help of financial experts of course, and you know what what we derived that was that, you know, the longer the loan tenure, the more you'll be hit. So either EMI was if you if you like if you choose to keep your EMI is intact for say you have a loan pending for 15 years, then the number of additional EMI is that you pay will be increased by six, which is half a year. So you know what you rightly said sometimes that for every one month of moratorium taken the number of EMI that will increase will be substantial. Okay, so now, you know, now that some of us did the math some of us some of us did not but the thing is that those who took the model for it or EMI looking at accumulated interest. So I want to ask you, what are the options of repayment do they have to like can they make the if they have better cash flows right now. If they, you know, make the interest repayment at once or should they kind of increase the number of, you know, the loan tenure or should they increase the EMI, what are the different options and what are calling to you is is the most feasible option. See, currently, you want to go first. Okay, see currently there is a kind of a very fine line that one has to draw because of two things one across the board interest rates have dropped.  In many cases you have to make that occasional phone call long line on the telephone IVR and then get your rates to be reduced your respect or what product you have. So after the six months moratorium period is over if your cash flows get better your salary increases or your business develops better. It's a no brainer that we have to figure out how I can cover up that six months in the earliest possible. Now in some cases what you'll do you'll be making what we call a bullet payment saying that hey listen I had this money now I have can it be adjusted towards a lump sum. The second thing that you can do is rework on your EMI. Now this is a slightly lengthy process and then especially if it's for long term loans is not going to be easier, especially for home loans and long term other loans. But if it's for a three year loan to your loan now and your salary is better or your income is got better than before. See, we also have to keep in mind that many businesses suffered but there are also many people who have done a lot more business because of this because maybe they were into some level of service or business or activity, which COVID gave them a huge wind beneath the wings. So those people want to finish their home loans earlier but they don't have bullet payment. If I was paying a 10,000 rupees EMI maybe I can do make 12 and a half thousand every month. Now that doesn't reduce it just by outstanding amount by 12 and a half because it will drop the EMI significantly more than what you just mathematically calculate because it reduces the interested balance. The third part what you'll have to do is then start saving this money or accumulating the money elsewhere and you can match it towards what is outstanding towards the last few months left and once for all close the loan. So in a very simple sense, I've given you three options. One, you make a bullet payment to you talk to the bank and rework on your EMI schedule itself. Third, you save the money, keep it for a rainy day, continue your EMI and try and see towards the tail part of the loan close of the loan. Let's say when it's six months away, 12 months away or 15 months away with your savings that you've got after the post COVID recovery from an economic sense. What would you like to add here? What we're not talking here will come later is about the recast and the reworking of the home loan interest loan interest. So I think I'll just add a couple of things to what Santosh have shared. One is, of course, RBI is going to be much more accommodative down the line because they have understood that they have to tolerate this for some more time. So the interest rates will continue to be on the lower side. Of course, it all depends on the banks to pass it on to the customers. From a customer perspective, let's say I have availed all the benefit of moratorium and I would like to now decide what do I do. A lot will depend on where do I stand today, how are my job prospects or running prospects right now. That's going to be very crucial. One point is that, as Santosh said, what I will do is I will continue to save money until a certain extent and then I will go and repay. I would add just one more thing in this that probably what I would do here is that probably I'll start using this particular format of saving. And then on every six months, 10 months interval, if in case my loan tenure is much more longer, I'll go and make those part payments, which will help me to bring down my liability. And I'm particularly talking about the long-term liability here, which is predominant to your home loan and usually your home and vehicle loan. So that's something that one can avail. And then of course, we have to do match accordingly that what works better for the finance when it comes to either increasing the EMI or increasing the tenure. Because the tenure has already been increased as soon as I opted for moratoriums. Now the idea is that if in case I'm well placed, then I better take this opportunity to save and try to make part payment and close it as soon as possible. So we have a question from one of our viewers here. It's very, and it's kind of what you're just talking about. So I'll take it up. I have a home loan. This is Debarga. He's asking, I have a home loan EMI of 28,000. I took moratorium for three months and I'm still unable to pay. Should I break my fixed deposit to repay the loan some part of the loan? So I think the important thing is that, you know, if needed, if there is no other way to make the payment and you do not want to take this moratorium ahead, you are quite sure that, you know, down the line things will be normal. Because what happens is usually we have a tendency of saving money in our savings account or bank account as a contingency fund. This is as good as a contingency. Let's admit it. It's a contingency.  So if, so the way to go about is that, you know, of course, one has to look at what kind of contingency fund you have. And let's say my fixed deposit is my contingency fund right now. I'll try to take that money from it. And I will opt for, you know, paying it through my fixed deposit for at least maybe three, four months in the time I have that money. Because during that period, I will get an opportunity to build something once my, you know, my job or my work starts giving me some more cash flows. So I would opt for it if in case I don't intend to carry it further.  And you save it, right? You save it for these days. And any which way do you have long years to save money in future? We'll get those opportunities. Just to add to what I should say is right, whether money is in savings or FD, it's our contingency fund. But a very important point that we have to really understand is that there's a cost. See, there's a cost benefit for paying your EMI. And there's also a cost benefit for breaking your FD. But very clearly, if I were to be a non-finance person and give you an answer, your odds are in favor of you reducing a portion of your FD or savings to pay the loan, because definitely the benefits outweigh the benefit of just keeping the money in FD. Yes, I am not able to personally tell you how much money you have in FD and how much is your loan outstanding.  But the generic answer will be it makes sense to use some portion of your savings or bank account or bank FD money to ensure that you're on par with your EMI schedule, because the savings will definitely be more because of the interest rate for a home loan being definitely higher than a FD. Second, FD rates going south and interest rate being constant. So that's about FD. I want to follow up on this question. Does it make sense to take this fruit by encashing your mutual fund investments or say selling an asset, maybe a property or something like that. What about that? That's about FD what you just said. But what if we have to apply the same thing to mutual fund investments or some other asset? The answer is the same. I think I will not see what asset class it belongs to. So there are two ways to look at it.  And there are another set of people who will of course do all the kind of match to come up with, saying that what makes more sense if in case I keep this money invested into stock markets and take this liability further ahead. In all true sense, if in case you're asking and you can easily tell me as a conservative investor or a planner in that way, I would always put forward that you should get rid of liability as soon as possible. So of course, so the idea, ideally what you should do is let's say if in case I'm in the position where I am supposed to repay it, I will first touch base on six deposit savings accounts, non-equity assets to take care of my liabilities. Then if needed, I will touch my equity investments and that too. Let's say in case I have a long term investments in equity, I will touch base on that rather than touching on the investments that I have recently done because I give that particular investment some more time to grow. And the other investments that I've done in past have already grown and that's how I'll go. So I'll start with probably savings account, fixed deposits, then some debt investments. If in case I have then equities that too long invested in equities. And then if the worst come worst scenario, then the equities which I recently invested. Okay. So, okay, so what we discussed so far was about the accumulated interest on for those who have taken the moratorium. But let's just talk about regular borrowers here. So the moratorium is over. You know, EMI has resumed and there could be borrowers who still do not have a regular income to repay their regular EMI. Now, It's go first, not take on. But you know, not an income, but happy with that EMI. Choose to. We are not able to hear you. I'm sorry. I think I missed your. We couldn't hear the whole question. You're not able to. Am I audible now? No, we're better. Okay. Okay. So I'll just quickly repeat the question. So what I was saying was that, you know, to talk about borrowers who, you know, who still do not have a regular income, but they have to pay their EMI. And now, you know, now this month over there credit score is also going to get impacted if they don't pay their EMI because the moratorium is over. So what options do such borrowers have and this is I am just talking about the regular EMI is here. We're not talking about the accumulated interest. So what options do these borrowers have? Sometimes you would like to take it ahead. See, it is a little kind of a tough situation, because if you really are under this category of people who suffered because of COVID in terms of job loss, income loss, business loss, and you don't have to go. Then depending on the loan, then, you know, those repercussions will begin. For example, if it's an asset back loan, then you'll have to figure out whether you need the asset in the first place. If it is a business loan, then you'll have to figure out whether you can do refinancing for that business from one place to other, or if you can get an extended EMI holiday. Now, please also bear in mind that many of the SMEs and the SME loans that are given are between six months to 12 months EMI holiday feature products. You know, many of our retail urban city people may not know this, but then there are a lot of SME loans which begin with their six months to 12 months EMI holiday. Whatever has begun from March onwards. So the government is very clear from the RBI side and the government side that people even if they pay, it's better that they retain the money with them because they want to improve the systemic liquidity that is available with people and in the economy. In fact, you know, one of the reasons why they made moratorium en masse is that even if people had moratorium, if they didn't pay, they wanted them to have better liquidity so that they could spend. Otherwise, you know, with the lockdown coming to a grinding halt, there was no flow of cash at all, but for essential services. So I think one, one will have to reassess on what basis they took the loan and have to be straight away upfront about the practicality of the recovery of the business or income. Second, refinance. Third, figure out if you can get an EMI holiday for an extended period. It's not a moratorium. Moratorium was done at a mass level. EMI already could be specific to your case, specific to the loan product and also specific to the company because each company's got their own different policies. Some people have a loan holiday policy. Some people do not have a loan holiday policy. So these are a couple of things that we will have to check. All right. Do you want to add something here? I think I'll just touch base on the personal side. You know, Santosh has covered a lot on this thing on the personal loan side, which is, which also covers your home loan and the other personal loans. I think there is an option where people can opt for is, you know, take that waiver for two years when it comes to making payment for their EMI. But it's a very tricky thing.  And that, that is to case, that's also case to case basis because you have to walk into your bank. You have to explain them that, you know, you have suffered because of this COVID. Like it's in case I am not able to repay my EMI because I have lost my job or I am faced with salary cuts or my business is not doing great. Okay. So you have to present your case and then on that basis the banks will take it ahead because RBI has mandated the banks to take this particular process. So it can, you know, people can opt for it.  It is better to avoid these kind of restructuring until and unless, you know, there's no other choice available. And of course the point of what Santosh put forward. Okay. The significance of that asset when it comes to you right now. Okay. Okay. So we'll take some questions from, from our viewers. So Sidharth Agarwal, Sidharth, I requested you please ask a question to our panelists here. This is on Zoom. Please unmute so that we can hear you. Hello. Hello, am I audible? Yes, you're audible. Please ask a question. Yeah. So I just wanted to understand if you use the snowball effect. So would it help us, you know, cut down our liabilities? Is that a good method to look at? Hello. Hello. Sidharth, I got your question. What do you mean by snowball effect to cut down on liabilities? So, so the snowball effect basically says, you know, let's, let's look at the, the smaller liabilities first, pay out a sort of amount of them and then, you know, snowball the effect towards the larger amounts. Would that, would that make sense in the sort of a scenario to work on the liability side? I'll, I'll just take this step back and give you an answer. See, in a stress situation like this, when you look at all your loans, then therefore you'll come across a very primary difference between what is a liability in terms of, you know, borrowing versus leverage. Now, if your liability is to create an asset, for example, a home loan, right, or maybe even a car loan for example, where you have an asset which helps you which increases your value, which increases benefits for you. Then, you know, you are going to give priority to it.  That's when the things become a little difficult then because you'll have to, you're forced to prioritize. What is a good loan? What is a bad loan? Therefore, when you go through stressful situations, it's better to close or literally have zero bad loans. What do I mean by bad loans where you are struggling to pay, but they do not have an intrinsic value of an asset getting formed. On the other hand, the EMI, you know, in a lot of cases is a good loan because especially if you didn't have a piece of real estate and you need a house to stay for yourself and you bought the house and you're paying EMI, it's better that even during a moratorium period if you can to pay the EMI, even after the moratorium, prioritize all your other expenses, cut down on expenses, cut down on small loans like a personal loan or a credit card outstanding. Even reduce a little bit of your FD and savings account to ensure that your primary effect is on your home loan to be paid back. Therefore, to such an extent, are you, is this a great opportunity for someone to reassess all their loans and be very careful about what kind of borrowings they have? Yes, it is a great opportunity to reassess because this is a nice wake up call for people who are very reckless borrowers. Thank you. I think that answers my question. It was a very comprehensive answer in that case. Thank you so much. Great. Thank you for that. So we have a similar question. This was posted on Facebook by Ankita. I took moratorium for personal and education loan. Which should I pay first? I am 26 years old and I lost my job. It is very similar to what Siddharth asked but here we are talking about personal and education loan. Siddharth, you want to do that? It is a very difficult call in that term because you have your education loan and your personal loan. These are the two things. I think I would ideally go ahead and see where the commitment is more. Let's say that I have higher the outstanding, higher the possibility of that loan getting extended further and the repercussion on the interest payment. I would evaluate from that perspective where there is a lesser outstanding because I have probably paid the principal for a much higher amount compared to the other loan. Wherever the principal is paid in a more percentage, I would rather like to avail the benefit for that and make the EMI payment for the loans. Where my principal outstanding in terms of percentage of what outstanding today it is compared to what I took is higher. One more question. So Girilal is asking, I did not take moratorium and paid EMI and SIPs regularly but I am unable to do that anymore as I am taking 40% salary cut. Should I pay my EMI or SIP? The answer is very simple. You should be doing both and cut down your expenses if it is possible for some time. But in all seriousness, if that 40% is going to be difficult, I think what you should do is ensure that the EMI's are being fully paid and readjust your SIPs and when your salary increases, double up on your SIPs. Because EMI has got a lot of legal and statutory and also credit risk on your what we call credit score. So I think priority is a liability and then savings which will lead to wealth creation or something. So adjust for first clearing out loans, remaining money to save. So to wrap up the discussion, I want to ask one last question. Even though it looks unlikely, but if the moratorium is extended, should borrowers take it further? What do you both have to say on that? Even take turns to answer that? Especially small businesses. We have a lot of queries from small businesses that if it is extended, should they take the moratorium further? Harsh, you should go. I think for businesses, it's quite clear that you have to identify where the, it's all need based right now. If I have to run my show and I'm pretty sure about the prospects of my business, which I know that probably it's a short time where I've taken the hit when it comes to the business aspect of my, from the earnings perspective, then I would certainly like to take it ahead and I'll take that moratorium if in case it's extended, which we don't know right now. It looks unlikely, but we don't know right now. So I will probably go ahead and take that moratorium if in case I'm very sure about my business prospects on the line. Having said that, it's going to be a very rough two to three quarters for India coming down the line. So it's not, it's not an easy call to make. But also a lot of conviction about your own business, conviction about how do you take things ahead are very crucial here. I am pretty sure about, you know, that the long-term prospects in recovery could be much more faster. We all keep on talking about the vaccine and which is still not available or still not in visibility. But if I'm pretty sure about my business prospects, I know that how things are going to be evolved in case as soon as things start turning well, my recovery would be much more faster. Then I would certainly like to opt for it because it's coming from pure conviction and it has some sense behind why I'm taking this particular moratorium. Unlike, you know, last time where, you know, it's like, one is of course, people were afraid and a lot of chaos around that and during that particular time. But this time it's quite clear how it's going to work. Despite of things opening up, we are seeing that the consumption is still low. All these things continue to be a challenge. So we'll evaluate, I will evaluate the things, but at the same time understand the prospects of my business are much more better. I will probably opt for it. I cannot kill something which I've built for years. So I will opt for it. All right. Okay, so we have one last question. Jatin, please unmute so that you can ask your question to the two experts here. Yes, your audible Jatin, please go ahead. Yeah, I just wanted to ask now if I have a salary cut. So I have two options. So I have my EMI is going on and SAP is going on. So I was just contemplating, does it make sense to increase my loan tenure so as to reduce my EMI amount and continue with both EMI and SIPs? Or should I stop the SIPs and continue to pay higher EMI right now? I hope I was clear with my question. Yeah, yeah. Arshad, you want to do this or not? I think Santosh just answered a while back. The priority should be, Jatin, the priority should be to repay your liabilities. Okay. Because you're facing a job cut. Okay. Sorry, a pay cut. Okay. I think the idea should be to go ahead and off your EMI. Okay. Because you'll have, you'll certainly you'll get time in future to build those investments in SIPs. If I'm in your place, I would certainly go ahead and make the payment for my EMI. The question is, I am not talking about deferring my EMI. What I'm asking is, I can increase the tenure of the loan. So I have an outstanding loan tenure of eight years and I am paying a 50,000 of EMI right? Now if I increase the tenure to again 20 years, that is an option available with my bank. So my EMI is drastically come down to around 20, 25,000 rupees. So I have a surplus of 28,000 wherein I can both support the SIPs also and continue with the EMI also. So should I do that or the other part is I continue with 50,000 of EMI and stop my 20, 25,000 of SIPs?  If in case you're in a position to make the complete payment of 50,000, you're comfortably paying that 50,000 rupees EMI right now. So I continue with that rather than increasing your EMI tenure. Basically you'll be extending your liability further. Jatin, I'd like to add one thing. Very clear, I'm 100% in line with Harshad. You have to clear out your EMI's. Don't try and change the schedule. There are two things that you have to keep in mind that paying the EMI is a, paying the, what is it called, EMI is a definite cost that you'll be saving. Whereas in your mutual fund, there is a probable return that you're expecting. Number one, number two, if you continue to pay a 50,000 and I know almost every bank is reducing the interest rate right now. If you're continuing to pay what you pay and you rework on your interest rate, your 10 years, what you told me could even be seven years or eight years. Now, let me tell you there could not be no better example than my own because I did the same thing for my personal home loan. Where I did that, I was able to rework my home loan for a couple of years lesser, keeping the same EMI. And I didn't avail the moratorium. God's grace, I was able to stick to my plan in these difficult times for my EMI's. So there is clearly numbers add up to the point that you should continue to clear your EMI as early as possible. Maybe adjust your SIP's and later things get better, increase your SIP's. Now, I've already reduced the tenure to the lowest. So I was paying 830, now it is around 725 is what I end up paying. The only attraction that I was actually looking at was my interest. You know, amount year on year was around 1.3 lakh rupees, 1.4 lakh rupees right now. And I was just thinking of, you know, if I increase the tenure of the loan, my interest would work out to be around 2 lakh, which also gives me the tax benefit, the loss from house income. So I was just contemplating on that idea. Sir, you are actually bringing a very other important financial tactic called liquidity management. See, now that is a paramount thing. In many of us are paying the price in this lockdown because we didn't give it to liquidity. What we did was we were so tight and so well planned, we never had a cushion called liquidity which we normally also call margin of safety. What you are now referring to is saying, Santosh, I have the ability to manage my pawns in such a way. I'm able to manage my EMI, I'm able to manage a lower interest rate. I'm also able to slightly tweak the tenure, but I'll also have liquidity and for 2 lakh rupees, I'll also offset the taxes. So brilliant thing if you can be so meticulously planned. We also have to remember one thing that, you know, many of these decisions are so deeply driven with a discipline that what we want to do. See, many people had the ability to pay the EMI, but they didn't take it because they thought it was a holiday given by RBI till they got a good shock. Similarly, if you can take advantage of extending the home loan, getting the benefit of liquidity and the tax benefit and ensuring that you have more money in your hand, I think you should go ahead and do that. Just like to add one more thing. You can optimize it for sure, but never plan your investments based on the tax rules. It can change at any time. And taxation is something where you have to look at it from a very different perspective. Just to add what Santosh has already covered. Absolutely not. So I was, you know, the idea of tax thinking was because, you know, even if you add that tax, your effective home loan cost, so I am paying 730 and if I end up saying 30% tax on the interest amount, my cost for that loan comes down to around 5.5-6%.  So obviously there is a risk which is attached to it, but my concern was it was taking that, you know, risk there. All right. Okay, so that brings us to the end of our session. I hope our viewers got some, you know, insights and takeaways from today's discussion. Thank you very much to both of you again for joining us today and, you know, for this really interesting conversation today we had. Thank you viewers for attending our panel. Have a good day, everybody. Stay safe.


Hello everyone in this video I'll be talking about how we can optimize our experience when using WebEx. So I do advise you to download the app version so you can just go to Cisco WebEx and then download the desktop version or the mobile version because using the app is easier. So if you have been given the meeting code, just key in the meeting code here and then join. If password is needed you will be asked to give the password, if not then just let it be. Now when you are about to join using the desktop app, you have to make sure that you are using computer for audio. Sometimes we accidentally tick don't connect to audio or call in. So that's why sometimes when you join, there's no audio, so you need to make sure that this is selected. If you want to check the settings, just click settings and then you will be able to check whether you're using the which microphone and whether you are using which speaker. So you can test it out first before you enter the room. So it's advisable for you to check this before you joined any meeting or virtual class earlier. If you would like to turn on your video just turn it on. So once you join the WebEx meeting, this is your interface as the person to join. You will see the host here, in this case I mean you call this is another account that I have. So when you see the host means this is the person hosting the meeting. So let's say halfway through, you realize that you can't hear anything. You just click the triple dot and then click audio connection. However, if you just disconnect the audio first, okay, and then plus connect. So you can start test first if you want to skip, then you will try to reconnect audio. You will see that the audio connect is connected now. So this is one way to troubleshoot. You would like to check the connection status, just go to health checker, health checker here, health checker, and then audio and video statistics. So it will kind of tell you the consumption of the bandwidth you can see here because I'm not using video, the bandwidth is quite low. So from here you kind of know whether you are consuming a lot of data or not. I think the moment I turn on my video, this one will go up. You can also check the latency of your audio and also video. Check the latency first if it's too high and then you might want to do the reconnection just now or get permission from the host to join the meeting again. Of course, it also depends on your connection. But looking at this bandwidth, for example, if you're using audio, the bandwidth is very low. So you should not have any problem as long as you do not turn on your video. So these are the things that you can do to check the quality of your Webex connection. So that's all. Don't forget to subscribe and like this video.


Oh, yeah, I got 12 highlighters from the drugstore that we are going to rank right now Hi friends, we're going to be trying out 12 different formulas from the drugstore of highlighters And I'm going to be telling you exactly why I love these exactly why it's down lower in the ranking And then what the number one is and thanks so much for being with me for this video today Let's get into the ranking right now. All right starting out with the Maybelline master chrome formula I have the rose gold and and I can't remember what this one is called I think this is the one that came out with niki tutorials when they were very first bringing these out These are really pretty master chrome. They're beautiful highlighters. They are super intense And the reason that they did make it lower on my count isn't because of the formula It's just that you have to go really super light with those but wow look at the beam on those They're so pretty you can go really light with them to share them out so that you just have a really light glow on your cheeks But you can build them up So if you want to wear these on your eyes, you can definitely do that And I have these two colors because they suit my coloring the best But if you have other colors that you like definitely go for it I think they're beautiful the next one up is from wet and wild This is their highlighting powder. This color is blossom glow. It is a very icy pink color I like the formula on this one as well. Once again, we're talking about a super high beam metallic And it is beautiful. It's really pretty on the skin But you can get carried away with it That's why i'm ranking it a little bit lower because there are ones that just go on Beautifully with no fuss about them even though I love these it is just a little bit harder To regulate what you get out of this you get just that glow automatically Which I do like but I know that some people don't really like that one That was number 11 and number 10 is the elf ones and these are there I don't know if whether these are baked or not, but I hope that you guys can see Can you see that pattern across there? What a high end look for a highlighter? I do think that these are eight dollars, you know, elf usually sticks around six, but I Around six dollars, but I do think that these are at the eight dollar price point Again, this is a pretty strong highlight. However, we're getting more into my wheelhouse here This one is just it's a little bit more stiff when you stick your finger down here into the pan But you get a lot up just like you can see there and it has this little tiny bit of a champagne property But that is definitely where we're going with this This is more of a glow instead of the high beam that you really have to work with whereas this one You could just dust it as much as you want and you're not going to look too much like a glowing disc all Disco ball or maybe like you have an oil slick on your face But this is a beautiful highlighter as well in it number nine is from juvia's place And I need my glasses to see what this one is this one is the tribe highlighter volume three by juvia's place This is a gorgeous color. This formula is quite Soft again, it's right here on my finger I need to get one of my wipes out and get those off But this one again, it's a little bit lower because of it being just so beaming You could definitely wear this one across your eyes wear it on your inner corner It would be absolutely gorgeous to brighten up that inner corner and as a matter of fact Let's just try that on the inner corner So I'm just taking a little pencil brush right here and I'm just going to brighten up that inner corner ever so slightly Oh my goodness. Look at that. Isn't that amazing?  But it's so pretty on the eyes and then I'll just kind of run this across here So I can tie the two looks together a little bit So beautiful. I love that for an eye shadow But it is a pretty highlighter as well coming in at number six is the melani duo And this one is in 110 supercharged one side is supposed to be Cream and then the other side is supposed to be The powder although, you know, I don't feel like this one is a super creamy formula It just doesn't feel hyper creamy to me at all But in a lot of ways, that's really good You get just the straight beam of light without having to show up any texture anything And then you're supposed to take the powder product and either put it over top of it or use it in a multi-dimensional way So you can see the two products there the one is over here That is more along the lines of the pinky color and then the cream So it does make a beautiful multi-dimension look if you're going to layer it And put one down below the other one that would be absolutely beautiful on the skin as well So let me really quickly demonstrate what i'm talking about you can just go across the skin here This one is the cream one that i'm putting across the skin And then I turn the brush over and i'm going to get The powder one and i'm gonna that I got way too much sorry about that And i'm going to just dust the powder across so you do get a multi-dimensional look I'm going to save my other cheek for another one that I have so you can see You do get that multi-dimensional look. I do like this one very much in it number seven is the pixie beauty These are the quads and these were sent to me by pixie. I think these are so gorgeous You do have every product in here that you need you have the bronzer the blush and the highlighters These highlighters are so pretty. Oh my word They are that formula that I love about it just being the really soft highlight Without having chunks of glitter in them. They're just glow across your skin and I love these palettes I think both of them are just incredibly pretty And they just hit the mark for me so well and that is all right down there I'm gonna have to switch to the other arm here. They're just very very pretty products And they don't show up any texture and this one right here is called honey nectar So that has the brighter pink highlight in it And then the other one that is a little bit more cool toned that has a super bright Pink blush in there and then it has the pink and the almost champagne gold color in there pretty pretty that one's called sugar blossom So these are beautiful as well. I love their highlighters that they did in at number six I think I'm at number six. Yes in at number six is from koki and this is the soft glow highlighter This color is called heavenly. Again, this is kind of a champagne gold color. This is really beautiful But more along the lines of that cream product It is a little bit more gold than what I normally would like but man this formula is Incredibly beautiful. I think that they have three different colors of this one. It's just so gorgeous The packaging on this looked so luxe when I got it and I love the way they packaged it But that product in there again, it has that creamy Consistency to where I just think it's just is really beautiful across mature skin So if you can get your hands on one of the koki highlighter soft glow highlighters I think that they did a really great job on those in at number five is this highlighter from flower beauty This is the original one I do think they have a little bit of a darker one now But these three colors are so good for being able to go across any skin tone You can swirl all three of these together or you can take each individual one and they're so pretty these again Show up just that glow to them. They're definitely not a highlighter that you're going to have to fuss with They're so easy to work with and they're just a beautiful candlelight glow You can get these built up to be the metallic beam if you want that But this is just a really subtle highlight and that's why I love them my friend Andrea Matalano, this is her favorite one at the drug store and she is absolutely right. They're gorgeous Number four is the essence pure nude and this one is the regular highlighter and this one is their space lighter Space lighter. I actually have on my eyelids today as part of my eye look It has this quality of being like a multi chrome It has pink and purple and the icy color in it and it is absolutely beautiful I love that color and then if you haven't tried the nude This is one that went viral and there's a reason this is like your bridal candlelight glow And you cannot go wrong with this highlighter. I seriously can't Imagine how they can do this highlighter for five dollars. It might be six dollars now, but I don't think so It's just one of those ones that if you are somebody that is a mature woman And you feel like there is no way I can wear a highlighter Give this one a try because again, you're going to just get the glow You're not getting a reflect of a glitter or even a powdery look to your skin It's just going to give you a very soft candlelight glow. I love that one Now the number three is one that has been in my highlighter lists forever This is from wet and wild and these are the two reflect palettes They're called palettes because it's such a big highlighter This is a baked highlighter that has the color swirled in it This one is called. I'll have a cosmo and when I first got this one It was really hard for me to get across that initial baked film that they have But once you get down underneath that it is cabal. It's so pretty It is just a gorgeous highlighter and it's a soft pinky color And I have had the boozy brunch one, which is a very gold one But this one just does my complexion perfectly Again, this is one that you can't really go wrong with because you're just putting on glow I mean you could build it up to where it was one that you know You could see from space if you wanted to but there's really no reason to when all you need is just that little bit of glow If you love highlights go for it build it up as high as you want to But this is just really pretty and I will try this one on for you because this is one of my favorites as well And oh my word. Oh my goodness. It just has such a pretty glow So this one was the milani one and then this one is the wet and wild And at number two is from sydney grace and I need my glasses to see what color this one is This one is pink lightning. This is a loose highlighter But this is an incredibly gorgeous highlighter. I love her pressed highlighters as well But this one in the loose formula is so pretty you can overdo this one really easy This is one that you just have to be really careful with It's going to be one that oh my goodness. Look at the glow on that It's number two for a reason because I couldn't pick between number two and number one But I put this at number two because it's a little bit harder to get sydney grace seems to always be sold out But that just looks so pretty on the skin and you can see the glow for that If you're a mature woman and you feel like, you know, all highlighters really show up texture This might not be for you, but I wear it all the time and I love the glow that it gives So this is one that I can highly recommend. It's a beautiful color I think if you wanted any color out of her highlighters You would just find one that you just fell in love with beautiful beautiful product. I love her products anyway But that highlighter is really something special as well And I put it at the drugstore because there's a lot of drugstore ones that kind of are around that price point But my number one had to be the super shock formula from color pop I love these what this one is in if flexitarian and flexitarian is that champagne Light light light champagne gold and then smoke and whistles is one that is more of a pink icy color They're both so pretty in their own right, but let me just swatch them for you The first one is going to be that flexitarian. Oh my goodness. What's beautiful about these is that Yes, you're going to be able to get a beautiful beaming highlight out of there But you don't have to you can really just put them on super lightly if you want to and then the next one right here Is smoke and whistles and the same goes for both of these Actually, I think smoke and whistles has a little bit more of a subtle quality to it But it does have that pink to it. So both of those they're so pretty But smoke and whistles comes off just a little bit lighter than flexitarian flexitarian is beautiful But it does have a lot more glow to it than um smoke and whistles does I love being able to go to the drugstore and have finds like this where it rivals high end They're beautiful. They're glowy and they look so pretty on the skin So I hope that you're all doing really well Do you have a drugstore highlighter that you can't put down that you're always reaching for over and over again Let me know that in the comment section below. I would love to hear that from you Thanks for spending a bit of your day with me. So stay happy.  I love you a bunch. Bye. Bye