In today's video, we're opening a first-edition 36-pack Labyrinth of Nightmare booster box. What is up, guys? We are here with a first-edition Labyrinth of Nightmare 36-pack booster box. We're here live, but if you are not here live, we are making a video now. So 36-pack first edition. This is a retail box. We'll be getting magic cylinder if we get a secret rare. There's a lot of amazing cards in here. We're open. We can pull something awesome. Let's see what we can do. Here we go. Let's crack this thing up. I mean, this is a pretty rare box, so enjoy it while it lasts, which is about five more seconds. There it goes. Oh, Labyrinth of Nightmare has been chopped open. 36-packs. We've got to shuffle these up. It's going to be, it's kind of harder to shuffle up 36-pack boxes because there's so many packs. Can't really hold on to all of them. Let me just do a little, a little bit of this and then grab a couple of these and just shuffle them on up. Put these over here. Let's get started. Our first person in the break is Dylan T with three packs. I actually need to go a little lower based on my camera. I'm personally looking for dark necrophere. I think mass beast would be pretty amazing. Obviously last worry from another planet, magic cylinder is a favorite of mine from back in the day. So love to pull that first edition. Here we go. Let's see what we can get guys. Let's see what we can do. One, two, three, four. There should be anywhere from nine to 10 foils in here on a normal 36-pack box, but we'll see if this is a normal one. Scroll of enrichment. We have the Rock Spirit, Flame Dancer, Fire Sorceress, Saint John, Empress Mantis, Spirit of Flames. And we have a lightning blade. And look how off-center that is. And a Nuvia, the Wicked. I feel like this is the one we always get. Nuvia is quite Wicked indeed. One down. We got two to go. If you guys are enjoying the video, don't forget to like the video, be subscribed, turn on notifications to enter the giveaway for these three Labyrinth of Nightmare cards. Also leave a comment down below. What's your favorite card in Labyrinth of Nightmare? And your favorite pull from this video? Dark Necrophere would be pretty amazing. So if we could get that, I think everybody would be happy. Let's see. A lava golem is Ferranic Guardian. So that's, you'll actually see a Ferranic Guardian opening tomorrow because of the 11 days of Yu-Gi-Oh. Let's keep an eye out for that. We have Lady Panther. Don't forget, if you guys have missed the other 11 days of Yu-Gi-Oh, we have Invasion of Chaos. Already come out MFC today with a lot of good openings. Grand Tiki Elder. We have Cure Mermaid, Kibyo Drakorn, Shining Abyss, Mario Kutsai, Portrait Secret, Dark Door, and the Return of the DOOMED. Okay, Dylan T. He's over two at the moment. We got one more. Send him some luck, guys. Send him some luck. Third pack magic. We have Soul of Purity and Light, Deal of Phantom, Flying Fish, Crimson Sentry, Grave Robbers Retribution, Gadget Soldier, Fairy Guardian, Offerings to the DOOMED, and we have a United We Stand Ultra Rare. Centering is not amazing on it, but that is a pretty nice one. A pretty classic one. I know old school people love United We Stand because, you know, back in the day on the playground, you're always using this card.   So boom, that is a great hit, Dylan. Congrats on the first foil of the box. That's pretty nice. Next up, Christos M. Two packs. Here we go. All right, Christos M. We have Lightning Conger. We have Dancing Fairy, Worm Drake. There's the Worm Drake. Amazon Archer, Spheres Lady. Fusion Gate. That's a nice common. Shining Abyss. Mario Kutai. And we have a Amphibian and Amphibian Beast. When you say when you have A and then it has a Val at the beginning, you then have to say Ann. All right, Christos. Second pack. Let's see what we can get on the second pack magic. Hit that like button for luck, guys. Second pack of the 36. Well, fifth total, fifth of the 36. Second for Christos. We have Biomage, Aqua Spirit, Spirit Elimination, Skull Lair, Garuda, the Wind Spirit, Emperor Soledad, Gross Ghost of Fled Dreams, Lady of Salem of Flames, and Spirit of the Breeze. All right, all right, all right. Didn't work out so well. All right. Hector R up next with one pack. Here we go. Revival Jam would be a great super. That'd be pretty amazing. We would love that. Send the luck, guys. Revival Jammy. Well, a big jam. One, two, three, four. Here we go. Aqua Spirit, Spirit Elimination, Skull Lair, Steric Fairy, Melkid, the Four-Faced Beast, Bohnheimer, the Unfriendly Amazon, Swordsman of Land Style, and Tornado Bird. The Bird of Tornado. Okay, Hector. Thank you for the one pack magic attempt. Not this time, but hopefully next time you will get lucky. Six packs in. We only have one foil. We got another one pack magic coming up. Race P, one pack. Here we go. First edition, Labyrinth of Nightmare. Okay, Race P, Steric Fairy. We have Cyclone Laser, Headless Knight, Lady Panther, Drugonic Attack, Spirits Lady, Tornado Wall, Shining Abyss, and we have a Mask of Dispel, our second foil of the box. That is a super rare. Centering is pretty good on that for the most part. Might be a little bit pushed up, but overall, not bad. These mask cards are pretty, pretty nice. Okay, one pack magic for Race P. Congrats on the super rare. So seven packs in. We got two foils now. Two foils down. More one pack magic coming up, guys. Aiden in with one pack. Here we go. One, two, three, four. Gotta believe we have an Aqua Spirit. Spirit Elimination, Skull Lair, Steric Fairy, Melkin, the Four-Face Beast, Zambaira, the Dark. That's a pretty cool card actually in some old school formats. Boneheimer, Unfriendly Amazon, and Amphibian Beast. No one pack magic for Aiden. Aiden, thank you for being here. Ashtoness, another one pack magic. There are quite a few one pack magics in this one. When you have 36 packs, more opportunity for that. We have Cure Mermaid, Echibbio, Dracomore, Humanoid Slime. There's the other half. We need the Worm Drake. What is his name? Humanoid Worm Drake. Earl of Demise, the Jailmanly Creature, Saint Jailin, Imprismant, Spirit of Flamis. We have Blade, and we have Spirit of the Breeze. Okay. Okay, two for nine. So yeah, we're a little bit under pace for getting nine to ten foils. A little bit under. We're on pace for eight right now. That means we gotta catch up. All right, next one we have Dev and G with two packs. One of these boxes, 36 pack. They did 36 pack boxes for Magic Ruler to Dark Crisis for a while. Not really sure why they randomly did it. They're only for retail, but they already had retail before that in 24 pack boxes. So not really sure why they went to 36, but they did. Okay, Worm Drake, Amazon Archer. Let's go. Supply, Blind Destruction, Swords of the Landstar, Bade Dahl, Forgiving Maiden, Eventual Bogg Spirit. Oh, our first spirit message. The spirit message is in. Okay, just the end. Not the L. That's good. Thank goodness. Could be a lot worse. Dev and G's up next. First edition. Let's see what the next one will be. One, two, three, four. Let's get something. We have Amazon Archer, Blind Destruction. Send us some luck guys in the chat and in the comments. We have Scroll of the Witchman, Rock Spirit, Portrait Secret, Dark Door, Dream Sprite, Humanoid Worm Drake. There it is. We got one and it's Worm Drake and Humanoid Slime and Gilosaurus, the special summoning monster, special summons itself. Okay, no foils there. So we're now two for 11. We were pretty quick. It was like two for six or something. And now we are on a hot, not hot, cold street, very cold, not hot at all. Okay. Next up, Nick P, Two Pack Magic. Is he going to get something big? Let's do this guys. Yeah, it's like a six dollar common, I think. The Humanoid Worm Drake. Last time I checked. One, two, three, four. It's been a little bit, but it's usually worth a little bit. Cyclone Laser. Come on, Nick. Headless Knight, Lady Panther, Grand Tiki Elder. Swordsman of the Landstar, classic. We have bait doll, forgiving maiden, Saint Joan and the destruction punch. That's us getting punched in the face right now. Not pulling any foils. Where's that magic cylinder? Let's get better luck on this next one. Nick P, good luck, sir. One, two, three, four. Soul of purity and light, deal of phantom. Very similar cards that I feel like maybe just a little bit less of a body here. We have fire flying, not flying, flying me fish. We have century. I can't speak. Emperor's holiday, gross ghost, flood dreams, Lady of Salem of Flames and tornado bird. What is that? Two for 13? Wow. This is definitely slowing down big time. 23 packs left. We've got seven to eight foils left in there. So it's looking almost like one every three packs. There's like Pokemon ratios. Next up, Mark F's giving him a chance at one pack magic. Is he going to get something? One pack magic time, first edition Lambert the nightmare. Here we go. One, two, three, four. We have headless night, Lady Panther, Grand Tiki elder, cure mermaid, bait doll, forgiving maiden, mask of weakness, Saint Joan and spirit message. A we are assembling the spirit message we have in and we have a so far Mark F. You did not receive the L. Fortunately, that would have been really scary, but did get a spirit message aim. The next pack is and a LES with one pack and a yelling. I feel like I'm not saying that right. No L's please. No L's in the chat guys. One, two, four. No L's in the chat. Send us some luck. Grand Tiki elder, cure mermaid. Come on. Give us an ultra. Give us a secret. Kibyo drag more. We got early demise or I'd take a revival jam. It'd be cool. Mario cutie, portrait secret, dark door, dream sprite and Jaugen the spiritualist. All right. He's spiritual, but that's not helping us right now. Apparently we are two for 15 or 14. Which one? Maybe 15, two for 15. Okay. And guess what? We got next. We got another one pack magic. Stay with me. One pack magic. All right. First dead. We are on a cold streak. We have not pulled foil and like what? Like eight, nine packs. One, two, three, four. Let's do this. Warm Drake, Amazon Archer, blood destruction, scroll of bewitchment. So it's been a blank star bait all forgiving maiden, St. Joan. Oh, and a kai ku, the ghost destroyer. That's a nice super shipped a little bit up on the centering, but that is a really nice card. We will take that certainly first edition kai ku. Beautiful. All right. First foil in quite a while. So we're definitely going to take a kai ku. That is a good way to break the streak. One pack magic for Fabian. Congrats. That is incredible. Almost in the end of the first half, guys.  We have Glen M three packs. I think there's only two left on this side. So two on this side. This is pack 16, seven. No, 17, 18, 19 year. Let's go. First edition kai ku is a classic card. He's epic. He's awesome. Hit that like button. We're almost at 200. Send us some luck, guys. Three pack magic. One, two, three, four. Been a lot of one packs today. Let's see if the three pack can do well. We started with the three pack. Got an ultra. Let's see if he can do it as well. Supply, blind destruction, scroll of bewitchment, rock spirit, the portrait secret. A lot of these start with the portrait secret, the rock spirit, the dark door, drives, drives, right? Drive, drive spree. Okay. We have retribution and not that spirit message. Please. No, not like this. Okay. It's just a first pack. We can recover from this. I have to drink some water. I got a rehydrate.  We got what? NAL. We got that. We got NAL. We just need, we just need to iron the F. Oh, L's in the chat. Glen him. Second pack. We got to move on. We got to move on, guys. Before we remember that, that's just too painful. One, two, three, four. Glen, we have must redeem you. Cure Mermaid. Kibia. Earl of Demise, the gentlemanly creature. Soul of purity and light. Empress Mantis. Spirit of Phlamas. Lighting Blade. Jambreeding Machine. Third pack for Glen. We're onto the second half, so we pulled three foils and 18 packs in the first half. Should be getting six to seven more here if it's an average box, which hopefully it's that or better. One, two, three, four. The gentlemanly creature has returned. Soul of purity and light. Deal of phantom. Flying fish. Earthbound spirit. Gravekeeper's retribution. Gadget soldier. Fairy Guardian. And the L and the I. We are officially just waiting on the F now. Next up. Okay. We're getting onto some big ones. Anthony R with four packs. Four pack magic. We've only pulled three foils and 19 packs, so let's get something. One, two, three, four. Here we go. Amazon Archer. Supply. Let's go, Anthony. Blind destruction. Scroll bewitchment. Mirkyo Kuta. Portrait secret. The art door. Dreams fright. And we have a spiritualism. Three left. Three left. Lambda nightmare. First edition, guys. Anthony R. Here we go. Deal of phantom. Come on. Flying fish. Crimson sentry. Collected power. You were the chosen one. The Emperor's holiday. Gross coast of flood, flood dreams, I can't say it. Lady of Santa Flames. Read the following. Aka Dark World. Marie. Two packs. Come on. One, two, three, four. The chosen one was found. Flamed dancer. Have we seen that yet? With his fiery rope. Fire sorcerer. We get Curse of the Masked Beast. Biomage. A retribution. Gadget soldier. Fairy Guardian. Let's get a foil. Overnure of the doomed. Return of the doomed. We are now 20 packs. Wait, no. 22 packs in. We have three foils. Wow. This ending is going to be crazy. Anthony. Last pack magic. Here we go. Need something big. We have one ultra. We have two supers so far. One, two, three, four. Come on, Anthony. Miracle dig. Lighting conger. Dancing fairy. Worm drake. Drionic attack. We have a lady. Shining abyss. Mario Kutsai. And we have a mask of brutality. And speaking of brutal, that was brutal. And that is this box so far. It has not been easy to pull foils at the moment. We are three for 23. Three for 23. We have 13 packs left. We have like almost a 50% chance to pull a foil every pack the rest of the way if it's normal. And I'm hoping it is. Brady F is as well because he has one pack magic here. And if it's 50% chance, he's got a good chance here. First at LON. We started off like two for six. And since then we are one for 17 or something. Let's see if we can get some of one pack magic for Brady. One, two, three, four. We have the Gentlemanly creature. I thought I felt something on there. Soul of purity and light. Deal of phantom. Flying fish. Give us that secret rare magic cylinder. Dream sprite. Crave robbers. Retribution. Gadget soldier. Fairy guardian.  Super rare. All right. We're back on the board, guys. We are back on the board. Thank goodness. Sometimes it's the one pack magic people that never get anything. Sometimes they get everything. So far one pack magic's got like three of the foils. I feel like maybe two either way. Pretty good. Okay. Oh my goodness, Michael, you played your cards right. Your Yu-Gi-Oh GX style. Michael S has nine packs and there's still tons of foils left in here. It's almost impossible for him not to get one. One, two, three, five, six, seven, eight, nine. And then there's only a couple packs after that. Yeah. Okay. Wow. Okay. Michael S, absolutely game on.  Better player cards right. He did. Here we go. We got a lot of packs left. I mean, I think it's 12 packs left total. Michael's got nine of them, and we still have five to six foils left. So Michael might just go absolutely crazy right here. Here we go. One, two, three, four. We have Grand Tiki Elder, Kira Mermaid, KBO Dragmore, Humanoid Slime, Mario Kutai, Portrait Secret, Dark Door, Dream Sprite, and a Revival Jam. There we go. The super, I love the most out of this set. Centering is definitely off, but that is a beautiful card. I love how it's only on the jam and it's that really cool blue color. It looks nice. So Michael S already played his cards right. He's looking really good for this opening. All right. Crimson Century. We have Collective Power, Miracle Dig, Lighting Conger. We have Offerings to the Doomed, Milken, Summoner Evolutions, Boneheimer. Wow, that's Centering. He's crazy. And Spirit Message A again. Another Spirit Message A. Next pack, Michael. You're one for two so far. Not a bad start. Let's see if you can get our next Ultra. So far, we only have one Ultra and you can get three to four Ultras in 36 pack boxes. So there could be a lot left here in these last few packs. One, two, three, four. Let's see if we can get some here. Dancing Fairy. We have Worm Drache, Archer, Blind Destruction, Unfriendly Amazon, Swordsman of Land Style. We have Baitaw, Forgiving Maiden. Ultra Rare. There it is, Michael S.  You're playing your cards right.  It's crazy. Dark Necrophier. Centering is not perfect, but that is an amazing card. That is amazing. So he's got not only Dark Necrophier, but he's got Revival Jam. He's crushing it right now in only three packs, by the way. He's got six more. That puts us up to six foils now. All right, Michael, good luck. Continue this log, man. You're killing it. Hit that like button for Michael. See if you can continue this crazy luck. We have Soul bewitchment or scroll. Sorry. Rock Spirit, Flame Dancer, Fire Sorcerer, Saint Joan, Empress Mantis, Spirit of Flames, Lighting Blade, and he's going to get another one. Dark Spirit of the Silent. He's three for four. He has three foils. Before this, we had four foils. He has three out of four packs. What a mad man. He cannot stop. He is absolutely insane. Next pack. We are on a hot streak right now. Three out of the last four. We've only gotten two Ultras. We've gotten, I think, four supers. Is that right? Let's see if he gets another four here. Crimson Century. We got Miracle Dig, Lightning Conquer, Dancing Fairy. Can we get that last warrior of another plan or the Secret Rare Magic Cylinder? Obviously, the day we got the Beast, Bohnheimer, Unfairly Amazon, and the Destiny Board. The final has been completed. Spirit Message F technically, Destiny Board. Oh my goodness, Michael.  What a day to be Michael S. He is going insane. He has four for five with two Ultras and two supers. If he gets the Secret as well. Oh my goodness. He's a mad man. Will he finally not get something here? I don't even know. We have Deal of Phantom. He is insane. Flying Fish. Crimson Century.  Miracle Dig. Emperor's Holiday. Gross Ghost of Flood Dreams. We've got Lady of Salem of Flames. Dragonic Attack. And we have, he finally got a rare Newbie of the Wicked. Finally, he's now four for six. Okay. After that crazy run, let's see if he's going to get anything else the rest of the way. Michael S. Yeah, he's now known as Michael W. I think. Yeah, that's true. One, two, three, four. He might be known as that from now on. We have Collective Power, Miracle Dig, Lightning Conquer, Dancing Fairy, Melt with the Four-Face Beast, Zomber of the Dark, Bohnheimer, Unfairly Amazon. And we have infinite cards. Kind of like his infinite foils. He was pulling a second ago. Two left. Here we go. We need the secret. This is a really good box. It's a very good LLN box. It hasn't really been a dud yet. I mean, there hasn't been a dud. We just need that secret. Curse of the Masked Beast, Biomage, Aqua Spirit. We have Spirit Elimination, Garuda, Jam Defender. Pretty cool to see Jam Defender. Get that Retro Pack Super later. Emperor's Holiday with Gross Ghost. And a Deep Fusion, dude. Five out of eight. This man is insane. He pulled more foils than everyone else combined right now. That's pretty wild. One pack left for Michael. And then there's three packs left in the box. We now have three Ultras, five Supers. So there should be another one, I think. One to two more. One, two, three, four. Here we go. Oh, careful there. We have a Skull there. Steric Fairy. Headless Knight. Last pack here. Lady Panther. We have three after this. Lady Assailant. Draconic Attack. Spirit Lady. Shining Abyss. Okay. I don't think that was an L. I hate to break it to you LLN. That was not an L. That was a success. That's what we call that. Michael S. Congrats on just absolutely balling out right there. We've got two people left. Austin M. One pack. Here we go. Okay, Austin M. There's still hope. There is still a foil in here, I think. If we're on the right count, we only have eight. There should be at least one more. I just ripped the pack. It's the first one I've ripped. Oh, man. I was doing so good. Okay. Second L of the day. But don't worry. This one is going to be a W right here. One, two, three, four. We have a Miracle Dig. Lightning Conger. Let's go. Ruxen Special. No secret yet. Dancing Fairy. Warm Drake. We could get a fourth Ultra. That'd be great too. Draconic Attack. Spherus Lady. Tornado Wall. Shining Abyss. And Jowgan the Spiritualist. Okay. Wait, wait, wait. Okay. I'm thinking Michael, if Michael got five, we actually have, we have nine foils. So there's one potentially left. And it couldn't be the secret because usually it's going to be a, it's going to be a secret. Well, if we got six supers, three ultras, one secret, that would be pretty normal. Okay. Two packs left. If you get a secret. Ashtraness. You have the last chance to get the secret rare. Will it be in the last two packs? Come on. Here we go. First edition. Labyrinth of Nightmare. 36 pack box. Give us a secret rare. Come on. One, two, three, four. We need a W right here. We have a Kybio Dragmourn. Fairy Box. Earl of Demise. The Gentlemanly Creature. Soul of Pyrridion Light. We have Imprismantis. Spirit of Flemis. Blade. Garuda. And Spiritualism. It's all coming down to the final pack for Ashtran. Be an Ultra or a Secret. And this is an incredible, incredible box. Let's go. Right now it's, uh, it's three and six, which is average for like ultras and foil totals. So it'll go above and beyond if this one's right here. Secret rare. We have the Rock Spirit. Flame Dancer. Come on. Fire Sorcerer. Biomage. Grave Robbers Retribution. We have the Gadget Soldier. Fairy Guardian. Offerings to the doomed and infinite cards. All right. It turned out to be an amazing box. Unfortunately, no magic cylinder, which I absolutely love. So maybe next time we open a 36 pack LL in first edition box, which who knows if that'll ever happen. We'll get one. Shout out to Tomfoshow Daxter, Puffins of Doom, Ernesto Dina, America Doidster, Leo Gwine, 62, Brad KK Beats, Ananda Taisho, Ian Musa, Junior Marding, Robert F. Thomas McLean, Changelang, and Joey Castle. Thank you guys for supporting the channel. I'll see you guys in the next one. Peace.


Well, to you know, Don Marquis does not believe in reincarnation. He does not believe in the transmigration of souls. He obviously hasn't had the same experiences that I have. A robin said to an angle worm as he ate him, I'm sorry, but a bird has to live somehow. The worm, being slow-witted, could not gather his descent into a wisecrack and retort. He was affectionately swallowed before he could turn a phrase. By the time he had reflected long enough to say, but why must the bird live? He felt the beginnings of a gradual change overtaking him. Some new and disintegrating influence was stealing along him from his positive to his negative pole. And he did not have the mental stamina of a Jonah to resist the insidious process of assimilation, which comes like a thief in the night. Evens and fish hooks, he exclaimed. I am losing my personal identity as a worm. That's wrong. My individuality is melting away. So help me.  I still do not understand what my mentality, why a robin must live, and yet I soon into a condition of belief. Yes, yes, that is my dogma, and I shouted, a robin must live. Amen. Said a beetle who had preceded him into the interior. That is the way I feel myself. Is it not wonderful when one arrives at the place that he can resignedly? Nay, even with gladness, recognize that it's a far, far better thing to be merged harmoniously with the cosmic all. And this harmonious situation in his midst so affected the marauding robin that he perched upon a blooming twig and sang until the blossoms shook with ecstasy. He sang, I have a good digestion. And there is a God after all, which I was wicked enough to doubt yesterday when it rained. Breakfast, breakfast, I am full of breakfast. And they are at breakfast in heaven. They breakfast in heaven all swell with the world. So intent was this pious and murderous robin on his own sweet song. He did not see Mehidebel the cat creeping toward him. She pounced just as he had extended his larynx in a melodious burst of Thanksgiving. And he went the way of all flesh, fish, and good red herring. Proud Mehidebel, licking the last feather from her whiskers. Was that not a beautiful song he was singing just before I took him to my bosom? They breakfast in heaven all swell with the world. And even yet his song echoes in the haunted woodland of my midriff. Peace and joy in the world and over all the private and skies. How beautiful is the universe when something digestible meets with an ego digestion. How sweet the embrace when Adam rushes to the arms of waiting Adam. And they dance together, skimming with fairy feet along a tide of gastric juices. Oh, feline cosmos, you are made for cats. And in the spring, oh, cosmic thing, I'll dine and dance with you. I shall creep through yonder tall grass to see if Perid ventures some silly fledgling thrushes, be not floundering therein. I have a gusto this morning. I have a hunger. I have a yearning to hear from my stomach still more music in accord with the mystic chanting of the spheres of the stars that sang together in the dawn of creation prophesying food for me. I have a faith that Providence has hidden for me in yonder tall grass still more ornithological delicatessen. Oh, gaily let me strangle what is gaily given. Well, boss, there is something to be said for the lyric and imperial attitude. Believe everything is for you until you discover you are for it. Sing your faith in what you get to eat right up to the moment that you are eaten, for you are going to be eaten. Will the orchestra please strike up that old tootin' common jazz? Well, I dance a few steps. I learn from a gypsum scarab. And someday I will relate to you the most merry light-headed wheeze that the skull of Yorick put across an answer to the melancholy of the day. And what the ghost of Hamlet's father said to the skull, not forgetting the worm that wriggled along one of the pigs the gravediggers left behind. For the worm winked at her ratio while the skull and the prince and the father talked, saying, there are more things between the veriform appendix and nirvana than are dreamt of in my philosophy or ratio. Father Riddle, father Al, must every parrot be appalled? Ah!


Personal Finance PowerPoint Presentation How to buy a house with bad credit Get ready to get financially fit by practicing personal finance Most of this information can be found at Investopedia Where you can go to look at the references resources Continue your research from there This is by Ray Houtley Beck Published January 3rd, 2022 How to buy a house with bad credit Buying a house is absolutely possible with bad credit In other words, you might be thinking, I don't think I could buy a house Because I have bad credit That is going to be a hurdle to go through Because when we go through the home purchasing process Typically we're going to be needing financing Because we're not usually able to put the cash down up front And when we go through the financing process We would like to get as favorable financing as we could It would be as easy as possible to get the most favorable financing If we could check off all the boxes Including things like having good credit Would be a good one Being able to put a good amount down Like a 20% down payment For example, having a solid income From a dependable source One which the bank thinks is a dependable source Those are all things that look good on the lender's side of things And if it looks good on the lender's side of things That means that they're going to have less risk Or feel that they have less risk And that usually means that we get a more beneficial process For us But what happens if we can't basically check off All those nice shiny boxes though But it is harder and more expensive Than it would be for people with excellent credit So obviously having better credit Would make the process easier to do Because we'd be checking off that box If not, then we're going to have to go through A little bit more difficult process But possible to still get the loan possibly Before starting the home buying process You should consider why you want to be a homeowner So clearly that's one of our decision making process points When we want to get into the home Why do we want the home? Is it going to be an investment type of thing Or is it more like something that we want to live in For a long period of time In other words, most of the time when people purchase a home They might feel one, I need the home for my personal That's where I want to put my roots down That's where I want to be for a long period of time And I want this location here That would be the one reason The other reason would be, well I feel pressured To put an investment in I want to invest in the home And I feel like there's certain people And or maybe even the government With the deductibility of taxes and interests Kind of incentivizing purchasing a home So I feel almost obligated to buy a home Now normally I would think that that first one Would be the more legitimate reason, right? If you're going to be able to afford the payments On the home and you're able to stay in the home For a long period of time And that's where you want to be Then even if there's a fluctuation in the market Then in the long run if the home serves its purpose And you're able to make the payments You'll typically be better off If you're purchasing it as an investment Then it's likely that you're going to be worrying A lot more about the increases and the decreases In the market and possibly in it For more of a short term time frame And so you want to just make sure That you're aware of that when you go into it So home ownership has many large unexpected costs That can be difficult to cover If your financial situation is unstable Continuing to rent indefinitely Or until your credit improves May be the best financial choice for you So if your credit isn't great Then it might be You want to measure the pros and cons Which we've taken a look at in the prior presentation About whether it be best to rent Or the pros and cons of renting Versus home ownership home purchase So an FHA loans Your credit option for bad credit Federal housing administration FHA loans are loans insured by the FHA But are actually issued by any FHA approved lender FHA loans are created to help low and moderate Income borrowers become home owners If individuals cannot get approved For conventional mortgages Then FHA loans are the remaining option For helpful home buyers with bad credit So clearly the FHA would be An option in that situation This is one of those things One of those kind of laws In addition to being able to deduct Things like interest on the home Possibly if you're itemizing And then the property taxes And then you've got these incentive programs Which were put in for many people As a good intention To help people achieve the dream Of getting a home But at the same time These are also the types of things That make us feel like We should get a home Or we're obligated to get a home The government is saying that Home is part of the process We'd be beneficial to do so And so note that these programs Have a lot of different incentives in them So of course we want to use them When they're applicable to us But I wouldn't use the program's existence The ability to deduct for example Interest and whatnot As rationale as to why to buy the home It's just another factor That you've got to put in the pros and cons To see whether it be a beneficial financial And personal choice So FHA loan requirements Credit score as low as 500 With 10% down or as low as 580 With 3.5% down So clearly the down payment Is another kind of key component So if we were taking like a normal loan Then and we just had the two people Involved the bank and the lender And we don't have like the third component Of the government Clearly the bank wants to make money That's their point here So they would like to give the loan Because they make the money from the interest However they've got to take on the risk Of people not paying back the loan And so the way they're going to mitigate the risk Is one they're going to put a substantial amount Down payment So the more down payment is put down The more the bank feels that the home Purchaser is invested in the home And the more secure they are in the event That the home purchaser or buyer The one taking out the loan If they default on the loan Then you have recourse to the home And the home should be valued above The loan value Because you put down the down payment So you can see that would significantly Lower the risk to the bank So the higher the down payment on the bank side The more comfortable they generally feel And then also of course the credit score Is the other big kind of factor That they're going to take into consideration Because that's going to give them some history As to your ratings And your ability to pay back the credit And then of course your income level Is going to be another big factor That will put into play and then possibly Your balance sheet after that point in time So debt to income ratio of 43% or less So we're going to use these kind of heuristics These ratios to help with our calculations On the lender side of things Remember that when you're using these ratios These ratios are the types of things That the lenders are going to use Because they want to be Able to apply something that's fairly consistent And which they can depend on For a large amount of people So note what the lender can depend on They can depend on gross income typically Because they can verify most of the time The W-2 or the deposits into the checking account At least or the income level In some way the 1099s or the tax return To help to verify the income They can't verify your spending habits Per se as easily Because those are things that aren't being reported On the taxes per se often times So they would like to have a heuristic On the gross income But note that that doesn't really reflect Your personal spending habits Might be very different than the average Other personal spending habits So you don't want to depend on the lender To be having them try to calculate Whether or not you can afford They're not doing the budgeting for you In other words they're doing it on their side To see how much they would be willing to lend you Keep those two things separate I want to go to the bank and I'd like to be able To have as much access to as much funding As I possibly could have If I need the funding I would like it to be there To hire the better And so that's what you're talking to the bank for On our budgeting side then I'm looking at My budgeting to determine how much I want to actually take out How much loan I can afford to take out I'm not dependent on the bank to do that I'm giving them the numbers hoping to get as much Financing available as I can And then I do my own kind of thought process In terms of how much I want to actually take out Hopefully I want to take out something Less than the amount that I possibly could take out If I needed to from the bank So verifiable income for two plus years So they're typically going to go back a couple of years To verify the income and the more solid The income sources the better to the loan So what they like to see is something that's like If you were like a tenured professor Or something like that and you're locked in your job They couldn't fire you if they wanted to Kind of thing then that's pretty secure You know what the pay raise is going to be and what not And obviously that would be a fairly secure item If you're an hourly employee and what not Even if you make good money hourly employee You're making a lot of overtime They might feel a little less secure Given the fact that the hours could fluctuate And what not and if you're sole proprietorship Then unfortunately they're going to be a little less secure Oftentimes because there could be fluctuations In that market as well So improve your credit score or taking a few steps To improve your credit score before home shopping Will improve your home buying experience Exponentially So if you can increase or if you can Increase the credit and there are tactics You could do to do so if your credit score is low Then you might want to take a look at that And today's hot real estate market Many home sellers are less likely to choose Offers with low down payments that will require them To deal with FHA's stringent appraisal process So if you know obviously when you got the government Kind of involved there's typically going to be Kind of more red tape that is going to be involved So if you're in a market where people are able to sell And the seller doesn't have to deal with that as much They might be tending not to if they don't have to So improving your credit score can allow you to get A conventional mortgage and make stronger offers On homes that are more likely to be accepted So if there's a lot of competition in the market Then you want to do whatever you can to get an edge Against the competition to pick up the home on your end So number one, pull your credit report to see Why your credit is low and check for error So what we can we do to get the credit score up We can take a look at the credit score That's the first thing to do, check it out Why isn't it excellent, why don't I have five stars on this thing This is free to do once a year from Experian, Equifax And TransUnion at annualcreditreport.com So these are the three credit kind of scoring agents places They go to, you know, the lenders will typically Go to all three of them and kind of check them out And so you can go to them and you can find them At this website if you so choose annualcreditreport.com Number two, pay down any revolving credit lines To improve your credit utilization percent This usually results in an immediate jump in score Number three, have any errors removed from your credit report Especially late payments, so if you have any late payments On there that are impacting negatively your credit score If there's a way to get those off of there Then that would improve your credit score Especially if they're erroneous then hopefully you can do so Number four, consider consulting with a credit report service To see if your score can be improved enough to save you The cost of their fees in reduced mortgage rates So why you should improve your credit score before buying Even improving your credit score by just a few points Before buying can still save you thousands of dollars So the better credit score is going to put less risk on the lender The lender typically feeling more comfortable if they have less risk Then they might be able to offer less in terms of the rates In terms that they'll be charging If boosting your score allows you to be approved For a conventional mortgage instead of an FHA loan You will save the upfront mortgage insurance premiums Of 1.75% of the loan amount Additionally conventional loans tend to have lower closing costs And interest rates than FHA loans While both FHA loans and conventional loans Will require a monthly mortgage insurance If you put down less than 20% an FHA loan Includes monthly mortgage insurance for the life of the loan That you can only get rid of by refinancing And paying closing costs on a new loan So that can get expensive if it's going over the whole time frame For a conventional loan the private mortgage insurance drops off Once your loan balance is equal to 80% of the property value So the general idea here is the lender wants to safeguard the loan If they're taking on a more risky loan Then they want the insurance And obviously if you take the FHA They're going to have the insurance the whole way out Because the whole point of the FHA is because it's more risky In the first place But if you take the conventional loan And you put in less than the 20% That's when they're usually going to say Hey look I got a more risky kind of component here Because you're not invested in it So I want the insurance up until the point Where I feel like you're solidly invested Which is that 20% down Or the loan equaling 80% of the property value And so then you might be able to drop it off A little bit faster then So optimize the rest of your borrowing profile Your credit score isn't the only factor That goes into being approved for a loan You can increase your likelihood of being approved For a loan under favorable terms Even with brand credit By optimizing the other parts of your borrower profile So putting your money down on your mortgage Putting more money down on your mortgage Essentially means that you are putting more Of your own collateral into the loan And makes the lender view you as less likely to default And a risk lower borrower So when we're looking at the different factors here The credit score is only going to be one factor Another factor is going to be How much revenue do you make They're going to be looking at that Balance sheet although you're probably stretching yourself To put as much cash down as you can Up front anyways And then the more money you're going to put down Up front then that's going to make the borrower Feel good as well So if you were able to overcompensate On one of those items If your credit score isn't as good as it could be But you could put more down up front Then you might be able to Compensate to some degree So if you are struggling to come up With down payment money There are many unique ways to beef up your funds Some areas even have down payment assistance programs Improving your debt to income The DTI ratio can also help you get approved For a mortgage with bad credit So the other factor is Your debt to income So there's two factors in there Debt and income That ratio that you can improve on So if you can pay off Or get rid of some of your monthly debt obligations Like a car loan Your DTI will improve Clearly if you can reduce some of your debt Then your debt to income Will be more beneficial Increasing your income by picking up a second job Will also improve your DTI So the second thing, another thing you can do of course Is increase your income line item Which will also increase The ratio of the debt to income That you know It's hard to know exactly What that's going to look like Because again the loan officer might be looking How far back your income is And look a couple years back On the tax return or something like that So if you picked up a new job You're like I'm working 80 hours How long has that been? It's been like a week They might not be completely comfortable That that's going to be a long term 30 year lasting capacity For you to be able to do that But again it kind of depends on the lending environment What the current regulations are In terms of how they're going to perceive that But clearly income going up Would offset or compensate for other Less favorable items to the lender So the easiest way to improve your DTI Is by shopping for homes At the lower end of your budget So if you're determined So clearly the debt to income Is trying to say how much home you can purchase So the other thing That people usually are trying to do Is they end up trying to buy a house That's on the high end Of what they might be able to purchase So if your DTI would be More favorable If of course you were shooting for less home Than the maximum amount You would be able to get if you were to maximize All other factors Such as your credit score And your down payment So if you determine that you can afford A house up to $300,000 But your credit score is lower Than you would like You can increase your odds by being approved For a mortgage if you choose A house that costs $250,000 So you might say hey look I can buy a home Up to $300,000 Based on you know like My income information or what not But I have some other Problems with my credit score or something like that So in order to maximize your DTI You could shoot for the home That's at the $250,000 And then of course then your DTI Would go up and possibly compensate With relation to the home Value and that would In the loan and so on that would increase Loan options For unique populations If you meet certain criteria You may qualify for a VA loan Or a USDA loan Both of these loan types allow you To put a 0% down Without paying private mortgage insurance And do not require a minimum credit Score which makes them a much Cheaper option than the FHA Loans, VA loans You typically have to be a veteran Who served for certain time periods Or under specific circumstances Or be a surviving spouse Of a veteran with specific circumstances VA loans are Issued by private lenders But backed by the VA You must have a certificate Of eligibility from the VA To get a VA loan USDA loans These loans are typically in areas designed As a rural by the USDA and borrowers must meet Income eligibility limits Based on the median income Of their country and their household Size


My man young way cool in the hot seat. I'm super excited. Is the seat warm? We got like a little I'm good. It's hot enough. You know, let's go. All right. See warrants that we paid electric bill. I don't think we paid it All right, don't worry about it. Can't afford it Remember how you were telling everybody in the locker room that you felt like I shouldn't be playing football I should really be singing Yeah, that's why I'll try to hit the way Yeah, so I'm here to support you man. I appreciate you brother. So young way cool, man Can you tell me what it's like coming into another? Beautiful opportunity or beautiful season.  So it's like, all right, you know, let's get it So I'm excited. Yeah, man. Like you said, it's it's like I always to be honest with you. I always kind of didn't like football because you work so hard all year round for 17 opportunities this year, right?  We get all that energy. It's going to be amazing. So can you walk us through because a lot of people You know, kickers get a bad rep and this is my ninth year in the league.  Because clearly you don't have a kicker's mindset You got an athlete's mindset, but like where'd that come from?  So you get hurt and whatnot, but I like When I'm out there, man, I'm like one of the 11 So why take myself out be a part of the team and help my team, you know, win Try to win any way possible. So if that's me just jumping on a pile or whatever or If you're at the right place, I you know, whatever it is. So why not? Why not? You're out there. Love it. And like I said, I've never seen anybody any any specialists Do what you do when it comes to that like you said, you're you're at war with us as as we all know So, you know, I I appreciate it. I'll tell you that much. All right, man final question for you final question Actually, this is a more important question. So growing up in New Jersey, you and I have had the opportunity to have a few different conversations about Like to change said what you do and who you do it for, right? So like can you tell me Who you step out on the field With in mind like you walk out on the field and I know you have a bigger purpose than just yourself Can you kind of share that with us today? Me Like all the work that I put in I mean, I I want to you know, no it might be selfish or not But it's like I put the work in and I mean I'm in the gym, you know, whatever it's lifting running and all that stuff Um, do it for that guy that went through it in the spring and in the summer. There we go There we go. I thought you was gonna say the kids Because I remember we just had the conversation you were saying it was for the little kid in the cafeteria It's always about the kids I mean, it's it's it's giving me You work hard. We all work hard for this opportunity and so many times it's taken away Like we we trying to please other people and it's like ultimately like this is I'm the one who bled sweat and cry for this thing. So, you know, I love it Young way cannot wait to continue to go to battle with you. Let's ball out this season Let's make falcons nation proud Young way


Hello, hello writers! I'm Christine Kiefer, author of fantasy fiction and creative writing resources, and you are listening to the Well-Sturried Podcast, where I share insights, encouragement, and actionable advice designed to help you craft sensational novels and build your best writing life. Always in 30 minutes or less, so you can get back to writing, of course. Ready for the show? Let's get talking. Writer, thank you so much for tuning in to today's episode of the Well-Sturried Podcast. Today is June 28th, 2017, and if you are interested in self-publishing, then today's episode is one you are going to want to listen to. Because, as the title states, today we are breaking down the cost of self-publishing a book. If you would like to check out the article that corresponds with today's podcast episode, simply head on over to well-sturried.com slash cost. Now, without any further ado, let's get started. The freedom to publish whatever you want whenever you'd like makes self-publishing an attractive option for many writers, but such freedom comes quite literally at a cost. How much would it set you back to self-publish a book? To put it simply, however much you'd like. If your sole reason for publishing is to make your story available online, then it's entirely possible to self-publish without spending a dime. But if you'd like to develop a career or a side hustle as an independent author, then spending a bit of cash to produce a high-quality book is key. So, let's take a look at some of the most common expenses that independent authors incur, beginning with an overview of self-publishing costs. To produce a book that readers will not only want to buy, but that will keep them coming back for more, independent authors typically invest in some or all of the following services. Developmental editing, line editing, copy editing, proofreading, formatting or interior design, and cover design. These services represent the same pre-publication tasks that a manuscript would undergo in the hands of a traditional publishing team. The only difference is that independent authors must pay for these services themselves upfront. How much each service costs will depend on the length and or genre of the manuscript, the difficulty or complexity of the work, and the unique pricing model each freelancer or company employs. As you begin to research editing, cover design, and formatting options online, you may find yourself surprised by the wide range of pricing models and quotes. Why would anyone pay $2,000 or more for a developmental edit when plenty of freelancers offer the same service for less than 500 bucks? Generally speaking, you get what you pay for. Though there are always exceptions to the rule, most highly qualified companies and freelancers charge a premium for their services, and rightfully so. Most indie authors spend somewhere between $1,000 and $5,000 on their book's production. If you decide to self-publish as well, it will be your job to determine your unique budget and which services you consider most important as you work to bring the best version of your book to life. Now, shall we break down the full scope of self-publishing expenses? With all of the preliminaries out of the way, let's explore the six most common self-publishing expenses we already listed in greater detail, including what they entail and how much they typically cost. First up, developmental editing. Also known as content or structural editing, developmental editing consists of story arc and scene-level feedback designed to help you polish your story's plot and character arcs, world building, themes, and other key story elements. A full developmental edit is typically highly detailed and includes inline notes, making it the most expensive form of feedback on your story. However, many developmental editors also offer more affordable manuscript critiques, evaluations, or editorial letters that consist of broader, but still highly valuable feedback on your story. Some independent authors, especially those writing strict genre fiction, forgo such editing entirely in favor of utilizing feedback from beta readers. But generally speaking, the price range for developmental editing or similar story-level feedback ranges from $500 to $2,500 U.S. dollars. Next up, line editing. After finalizing your manuscript, you may wish to seek feedback from a line editor who will critique the language you use throughout your manuscript. Though a line editor may point out spelling and grammatical issues, they're chiefly concerned with whether you've used the best possible language to tell your story. Their line-by-line feedback is typically highly detailed and can help refine your writing style. Because both forms of editing address the language of a manuscript rather than its content, line editing is sometimes known as copy editing and includes feedback that addresses the accuracy and consistency of a writer's prose. However, many authors find it helpful to first address the effectiveness of their writing before ensuring its correctness. For this reason, many editors offer line editing and copy editing as two distinct services. When we're talking specifically about line editing, the general price range you're going to find is between $500 and $2,000 U.S. dollars. Next, we have copy editing. When treated as a distinct service, copy editing denotes detailed feedback on the consistency and accuracy of the language used throughout a manuscript. Think, sentence structure, word choice, voice, verb tense, and point of view. Copy editing is often conflated with both line editing and proofreading, and there's nothing inherently disreputable about editors who don't offer copy editing as a distinct service. Just make sure that you understand the technical differences as you determine which types of editing you'll commission. The price range for copy editing typically ranges from $300 to $1,500 U.S. dollars. Finally, we have proofreading, at least as far as editing goes. Proofreading is commonly understood to mean something along the lines of combing through text with the intent to find and fix spelling errors and grammatical inaccuracies, but the true scope of this work is much more detailed. Proper proofreading takes place after a manuscript has been formatted. The work itself consists of ensuring the printed or digital proof matches the final manuscript, contains no remaining errors or inconsistencies, and is formatted correctly for mass production and or online distribution. While some editors conflate copy editing and proofreading, typically under the label proofreading, many others offer great bundled rates on their distinct copy editing and proofreading services, so keep an eye out if you're on a budget. The price range for proofreading? Somewhere between $150 and $800 U.S. dollars. Next, let's talk about formatting and interior design. After a manuscript is finalized, it's ready to be formatted for distribution. Many authors opt to format their own manuscripts and can do so quite professionally thanks to the DIY tutorials, templates and apps available online. I've linked a list of those for you if you'd like to check them out in today's episode transcript at well-storied.com slash cost. That said, it's perfectly normal for an author to commission this service as well. Technically speaking, formatting consists of preparing a manuscript in plain text, so fixing fonts and type size and paragraph and line breaks before the interior design and layout are done, which consists of all the technical things that go into making sure your story looks super great on the page. While copy editors typically address the plain text formatting, the term itself, formatting, has become largely one and the same with interior book design. That's just something to be aware of when you start researching your formatting options. Another thing to bear in mind is that each edition of your book, for example, paperback, ebook, large print and hardback, must be formatted separately. This can drive up the cost of formatting if you choose to commission this service. All in all, the price range for formatting or interior design can range from no money at all to roughly 600 US dollars. Finally, we have cover design. Let it be said that customers do judge books by their covers, which is what makes commissioning a great cover design so important. Thankfully, the expense of a high quality cover doesn't have to break the bank. Many cover design companies and freelancers offer pre-made book covers for $99 or less, as well as print and ebook cover design bundles that can make custom cover design more affordable. Some companies and freelancers will even happily bundle custom cover design with one or more of the following services, interior formatting, audiobook cover design, author branding, and marketing materials. So again, keep an eye out for deals. All in all, cover design typically costs somewhere between $49 and $2,000 US dollars, all depending on how many different types of covers you need and just how custom of a design you're looking for. With all of these services and expenses broken down, let's talk about some of the additional self-publishing costs that you may encounter. These six self-publishing expenses we just talked about aren't, after all, the only costs that independent authors may incur as they prepare to launch their books. Some self-publish authors also choose to invest in interior illustrations, fantasy map design, professional headshots, professional blurb copy or blurb editing, print books for in-person bookselling events, author website domain name, hosting and maintenance, marketing tools, merchandise and book swag, launch party materials, and an ISBN, an international standard book number, among other such investments. Most of these expenses are far from necessary, but they're nevertheless something you may wish to consider as you prepare to produce, publish, and share your book with the world. Speaking of which, if you'd like to begin commissioning some of these services for yourself but you don't know where to begin, be sure to download your free directory of self-publishing resources at well-storied.com slash toolkit. All right, that's everything for me today. See you next time, writers. Thank you for listening to today's episode of The Podcast Writer. I hope you found it helpful to your writing journey. If so, make sure to subscribe to the podcast so you never miss a new episode, and to give the podcast a quick rating or review. Doing so goes a long way toward helping the podcast reach new writers and lets me know that you're enjoying what I'm creating. You can also give me a shout-out directly on Instagram at Kristen underscore keeper. For additional guidance as you work to craft sensational novels and build your best writing life, be sure to head on over to www.well-storied.com where I share blog posts, workbooks, e-courses, and other helpful resources for writers. Again, that's w-e-l-l-s-t-o-r-i-e-d.com. Thank you again for tuning into today's episode, my friend. Until next time, happy writing!


Mr. President, this is a group of seven graders, people volunteers. Mr. Coleman, our volunteer, this is our teacher, our librarian who's teaching the study skills course. Ms. Jackson, the computer and business teacher. Ms. Sue White, the math counselor teacher. And these are all seven graders with an exception of all the students who we demonstrated in math, computer, and computer. Let's welcome Mr. Coleman. Mr. Coleman, he's going to explain what he's done. Mr. Coleman. Good morning, Mr. President. Good morning. Thank you very much for affording us an opportunity to share with you a few of the exciting things that we're doing in education here at Jefferson. Ms. White tells me you asked about math counts. Math counts is an accelerated coaching program combined with a series of written and oral competitions held at the local, state, regional, and national level covers a wide variety of math topics including some concepts that are taught in college level courses. The students compete both as individuals and on a team basis. Robert Hogan's, who will begin the eighth grade here at Jefferson next month, and Warren Tilden, who will begin the ninth grade here at Jefferson next month, will describe two applications of two different math concepts. And if I may direct your attention to the board just to your left here, will ask Robert if he will describe the first of the two problems that we have here. Robert? Well, the first problem is in a class of 25 students, there are 15 girls and 10 boys. Five boys and seven girls are athletes. Two boys and six girls are math majors. Six boys and 11 girls are taking courses in computer, science, and technology. The problem is if 12 students are chosen at random from this class, how many of those selected would you expect to be? A, girl athletes. B, enrolled in computer science and technology. And C, math majors. Well, since we have 25 students and we have 12 picks for girl athletes for each, since we have 12 picks and for every pick there's the probability of picking a girl athlete would be 725th. We multiply 12 times 725th and it equals 3 and 925ths which we round off to be 3. So for the answer for A is 3. And for B, there are 17 students enrolled in computer science and technology and since there are 12 picks we multiply 12 times 725ths which equals 8 and 425ths which we round off to 8. So B is the answer is 8 and for math majors the answer would be 3 because 12 times 825th equals 3 and 21 to 25th. Thank you. Thank you very much. And one, the marketing department of the XYZ company asked 115 persons to test taste three types of cookies. A, tasty treats, B, crunchy chew, chew, C, raisin delight. 30 like A only, 13 like A and B, 25 like A and C, 18 like B and C, 7 like C only, 3 like R3, none like none of them. If the company will only market those cookies like by at least 40% of those surveyed which cookies were the XYZ company market? Okay. We have a Vanguard round here showing the number of people who like different kinds of cookies and we see that number of people liking tasty treats which is A, 71 people and that's clearly over 40% of people. And B only had only 34 people like B and so then that's not over 40% and so they would be out of it. And C is 53 of the persons surveyed like C and so that's over 40% so A and C would be the cookies that were marketed. Thank you very much. I confess to you how far I was behind both of you in these examples. You'd know why we've got a budget deficit. That was great. Thank you. We're very pleased to have had this opportunity and we thank you for coming and sharing this experience with us. Well, I'm pleased to be here and really I mean this was quite a mathematics example and I feel a little humbled. Thank you very much Mr. President. Thank you very well. Thank you. It was a building, a winning tradition. We are winners all the time. When walking the door, we become winners and 7th graders, the new ones, got a chance to see some of our students who won last year CY in Mad Counts and therefore they got an idea of what some of us were like but they didn't get a chance to see President and very few who know what's expected of him and we are very happy to have you with us today. As we move along, we would like for you to know that President Storner later, who I do want to let you know that we're very happy to have you here with us today, I would now like for President Reagan to come forward. Ladies and gentlemen, most of all, you, the students who are in and will be able to find food. It's a genuine idea of your day and I'll celebrate it by having young clients and a superb education to test at junior high school for the life of the sport. And today, just a brief time on the video, I'll say goodbye. Jefferson is true. One of the outstanding school members. At Jefferson Junior High, the game is to invite yourself to have this school as a reflection of the whole system. The teachers and staff play their part in the enthusiasm to keep themselves to the top of their form and it has to be a heavy weight in the silence from each other and they have to stay up. Parents to Jackson Junior High students also play a critical role. And again, they fight. I've seen one way really enthusiast. Parents have worked a lot for the seven and some of the schools of the housing. Here, I'm sure it's normally it's going to say to me as one day in California that she found out almost by accident that her son being home every morning. But 10 weeks had never been on the school and no one's true. They had a contact watching us in this morning and it gave me very much time. But I don't think I've ever seen it right out of nowhere to end. If it's any consolation, I'll tell you that I have a lot of homework to do too because at the end of your day I know that's when you just come to the morning and then have to get some work. Jackson Junior High will go get a high standard. That's not a shortage of room. Our first question is what do you think the most important issue facing today's education? I think the most important issue and it's very obvious that what I see here is this drive for excellence. Five years ago, we got our first report from the Commissioner on Actions and Education. Because of the problems facing students throughout the country, there was a nationwide problem. 100% fully of the 17-year-olds in our country were functionally ill.


airing down my tires because we're about to go on gravel roads. This is something I started doing a few years ago because the bumps will just beat you up. You know, it's no big deal if you're on there for a little bit, but we're going to be on there for days, hours of driving on the logging roads. And it makes a better ride, a smoother ride, but it also reduces your chance of getting an entire puncture dramatically. So I'm going to take these down about 10 PSI each tire. And then when we come back out, we'll go ahead and air them back up for the highway. But it's about to get interesting going on the back roads. Stay tuned. He's got a shovel. He's going to get it. You guys get away from that drone. Don't touch it. Hot, hot, hot. Hot. Are you done? That's all you want. Did you get a marshmallow, buddy? Is it good? Ben, what happened, buddy? Oh, no. You got marshmallow all over yourself. Hold on, don't stick on the marshmallow. Did you get water in your boot? Did you get water in your boot? Are you going to get that out? You got to sit down. Oh, that's what happens when you go in there. It's not an exception to catch three brown trout today, but I did. And brown trout mean brown water. And if it's as good as a head in the distillery, you guys are missing out. Oh, man. Little little vapor coming out of the altitude adjustment. It's not a proper glass, but it will do. It's a little dabble, do you? Need a little something after the kids run around all day. Know what I mean? With the vapor swirl into our cavities. I'm getting vanilla. I'm getting some leathery. Oh, my gosh, it just smells amazing. Tiny sip to wet the whistle. Now, now we'll go in for the full thing. Snaggot nine four times is moving day, changing locations to go to a lake. So we've been on this river for a little while, done a little bit of fishing, and now we're going to climb even higher in elevation. It's been raining all morning. Last night just started clearing.  We're just hoping that we can get to our campsite, get set up before the rain starts again. Well, y'all moving day, run into our first snag, ran up onto a tree, on and got stuck. You look like you can make it now. I think you'll be OK. That's what I did. I just slid, slid through. Mom's a little higher up. First nephew. Yeah, I'm going to push it. OK, well, while you're going, well, in a push. Yeah, I'm sliding. I try to go backwards. Yeah, these spots are tricky to get down to. You're going to make it. You're fine. You made it.