Speculations of that former president, Goodluck Jonathan, made a defect from the APC to the PDP has been circulating the news since the visit of the APC governors led by Yorbe State governor and chairman of the Caretaker and Extraordinary Convention Planning Committee, Mey Malabouni, on the occasion of Jonathan's birthday in a bouja in November. Joining us to discuss this is a political analyst at Chike Tudde and legal practitioner Ladik Wadjonson. Thank you very much gentlemen for joining us. Mr. Tudde, it's interesting that former president Goodluck Jonathan has been in the news for either being, you know, an emissary of sorts for Mr. President to different countries, aqueous countries, somewhat like a peace emissary. He has gradually moved from that to becoming someone who's being eyed to become a member of the APC. The same president that most pundits would refer to as one that was getting the shorthand of the stick from the APC. It makes it pretty difficult for some people to believe that this particular rumor is true. But what do you stand? I'm not going to dismiss it outrightly. Politicians are very strange creatures everywhere, especially in Nigeria. So there is nothing beyond them, especially when you are talking about politics without principle, politics without any serious ideological grounding or fixation. So a politician that is ruled by an ideology is a politician that will take a decision on the basis of whatever philosophical constructs he's confronted with. So he's not going to do it just for the sake of power. There is something that motivates him. There is something that pushes him. So because of the absence of that in Nigeria politics, anything goes. And of course we know that it's so easy for one politician to move from one party to another in Nigeria because most of them stand for nothing. But then again, if the APC is actually trying to woo him, it is because I think he set a precedence in this country. If he is an emissary today, on behalf of any West African sub-region, trying to make peace in troubled countries in West Africa, it is because he has ended that right. Especially what he did. That is what has made him a statesman in Africa. And that's why a lot of countries need him when he comes to trying to tie knotty issues that today other countries have. But even if that story is true, just like you said, he received greatly the short end of the stick when he was in power. And the APC did every single thing possible to destroy his reputation, to malign him, accuse him of all kinds of offenses and all that. And then eventually they ended up replacing him. And so what we have seen is that whatever achievements he made as president of Nigeria had been visiated by the failures of the APC. And the country that Jonathan left in terms of the economy, in terms of even the issue of security. Of course we know that the security in Nigeria is far worse today. Then the economy has completely been destroyed. Of course, we all know the inflationary rate in the country and then the exchange rate under genetic, I think it was around, was it two something, three or a something today? It's about close between 450 to 500. So there is really nothing to hold on to. And you can only feel sorry for anybody that is going to succeed their president, Muhammad Buhari, as president of this country because it is going to be a very tough decision to try to unravel and to try to undo the damage that had been done under his administration. So if they are trying to go for Jonathan, it is not out of love. For Jonathan, it is pure selfish politics. And you would imagine that most of the people that are angry for Jonathan to come back, give the stories through, and not turn politicians. And the major reason why they are trying to do that is simply because it is only a Jonathan presidency that would assure them of four, that would assure the control of a four-year presidency before it goes back immediately to the North, because he had already done four years. Any other Southern politician will remain in power for eight years. And so you ask yourself what the North works with power at this particular point in time. They should be ashamed of the embarrassment of the past six years under President Muhammad Buhari. Is there a written law, Mr. Tudei, that the North cannot yearn for power as many times as they want to? That argument has not been made. But the reality, that argument... So why should they be ashamed if these people feel that they're prepared and always have someone to feel for that office? Why should they be ashamed? Because you see, after a very long time, they were accusing certain politicians of having arranged this country that the opportunities they had to be in power, they did not do anything with it. So they say what comes around goes around. So it is from that perspective that we're looking at. And it's not just that. They themselves, for those ones with conscience, are also feeling embarrassed because of the failures of the Buhari presidency. It is from that perspective I'm looking at it. And so when you have this kind of glaring failure, you want to have something else in place with the hope that it is going to be well for the country ultimately at the end of the day. So whether we have a Northern president, a Southern president, the reality is that the political arrangement in this country is such that the way they did it, so that all sides of the country would have a shot at the presidency, is that the president does not handle it. And then after a period of time, it goes back to the South. And then before it goes to the North, so that that arrangement will go around the entire country. But it is not politics, it's not power at the presidential level for the sake of it. I mean, I'm from the Southeast and I can tell you that it doesn't really bother me if you have the South Easterners as president of Nigeria or not. What we want is a president that is going to be there for everybody, for the South and for the North. That is the kind of president we want. I'm going to put a pin there and I'll come back to tackle you on the Southeast presidency. But let me come to Mr. Johnson. It all started when the Bialsa election happened. It came as a surprise to many, but many also started at the time to speculate that maybe former president Goodlock Jonathan may have been in bed with the APC.  And so he reports to the sitting president. But then because we're not a fly on the wall and we do not know the ongoings within the Asarok villa, these rumors have grown bigger. But I ask you, as someone who analyzes politics and a lawyer, why would a president Goodlock Jonathan want to, former president Goodlock Jonathan, want to take another shot at the presidency? Well, most politicians would not shy away from the seat of the presidency, especially if it's given on a platter of gold. He has constitutionally, he could have another four years if things work out. But I doubt, personally doubt whether he would go all the way to accept the offer if there is an offer. You would know that I think a few governors have moved as well. Some senators have moved. You'd note that the APC is trying to rule as many key people as possible before the elections. Now they know fully well that the economy is in a state whereby the average person is not too happy with what is going on at the moment. But if they are able to take out some key politicians, not take them out as and kill them, but as in win them to their side before 2023, then the opposition party will be depleted and then it will be easier for them as it were to get re-elected at the center. I want to ask you quickly. Sorry, I do not want to distort your train of thought. But if Goodlock Jonathan were to be moved, for example, let's say tonight before we all go to bed, it's breaking the news that former president Goodlock Jonathan has now decamped to the APC, would it in any way change the minds of Nigerians towards this APC government as to all of the things that we've been through? Do you think it's enough reason to really break the camel's back and metaphorically? Personally, I don't think so. I think that unfortunately for him, quite a large percentage of the population are still disappointed at what he did. Now, Achike is right in saying that what he did or what he didn't do at that time might just be, I mean, it's much better than what we have now. But I still don't think that the people, especially in the southern part of the country, a lot of people are not happy with the way the economy is with the APC. If you go online and you see the comments, then you see a lot of people treating this issue that I read one the other day and said he was a supporter of Jonathan. But if he goes to the APC, he's lost him. So I don't think it will be a magic one. They'll still have a lot of work to do. And I'm not so certain that it would work because the APC is still going to have an earthquake. The PDP is rocking at the moment. So a lot of things are still going to happen before 2022. Back to Achike, I did promise that I was going to tackle you on the South Eastern president because this is something that League will have been pushing for, asking for, you know, an opportunity at that ticket. But this is the question I always ask. And I'm not biased in any way because, you know, I'm from the South, but I have no business with the politics. I'm just thinking, you said something about the North and I'm bringing it back again that, oh, this should be a shame because they've had so many shots at this presidency. And so they should allow power to rotate. But if we were, for example, to throw the door open and say, well, let's give the South East or the South South or the Southwest an opportunity to run who's readily available that we can point to. Let's start with the Southeast. It's okay to agitate. I'm open to the idea of agitations. But when it comes to the North, there's always somebody who's ready, more like being groomed and ready to run for those offices. But in our case, who can we readily point to, especially in the South? Yeah, let me put it this way. It's not, when I talk about everybody in the North being ashamed because of the lack of governance in the country, it is a statement that should go to virtually all the politicians in this country, North and South, look at what they have done with the country. So we've not had any meaningful development. I mean, the kind of development that a country in the size of Nigeria should have with all our natural resources and all that. So it is something that should go generally to the political class in this country. They have been a big disappointment, regardless of whether they're from the North or the South. Now you talk about the North always having somebody or being ready, having who? Having who? The North today is in crisis, perhaps more than especially at the level of insecurity. There was a Northern president that they matched from there. So what is life like in the North of this country at this particular point in time? This is a question you should ask. So it is not about power for the sake of power because what we have had in Nigeria in most cases is power for the sake of power. Not political power that redeems the country economically, socially, politically in so many other ways because that is the essence of taking power. So I cannot say that the North has actually, they've always been ready with somebody who is going to have power. For what purpose is that power going to be acquired? Now you look at the North, there's no part of this country. Let me just put you to say there's no part of this country that does not have people who are in a position of people who have what it takes to govern. But you see, you'll be looking at the system in the country and people have often talked about that. And the argument has been made that even if you bring NGOs into Nigeria, that it's going to be very difficult for them to provide meaningful leadership. But we're talking about a leader that is nationalistic, that is patriotic, a leader that is focused, a leader that is bold and courageous, a leader that understands both domestic and international power dynamics and that is ready to do the right thing, to call a spade, a leader that is ready to sacrifice his life in the process. It is not a leader that's going to govern out of fear because if you're going to govern out of fear, you're going to pander to certain interests that are inimical to the overall interests of this country. So do we have such people? I believe that they are Nigerians and wonderful people. We have seen what Nigerians do outside the shores of this country. And I do not doubt you, Mr. Tude, that we do not have those sort of people, but are they in these political parties? Are they the big players? This is the question. I'm not saying that Nigeria does not have people who are capable of leading, but where are those people? This is my question and I'm going to throw that question to Ladik Mottu. Who are these people? Because the people you're referring to may not be the ones who are key players in our big political parties. So why don't we find them? Yeah, I've been impressed with this. I'm the former director of the Central Bank of Nigeria, in the case of Mombogalu, for instance, is somebody that I have a lot of respect for. He's not a sisters man. And so when you look at him, I mean, where you hear him talk, where you hear him speak, when you know that he has a proper understanding of the political dynamics of this country, you realize that this is a man that has everything. There are a lot of people who are very good orators, but when it comes to acting, they're not. And I'm not in any way saying that he's not able to. But when you say, yeah, the way they talk. I talked about the sisters. I talked about the sisters. I mean, pediments of such people within the system.  And with the resource of Nigerian state, they have been able to keep other people outside of the door.  So this is part of the problem. That's why it is difficult for good men to ascend political power in the country unless there's something revolutionary that happens even within the Nigerian people. So it's a very hard sale. It's a very tough ask. It's not going to be easy, but there are people there and he is one and there are so many other people too that have the ability. Mr. Johnson, I'll ask the same question, but in a different way. We have amazing Nigerians on the international scene doing great. We have one in the AFDB. We have one in WTO. We have so many Nigerians. Some of them we've never even heard of them because they're not politicians per se. We have people who are capable of doing a lot of things. But when it comes down to the politics of it, can we really point to those people? I mean, even in the Southwest, we just keep talking about one person. Where are the other guys? Including the other guys and women are there. They're there. They're even within the political parties. But because you do not have a sufficient amount of people who put Nigeria first and who will say that this is the person that can lead us in the direction we want to go in the next four years, then you have those who are businessmen, who are political jobbers, as they say, controlling the primary election process of the parties. If you're spending 30, 40, 50 million just to get in the form and you're spending about half a billion to one billion to get the nomination of a party and the system recognizes that, then there is no way. There's nothing you can tell me. There's no way you're going to perform for the benefit of the people because it's either you want to recoup your money or you have to service those who put the money down for the elections. So the people are there, but Nigerians are not participating. Even general elections, the last one, we had just 25 percent for the presidency. Gubernatorial was even less. So if Nigerians do not participate, especially in partisan politics, then we'll keep churning out whatever those who are like, they've taken it as a business, we'll keep churning out what they want. Well, that sounds very unfortunate, but on that very unfortunate note, I want to say thank you. Chiquiture is a political analyst, Dan Ladikba Johnson is a legal practitioner. Thank you, gentlemen, for being part of the conversation. Well, on that note, I want to thank you all for being part of the show tonight. Tomorrow there's more news, there's more politicking to talk about. I am Mary Anacone. Have a good evening.


Part of the reason I love hypothesis so much is the more that I've learned about teaching and learning and the more I've thought about my own teaching and what I really care about for my students, the more I realize how central the outcome of learning how to read is. I mean, it's the most important goal in my course and any of my courses is that they learn how to read and that they read in a certain way. They read in a certain way. Of course, that means I have to teach them how to read. So in my courses now, learning how to read is the central outcome, which means that it's also the thing I assess the most. But for me in my course, it's actually hypothesis can serve as an assessment tool.


Hey there friends. Thanks for checking in today We're going to do a range comparison with the Mossberg shockwave 590s versus the remington v3 tack 13 both 12 gauge Firearms that hold five plus one two and three-quarter inch loads the shockwave is not new but the 590s is new because they Re-re-engineered the feed system to accept mini shells and that is a very nice advantage with the Mossberg shockwave 590s the remington v3 tack 13 is semi-auto it has the versamax gas system that is very nice holds five plus ones will not accept mini shells but the rate of fire is very fast much faster than a pump action could ever Accomplish so you say well that's not apples and apples well they are both 12 gauge firearms similar raptor style or birds head grip however you want to say it both approximately the same overall length right around 20 I'll put some text in there because it's escaping me here at the range Both in 12 gauge here. We've got a 14.3 inch barrel with the shockwave the v3 has a 13 inch Then ribbed barrel both with beaded front sights both with with forward straps This has a cross bolt safety right there This has one on top of the receiver on each receiver. They're both drilled and tapped for an optic I don't know who would put an optic on a short firearm like this But they're both pretty special in their own way. There are advantages with the v3 tack 13 Now it was selling for around 90 $900 what I meant to say and this has an msrp of 630 So we're looking at a a price increase here if you can find a v3 tack 13 Let me go ahead and shoot them. It's very muddy out here So i'm not going to set them down, but i'll go ahead and fire each of these with bird loads and then some Higher velocity loads and we can check out the differences The musper shockwave 590s as I mentioned has a bead front sight a fixed cylinder bore choke a sling Mount right right there on the cap of the magazine tube corn cob Four end it does have a fixed strap right there raptor style grip Safety on top of the receiver already mentioned that it's pump action. Let's go ahead and take a few shots I think A lot of people love the shockwave But the adaptability of shooting mini shells is a huge advantage here, especially for home defense Now those were regular Seven and a half shot bird loads and I can feel that come back at me. I'm glad it has this strap I do believe that the shockwave bottles are better than the remington tack 14 Not what i'm featuring today, but the tack 14 it holds five shells of two or three quarter inch And it does have the strap there And other than that they're they're very similar honestly other than the capacity and you know the barrel length here is 14.3 They did increase the msrp on this that doesn't mean that's what the stores are going to sell for people were comparing The price they paid Four years ago with the msrp now and that's not a a fair comparison Nice pump action It you know has the re re engineered feed system. Oh get into mini shells We wanted three quarter inch mini shells you could alternate those you could put a heavy load You could put light loads in I did some range tests with that you may want to check it out They are very powerful for a little shell like that and this would hold I believe it was eight or nine So that's pretty good capacity out of a little firearm like this So the shock wave is new and The shock wave is not new but the 590s is with the mini shells By the way, if you get the adapter that you could use with the old shock wave You cannot use two and three quarter inch. This will also Handle three inch magnum loads as well, but you cannot do that this you can do that So that is pretty nice adaptability with the 590s Here we have the remington v3 tack 13 13 inch vent rib barrel I already mentioned has the bead in front sight a barrel clamp right there very beefy A bit heavier and that's because of the gas system now the semi-auto action with diverse support system is Really smooth it offers less recoil than the shock wave or any other pump action as far as I'm concerned Same bird's head grip. I believe Mustburn calls it a raptor style But you've got the charger right there the bolt release the strap right here that is adjustable That is only for control. You don't need it for Pump action. That's for sure and an overall nice firearm now very hard to find these days very hard And it was selling for right around 900 dollars and people were telling me that they're paying over $1100 The rate of fire And the smoothness is where this will shine All right, so as we're the pump action, you're manually feeding the loads. This will feed on its own And it will feed and fire everything everything from the the cheap bird loads, which is in there right now to the high end of well high velocity magnum loads as well as Many self-defense loads. Let's go ahead and take a few shots. It does have a crossbolt safety I like the mosberg position of the safety I think that's really nice on top of the receiver. Let's go ahead and take a few shots All right And what's also pretty interesting that you can't see is that the shockwave shells are here and The v3 tack 13 are way out there. So that you know, it doesn't mean anything. It's just that It it just goes to show you that it's a strong system that that loads these rounds Let's go ahead and get an unloaded weight with these two firearms. Here we have the v3 tack 13 six pounds and two ounces once again unloaded 590s shockwave five pounds six and a quarter ounces it is That gas system that weighs a little bit more what I'm shooting now is seven and a half yoki bird loads They are high velocity loads. I've got five loaded up in the mosberg 590s Let's check out the difference in recoil And perhaps I'll slow down the video a bit And that may give you a better understanding so that was High velocity which did offer more recoil the one time you heard me say ow Was I put it too close to my face and my thumb came right up and hit me right there So I said ow but that is High velocity, let's check out the tack 13. All right rammington tack 13 Let's see the recoil this offers And that's it now It's enough significantly less So that's a great advantage with this the rate of fire is an advantage Overall life is about the same but the advantage that the shockwave has Let alone being a great firearm Which it is is that you could alternate mini shells and you can't do that with This v3 tack 13 There's the mosberg shockwave 590s up top and the rammington v3 tack 13 On the bottom I told you that the overall length was very similar And you could see right on the table that it is here is The charger the bolt release and a closer look at the barrel. I like this very thick and well built Barrel clamp and there's the look at The the birds head grip and then the crossbow safety is Right there. We'll take a look at the other side Not too much to see there Pretty much more the same, but that is the rammington v3 tack 13. It was really in high demand Big time when it was first released a lot of people said it was too expensive But here we've got the mosberg shockwave 590s. All right, it's got a 1.3 inch longer barrel. There's that corn cob Forend with the strap great firearm five plus one And even more with the mini shells And and what's interesting is you could load them up any which way you choose So if you wanted to go with the three inch magnum loads and then a mini shell you could do that Sounds kind of crazy, but you could and adaptability Is nice as well raptor style grip And overall a great firearm. So both these are fine. I'm proud to own them both Actually, I think they're they're both pretty nice. Actually, I think they're both very nice And they both suit a purpose, you know, there's a range comparison not so much To decide which one's better, even though that's what we do It's to decide which one would best fit you and your purposes You know, if you like the mini shells and you feel those would be good for perhaps your wife or even teenage kids Then definitely the mosberg shockwave 590s would be the way to go. But if you like That fast fire and the less recoil Which I guess they both have an advantage with less recoil because mini shells versus port system You know what I'm saying? It's a tough comparison because both these are great and we're matching up Mosberg versus Remington both amazing histories in the shotgun world If you like videos like this, please subscribe and share I always appreciate thumbs up button. Thanks for watching and you guys be safe


This is the David Feldman Radio Network. Great. Steve Forbes is Chairman and Editor-in-Chief of Forbes Media. He is author of the new book, Reviving America, how repealing Obamacare, replacing the tax code, and reforming the Fed will restore hope and prosperity. Thank you for joining us, Steve Forbes. Good to be with you. Have a thank you. I would like to invite you to my Thanksgiving dinner next year.  You're not old enough to be my uncle, but if it's a free lunch, I'm all for it.  You know that I'm a lefty, and there's nothing you're going to say to convince me to vote for a Republican. There's absolutely nothing you can tell me that will change my mind. So at Thanksgiving, if you came and sat with my family, you would be the crazy uncle. And how could that be? How could... Wouldn't my family freak out at the thought of Steve Forbes being the crazy uncle? Is it possible to have a conversation with my family expressing the views of the other side and they're listening to you without demonizing you? Is that even possible anymore? Sure it is. And once they read the book, they'll say, David, you've got to show signs of growth. Here it is. So you'll become the new conservative and the world won't be the same.  Would it be the liberal? Is there ever a liberal who speaks up at your Thanksgiving dinner? Well, I've got a couple of... I've got a son-in-law who is an Obama supporter and we have friends who are. But since we want to have a good time, we've discussed baseball and the Yankees and I guess we shouldn't bring up the Mariners or any other team that they support. So we have a good time. Is it harder now to discuss politics than it was, say, 25 years ago? Well, I think that things are tense now because there is a mood in the country that the economy is not working, that growth is very slow, that over half of the workforce are seeing the standard of living decline, that the world is falling apart and it's the same kind of uncertainty in malaise that we had in the late 70s, early 1980s and these things do turn around. I'm old enough, this is before you were born, to remember the 1960s when the country literally looked like it was falling apart in the late 1968. So we have rough periods but the remarkable thing about this country is we always bounce back. We learn, we make changes, we move forward. I mean, back in the 70s when Japan looked like it was taking over the world, we learn from them in terms of just-in-time inventory management and the like. We're a very versatile, flexible country and while Japan is still stagnating after 20 years, Europe can't get going. It's growth, you need a high-powered microscope to find. China's slowing down. We've demonstrated that when we get a setback, we figure out a way to move forward. It may take time but we always do it. Steve Forbes is the author of a new book called Reviving America, How Repealing Obamacare, Replacing the Tax Code and Reforming the Fed Will Restore Hope and Prosperity. You ran for president twice in 1996 and in the year 2000. I want to ask you about that later but let's talk about the book. We're getting over the worst economic downturn since the Great Depression and you're talking in your book about reforming the Fed which is, I think, 101 years old. What do you mean reforming the Fed? Auditing the Fed? Well, reforming the Fed means fundamentally changing the way it treats the dollar. The recession of 2008-2009, which for most Americans is still continuing, had as its foundation the weakening, deliberate weakening of the dollar by the Fed and the U.S. Treasury Department and this was under a Republican administration. So both sides did some sinning here and whenever you weaken the dollar, you get bad results. You got a false commodity boom, you had a housing boom and then bust and since 2008-2009, the Fed's quantitative easing and zero interest rate policies have been a disaster. Normally after a sharp downturn, the U.S. economy always makes a sharp upturn and then the question becomes, can you sustain it? This time we didn't ever get a sharp upturn. It's stagnant at 2% for six years now and that's a result of the Fed by suppressing interest rates. What it does is makes it, it gums up the credit markets. It's like a rent control, great if you have the apartment and don't mind a lack of maintenance but you're not going to get many more apartments billed if you have a gummed up market. The long and short of what's happened to our credit markets is government has no problem borrowing. It's very cheap rates but small and new businesses and households very different picture. I'll just give you one statistic. In the last five years, growth of credit to the government has grown 37%. Growth of credit to corporations, 32%. Growth of credit to small businesses and households, 6%. When you have that kind of measly growth of credit to small and new businesses which are the big job creators, that's why we have these long periods where we have more businesses closing than opening. That's why job creation has been bad. You look at the labor force participation rate, the worst since the late 70s. Let me go back there for a second. According to the Census Bureau, corporate births have outpaced corporate deaths since Obama took office. That seems to be a fallacy in the Republican Party. Do you buy into that? That's something you hear a lot of the Republicans saying, that more businesses are closing under Obama than opening. According to the Census Bureau, that isn't true. Do you stand by that? Yes. You've had a very small new business creation and you see that in the establishment survey. They have several surveys in terms of just talking about the labor market. You've got one where they do polling among families saying who's working, who isn't. They have another one where they do a census of existing businesses. That's where they often fall behind the curve. In terms of established businesses, job creation overall has been pretty good. New businesses, it's been very volatile and not what you'd normally get in a recovery. That's why you have low labor force participation rates. That's why you have millions of people applying for disability. They're in their 50s. They don't see prospects. They're looking for something to hang on to. It's so hard to talk to the other side because you're a publisher and a writer and there has to be a way for us to agree on what the truth is. Do you find that? In terms of the truth, you look at the surveys. Most Americans feel one, the country's in the wrong direction. Two, most have seen a decline in real wages since 2007, 2008, which is why most Americans feel we're still in a recession. That's why you have the sour anxious mood in the electorate today. People feel they're not moving ahead. Now you have people at the top doing very well. Thanks, you Federal Reserve. You have people who are well educated. They're doing okay most, but for tens of millions of Americans, they're wondering where do I go from here? Is this going to be even worse for my kids? The mood is palpable. You look at the rest of the world, Europe, Latin America, they're even worse. We're only looking good because the others are worse than we are. Let me talk about that because Europe had a double-dip recession after 2009. Many say that is because the European Central Bank raised interest rates twice in 2011 and also because of austerity. So do you think austerity, which I think you're a proponent of fiscal austerity, I would assume. I not assume, I know that for a fact. Do you think the double-dip recession in Europe was caused by austerity and the Central Bank's raising interest rates? Well, in terms of Europe, let's hit the austerity. The austerity is on the private sector and on the public sector, they cut back on public services but you look at the size of most of the public sectors in Europe. In the last six years, hardly any change at all. The austerity hit the most productive sectors of the economy. Moreover, the way they've practiced so-called austerity is the worst way possible. They should be doing structural changes cutting back in the public sector but making sure you have a vibrant private sector. Remember, the private sector produces products and resources and goods. Government doesn't. Government can tax and seize them, redistribute them, but they don't create new products and services. You look at Greece, their tax rates are horrendous. You look at France, their tax rates and regulations are horrendous. One country that's doing okay is Britain where they have made some sensible changes. Sweden has been cutting taxes. They're doing a little better than others. In this country, we have the Federal Reserve coming up the credit markets. Small businesses have a hard time getting expansion money. Just give me one anecdote. A woman in Philadelphia a little over a year ago graduates from Wharton starts a sandwich shop, unique. It's very successful, booming, so she goes to the bank with a partner and says she wants a loan to open another one. She's a Wharton school graduate so she knows balance sheets and cash flows. Positive, profitable from day one. She wants a $300,000 loan. The bank looks at it, looks at the regulators looking over their shoulder and say, we'll give you 60,000. And you see that happening all the time. You saw in the paper the other day that big banks especially, the cost to making a small business loan just ain't worth it anymore. And you have people moving in the market for small businesses, but they're charging 20, 30, 40%. I'm with Steve Forbes, he's chairman and editor of Forbes Media and author of the new book Reviving America, How Repealing Obamacare Replacing the Tax Code and Reforming the Fed Will Restore Hope and Prosperity. The Fed has been giving money to the banks to lend out at a huge margin. Banks should make a huge profit every time they lend money. How culpable are the banks for the tight credit market? The big banks? Not much. They have two things going on. One, what the Fed has ended up doing and this is where economists are still fighting the last war whether they're liberal or conservative is the Fed in effect has borrowed cash from the banks. They create the money, they sell the securities and they in effect have a lot of cash that should be back at the banks. So the banks have these excess reserves that are deposited at the Fed, earns 25 basis points, free money for the banks. But if they make a loan, if they make a loan to a small business, they have to paper that thing six ways to Sunday. In some banks the regulators examine every single loan to make sure it's papered over just exactly right. Are you saying that there's too much regulation? You bet. In terms of the banks, it's very simple in regulating the banks. You have capital requirements. If you mess up, you go down. If you don't, you do fine. But this idea that regulators can run the banks as a backseat driver just does not work. So again, look at the numbers. In terms of small and new business loans, household loans, it's not good. Ironically, if the Fed allowed credit markets to operate, you'd see much better economy. Stable dollars key. Don't need the yo-yo. We're coming up on the end of 2015. In 2009, Steve, did you think you would ever say that the problem with the banks is too much regulation? Do you think in 2008 anybody would have said the banks are being over-regulated? Right before the economy collapsed. Well, let's look at that. If you had had Dodd Frank in 2000 instead of 2009, 2010, you still would have had the disaster of 2008. The origins of it were undermining the integrity of the U.S. dollar. We went through this in the 70s in a different way. And when you do that, you gum up the economy. Look what happens. The Fed decides in the long at the Treasury Department, again, both sides are culpable on this one. They weaken the dollar to supposedly stimulate the economy. When you weaken the dollar, what happens? Existing in hard assets. Oil, between the mid-1980s and early 2000s, averaged a little over $21 a barrel. Suddenly it's at 100. Copper goes up, wheat goes up. All commodities go up. When all commodities go up, something is wrong. And so they undermine the dollar. Money goes into hard assets like housing. We thought the housing prices were going up forever and ever. We saw where that led. And then you get the inevitable crash. And so what you want, you don't want a clock that changes the number of minutes in an hour each day. You want a dollar that's stable in value. A dollar that's either weak or strong is like a watch that's either too slow or too fast and either one is going to do any good. What do you say to people who maintain the dollar is too strong right now? That's why manufacturing is sluggish. Well, again, that's the Fed mucking up. You don't want a too strong dollar or too weak dollar. You want a stable dollar. Just imagine what life would be like if the Fed had his hands on clocks and watches. You have 60 minutes an hour one day, 48 minutes the next, 96 minutes the day after. It would be chaotic. Imagine baking a cake. It says bake the batter 30 minutes. You have to figure out of those nominal minutes, inflation adjusted minutes. Are they in New York minute, California minute, Mexican minute? Well, it would be nuts. But that's what they do. What they don't realize is that money in and of itself has no value. Money is not wealth. Money measures wealth. And you're saying to go and you're saying we need to go back to the gold standard which I believe. A gold standard. Not the Richard Nixon took us off the gold standard.  Yeah, okay. What is the difference between the gold standard and a gold standard and you have different variations of the one we had since World War two. Individuals couldn't go to the government exchange dollars for gold. Only governments could under what they call the classical gold standard. We explain this in the book. Individuals could do it. They have variation just as with democratic systems. Our system is very different from Canada's. Our system's very different from Britain. Britain's different from France. You have variations. The key thing in democracies is you have the consent of the governed, even though you may have a parliamentary system, a federal system, combinations of both. In terms of a gold standard, what you want is a stable value for the dollar. The particulars can vary and have throughout history. It's very complicated. It's very simple. Think of a clock. Think of 12 inches in a foot. You don't want that changing. So you don't want the dollar changing in value. The dollar is like a claim check. Coat check. You check your coat at the restaurant. Coat check has no value, but you have a claim on your coat. Money is a claim on products and services and it works when people trust it. But in and of itself it has no value. But it measures value. Like a scale measures weight. So are you opposed to any inflation whatsoever? Or is the inflation linked? Let's look at what inflation is. It's deliberately trying to raise prices. So Janet Yellen yaps about wanting 2% inflation. Take the typical American family making $50,000 a year. That means she wants that family's costs to go up $1,000 a year. That's a virtually a tax increase. Who gave her and the fed the authority to increase the cost of living on a family $1,000 a year? Remember, inflation is a tax. So why would you want to tax people? What you want is like saying, gee, if we change the number of ounces we could solve the obesity problem. Again, money is like a ruler. It's a measure. The idea that you can stimulate the economy by say a restaurant or say a restaurant can stimulate its business by creating more coat checks because that would stimulate the production of more coats. Therefore you'd have more customers. You say that's nuts. That's what they're doing with the economy. For my listeners, would you say the biggest difference between you and me? Well, obviously there are a lot. You're more concerned about keeping inflation rates down and I'm more... In terms of prices I just want a stable dollar. Now some prices may go up if everyone decides they want apples in the morning. Prices will go down with high technology. You take a widescreen TV 10 years ago it cost you $15,000. Today it's several hundred dollars. To me that's productivity not deflation. So prices go up and down according to supply, demand and productivity. I just want a stable measure of money. Let me finish my question. Would you say the biggest difference between East Coast Republicans and East Coast Democrats is the East Coast Republicans are more concerned about inflation and the East Coast Democrats are more concerned about unemployment. In other words, I get up every morning and I ask, is America working? And you get up every morning and say how stable is the dollar? Is that a fair statement? No, that trap is called the Phillips Curve. It's by an after an Australian economist who posited even though it's been disproven that if you want lower unemployment you have to have inflation and if you want lower inflation you have to have higher unemployment. That hypothesis is absolutely false even though the Fed adheres to it in the face of all evidence. I know from experience that if you have a stable dollar and a sensible tax code people prosper. If you have an unstable dollar and a crazy tax code which we have today people suffer. We should have learned that from history but some economists and the policymakers don't understand Richard Nixon. Okay. Carly Fiorina is talking about I believe a three-page tax code echoes of your flat tax? Yeah, she hasn't released the particulars of what's on those three pages. I want to see those. Ted Cruz has a variation of a flat tax out there. So does Rand Paul, so does Santorum. Dr. Carson talks about it. I haven't seen the particulars yet. But what I find encouraging is that all the Republican candidates want to radically simplify the tax code and lower tax rates.  It attacks you if you work. You pay a tax to work. It's called the income tax. If you make a profit you pay a tax. That's called a tax in success. An experience shows when you have low rates and have a simplified code you get more prosperity. Let me just give you a couple of numbers to show how crazy and destructive this tax code is. The IRS estimates we spent six billion hours a year filling out tax forms. Experts estimate we spent $300 billion a year complying with this crazy code. Just go over a generation. Tens of billions of hours, trillions of dollars, immense brain power wasted complying with hideously complex tax code. Imagine if those resources the time and the brain power have been applied to creating new products and services, new medical devices, new cures for diseases, how much better our life would be. So it's not just GDP with this tax code. It takes brain power and misdirects it to a dead-end activity instead of making our lives better.  It's immoral. Steve Forbes is the author of the new book Reviving America How Repealing Obamacare Replacing the Tax Code and Reforming the Fed Will Restore Hope and Prosperity Repealing Obamacare You talk about private savings accounts. Health savings account. Where Americans will save their own money and invest it wisely. So when they get sick... Well, an HSA Health Savings Accounts People in the workforce have them now. They're growing. What it does is the employer puts money in an IRA-like account. Employee can, too. And it grows tax-free. You're going to earn interest on it. And it's to cover routine expenses. Then you have a catastrophic policy that covers the big hits, like an accident or heart disease and the like. And that way the patient gets to control. One of the big problems with healthcare is it's all third-party pay. Whether it's government, insurance companies, employers, and patients aren't in control. And the proof of it is, if you go to a hospital or clinic and you ask in advance of the treatment what it costs, you get a very strange look. It means one of two things. Either you're uninsured or you're crazy. Why would you want to know the price? Because with anything else you want to know the price. So one of the reforms we propose in this book is that healthcare require that providers, particularly hospitals and clinics, post their prices online like hotels and airlines do. So you can see if hospital A charts 2,000 for an MRI and hospital B 750, you can see and you'll be shocked at how grossly inflated a lot of prices are. And when you start to get consumerism in the healthcare market and sensible safety nets you learn what looks like a hopeless liability into the most dynamic growth industry ever. Healthcare is personal.  So let me get back to private savings accounts if you don't mind. This is the problem with the dialogue at Thanksgiving and the problem that we have on Sunday chat shows is your side and my side really are good at just plowing ahead and making it impossible for me to say past the gravy oh and by the way stop for a second let me ask you some questions here. Private savings account private savings account.  Well health savings accounts most of them unless you specifically want something else and an employer will let you do it most health savings accounts go into a bank account once upon a time you could earn an interest on that now you earn one or two basis points but that's risk free. Setting money aside you can let it accumulate or you can but isn't it you're not investing this is not like it's IRA like in the sense that employer employees can put money in it but in terms of stock market no they're not IRA they're not an IRA in terms of stock market isn't there a problem in terms of investing aren't most Americans incapable of figuring out all these investment vehicles if one out of five money managers can't outperform the S&P 500 why would I expect somebody a single mom working 15 hours a day to figure out how to properly invest the most important money she has you got two things here on HSA's the money is in the savings account those are health savings accounts health savings accounts so that that's not a problem in terms of IRAs in terms of retirement accounts is a very simple thing you should do if you don't have time to do you know babysit your own money and that is put it in a low cost index fund from Vanguard Fidelity and the like and just let it grow you don't have to worry about it and that's what you do and you'll do fine over your working life Steve Forbes anything that is the greatest thing that your side has ever said Mr. Bogle the creator of the Vanguard fund the only place you should put your money is in a Vanguard index fund thank you for saying that that is it infuriates me that there are more mutual funds out there than there are stocks well in my previous book called money we have a section on what you should do with your money and the motions are your biggest enemy in investing everyone says they're a long term investor and they are until the market goes down then they want to get out and the problem is people get giddy when things are going well they get depressed when things in the market go poorly so they get whipsawed so we recommend that on retirement money you and again unless you have a particular situation or you've got the time to really write is a go with an index fund or a couple of index funds for bonds and the like but isn't the danger of an HSA that Wall Street will salivate over all that cash that's sitting in those HSAs and try to lure people into investment vehicles that are dangerous isn't there a real danger to that no for for that kind of thing for medical money no unless you're using it in an IRA and some handful of people might but most people want it like a checking account okay let's get back to by the way thank you so much for saying that about index funds because mutual funds are one of the biggest scams going in America I think most mutual funds are disgraceful and they're fraudulent but that's my opinion not yours let me get back to Obamacare my side the Democrats the Liberals the people who are correct will say this to you Steve Forbes the only religion in Great Britain is socialized medicine the Canadians cannot believe our health care how fraudulent it is it is axiomatic on my side that we need universal health insurance that the insurance industry is the problem and that you cannot be a consumer when it comes to your health because when you're sick not just going to you know in your book you talk about yes the emergency room nobody shops around when they're going to an emergency room but you say in the book that people should be able to shop for doctors like they shop for cell phones but the fact is medicine is so Byzantine and so complicated how are we supposed to figure out who the best doctor is that there are some things where you just can't be a consumer and you need the government to help let assume the government knows more about medicine than everyone else and that's just preposterously false in terms of docs that's why we propose hospitals post hospitals post and how many people died of infections contacted at the hospital because a lot of them don't practice basic measures in terms of making sure you don't get those diseases you go in for knee replacement and end up dying of sepsis and in terms of buying your own insurance you should be able to buy what you think you need to say that consumers are too stupid to do things on health like saying they're too dumb to buy electronic devices and the like one of the things Steve Forbes is the author of Reviving America let me stop you for one second I'm not saying consumers are too stupid I'm saying that the people selling some of these things are too forgiven and too manipulative you know when you're sick or if you have a sick relative the insurance companies are much better at wearing you down and waiting till you die that doesn't mean you're stupid it means you're weak and you need to be protected it's like you need a police officer to protect you from criminals don't you think the insurance industry is almost criminal in their behavior these days no I think they're responding to a crazy system and that goes to Obamacare where they took the previous system which was we pointed out in the book had a lot of problems and long term was unsustainable and the double down an employer provided third party system if the patient is not in charge of health care dollars the patient is going to get in the back of the line and we point out there are women and small things no the crummiest motel in the world wouldn't dare put you in a room with another person with a curtain separating it like hospitals do no crummy motel would give you a robe the routine would do it hospitals would look like they're cast off from the Salvation Army and it goes beyond that you go to a hospital today you're shunted from one specialist to another and because you're not the customer when you're the customer as we've seen with lasik surgery cosmetic surgery by golly you get a very you get more productivity more for your money they know you're writing the checks so they respond to you so you got to put the patient in charge and we've got proposals in there including nationwide shopping for insurance so you get hundreds competing for your business instead of a handful of oligarchs in each state and free markets when allowed to work always turns scarcity into abundance and in health care one final thing on health care more basic than health care is food and while governments involve in agriculture it doesn't run agriculture if it did we have no more obesity it would all be starving that's what they did in Russia and China in the old days but you have effective safety nets of people can't get food you have everything from food banks to food stamps to deal with it why in the world can't we get the same thing in health care real entrepreneurship patient control and rational safety nets then we get the best of all worlds well the agriculture bill that comes up every five years to me shows that the government does control our food in this country they give subsidies to those who have the power which is wrong but farmers are allowed to do what they want in terms of what they grow and the productivity is legendary the problem today some say is that we eat too much not too little well but I you know this is why thanks but the government doesn't try to run a farm that doesn't have a socialized system well the ag bill makes it I'm not defending the ag bill I would get rid of it but I mean but that's a big bill that kind of dictates didn't go over well in Iowa and I ran on that were you for against and all? I was against it I can tell you you pay a price for it yeah I mean but the government does control what we eat the dairy subsidies that's why we have so much cheese in our diet and that's why Americans are getting so then you're making the argument government mucks up agriculture then why do you want government more involved in health care? well if the government enforced laws and allowed the small farmer to come back we would have more locally grown food but instead it's all these agri-combines and that's because the justice department is asleep at the switch they should be breaking up these big combines government's politics government sticks to what is there and entrepreneurship is about creating the unseen and what people can't imagine and you mentioned the Medicare earlier the problem with Medicare isn't providing a safety net for elderly people it's the fact that you don't get innovation the way you should let me ask you about the VA which okay this is what my side says and I want to hear your response the VA used to be a shining example of government run health care and then there were the bush cuts and it turned into a disaster about five years ago but before the cuts that your side is responsible the VA was a shining example of government run health care Medicare if you pull most Americans they'll say get your hands off my Medicare Medicare the highest salary at Medicare something like $200,000 the guy who runs United Health Care makes $35 million it's been pointed out that these health insurance companies spend something like 25 to 30% of their budget on bureaucracy whereas Medicare spends something like below 2% on bureaucracy you know your side states it's axiomatic that big business is more efficient than government isn't it true that Medicare is run more efficiently than any health insurance company no what Medicare shows I'll tell you why and by the way the health insurance system we have now with this third party pay system without the patient in control Medicare looks efficient because it does not try to ferret out fraud or claims and up to 90 billion a year of Medicare payments are fraudulent or not done right and because they don't police it and the reason they don't is because of politics they don't want calls from members of congress saying why didn't you do this why did you do that so they say yes to everything then after the fact they try to ferret out the fraud one of the changes we propose in the book is that those who receive Medicare payments must be each year listed how much they got from Medicare so some doctors collecting $20 million a year for a back surgery and he only opens his office once a month you know you've got a problem and you'll have local newspapers asking questions why so much money going here what are you doing to deserve those payments and so that's that's what I think is with Medicare Steve Forbes is chairman and editor-in-chief of Forbes Media he is author of the new book Reviving America how repealing Obamacare replacing the tax code and reforming the Fed will restore hope and prosperity thank you for joining us Steve Forbes I'd love to continue this either soon or next month would be great thank you thank you so much this is the David Feldman Radio Network


Dear student, as we have discussed about the data, we have discussed about the model specifically in case of Nigerian economy, in which they have like checked the impact of bank lending on economic growth of the Nigeria. And they have justified why they are going to check the impact on Nigerian economy. And in the same pattern, you can like apply the same model, same methodology, even same philosophy on different economies and check whether the finance lead growth is applicable or not. Export lead growth, you can apply it, you can import lead growth, investment lead growth, you can apply it. Now, by applying any type of technique, you can see whether it is workable or not. In the same technique, you have some like estimations that we have estimated in as you know in your time series, you have the idea of unit truth, you have the idea of EDF, DF's idea of cointegration, Angel Granger's idea of how to apply all these things. In the same pattern, when you are going to apply the like SOAR model, there are some like estimation technique in which some are like unit truth and cross correlation and VIF for multicollinearity. We have discussed in the paper and I want to share with you the research paper section on estimation techniques. Dear student, this is your research paper and in section 5, they have the like techniques for the test of unit truth. And you know that this is augmented, EDF augmented Dickey Fuller unit truth test was performed on the variable of study or us may you have the idea of our GDP for agriculture, real GDP for industry and all the five sectors. The result on table 2 shows absolute value of the variable computed EDF test greater than one. Whether the variable is I0 integrated of order 0 or integrated of order 1 or integrated of order 2, EDF will tell and second one is test for cross sectional correlation. What cross sectional correlation important, like if you are going to check the correlation and there is like no correlation in all the like equation, then the OLS is the best match. How I in Zellner 68 was shown that when the error term are correlated across equation, the equation are related our joint estimation rather than equation by equation estimation, then the best for that is the Bruce Pagan test of independent OLS estimation and the cross correlation, the concluding remarks are that the cross correlation shows high correlation coefficient of residual among the equation across the sectors. This has concluded that on the basis of cross correlation, there is high correlation coefficient of the residual among the equation across the sector which indicate that the sur estimation is more appropriate than the OLS equation by equation procedure. Then to check the multicollinearity, they have applied VIF which is variant inflation factor and you know it's acceptable range and 10 is the basically threshold level and threshold level say agar value chhoti hoti hai, it means there is no problem of multicollinearity and in this model the VIF value is only 5.32 which is less than 10 which shows that yes there is no multicollinearity in the model. So aap in saare test ko aap apply karkit chek kar sakta hai that whether aapki estimation reliable hai jaat nahi hai.


Good morning everybody. It's Sunday morning November 7th. It's about 7 20 a.m. We're up having our coffee of course packing our bags We leave today, but I Just needed to come out here and show you all the view we get to wake up to all weekend Okay, so while Bob finds some music to listen to on their ride home. We've got an hour and a half Anyway, we've got an hour and a half or two hour ride home He's looking for a playlist to listen to we are going to head home. It's been a great weekend But now we need to get home and do stuff at home. And yes, do you see how poofy my hair is? Yeah, it likes the beach evidently. It just goes crazy. All right, I'll be back morning everybody So it is 10 36 a.m. Monday, November 8th. I Just got the vlog edited from last week and it is rendering right now And then I will get it loaded and scheduled to YouTube. I am going to be doing working on some drawing and a couple of other things and You know, I was prepped to film some journaling this week and then I came home from the trip and my Looks like that. So I got a clean that first. I did all the Okay, guys, it is 3 20 p.m. still Monday got out all the Computer work done that needed to be done today. It's all done all that video editing and writing and posting and all that stuff I Then made some new bag charms that have this habit of whether it's my handbag or my backpack or my drawing bag I like to have some sort of bell charm thing hanging off my bag kids Love it when I'm out in public. They want to know if I know Santa Claus Whether you believe in the sound of the bells chasing away the evil spirits and negative energy or not I just enjoy the sound And so anyway, I made some new ones. I'll put the picture here and Took some off of another bag that I had that I'm not using right now. I did order a couple more bags I'm on the hunt for as always the perfect drawing bag For my daily drawing supplies, this one is just this one works But it's just a little bit too small and I'd really love to get all of my daily drawing stuff in one bag Which includes my gel pens.  We'll see if they work if they work. I'll let you know I'm constantly on the hunt. I really don't want to make one. I hate making bags to be fair, honestly anyway If they don't work, I'm gonna return them. I'm not keeping bags that don't work Uh, anyway, all right, that's it for the minute. I am going to respond to a message from Leslie I'm gonna do some drawing. I've got another picture here that I took at the beach of some fuchsias My dad's mom's favorite plant. She had a giant fuchsia plant in her at the in the backyard of her old house And uh, as kids used to love going over there and popping them We were getting so much trouble for popping the flowers open She'd come out there and yell at us in Italian. I don't know what she said, but yeah Anyway, we'd want to run away smirking Anyway, all right, so I'm gonna do my practice and I will be back morning guys it is clock says 9 52 that means it's 8 52 a.m Tuesday November 9th. I think I hear is doing weird things again But anyway It's you know normal these days. I don't know anyhow.  Obviously I'm in the car good and stuff. So I'm gonna go run a few errands. I've got to check the peel box All of that wonderful goodness. So we are going to go get that done Hopefully my little thing is in the car here somewhere In case any of the patreon now comes back But we just got back from a road trip. So I don't know exactly where it went to Hopefully it's in the back seat. I don't see it, but you know All right, I'll be back one is a new art bags I ordered came in And I have two more coming on thursday Another one that's like the one that I just got only a different color and then a one that's smaller I'm not sure the smaller one's gonna work It might we'll see but I don't think so um It might work for my stitching my downstairs stitching stuff, which isn't very much anyway um I'm gonna try the bags for a few days these are downstairs drawing bags and downstairs art bags and Having everything in one big bag was too much and the bag was too heavy And sometimes I just want to work on a little bit of drawing or a little bit of the collage or stitching And I just want to have just that out And I don't want to have stuff on the couch all the time and then have to move it when company comes over So anyway Husband's holding the flashlight. So I'm not in the dark anyway We're out getting steps in despite the rain It we had a little bit of a break. So we decided to get some steps in and now it's starting to dump again But we're determined hashtag don't be my mother All right, I'm gonna put my phone away because what water and iPhones don't mix I'll be back. Hey guys. So I got the two videos filmed that I needed to get filmed today I got a bunch of stuff cleaned and reorganized including in the big closet again. You saw a clip of that Um, I got some more downstairs drawing art stuff sorted. Hold on garbage on the floor, okay I also took the wheels off of my art table legs Down there To be honest, I got tired of the table jiggling a little bit And I thought that maybe the casters were bending a little bit. They may not have been but They just yeah, anyway, it does make the table about two or three inches lower Um, but I think I'm okay with that and you know what? Yeah, I think I'm okay with that. I could lower the chair just a little bit Um Then my feet actually might hit the floor That might be a novel idea All right So, yeah, I got the message journal or filmed. I got uh rc trio filmed I'm just watching some youtube up here while I'm just relaxing now Kind of trying to figure out if there's anything else up here I need to do I think I need to upload some more video to the new channel Yeah, so I guess let's get it done. I'll be back Last week's but the beach house that we were staying at Across the street from it On the ocean side of the street a house was torn down. I don't know why I'm going to assume There were some erosion issues because it's on that side of the street Right by where the tide comes in. Anyway, there was a Loose shingle just laying there Yeah, I brought it home. I'm gonna paint a seascape on it So I got that Gessoed I got some clear gesso on it and after I get it painted I'll varnish the whole thing lighting's kind of weird. Sorry. I'm wearing my bedroom Uh, yeah So I got that done Cool. Mr. Coyote was back last night if you're watching this clip you've seen that clip um Yeah, I don't know. I guess we have a new protector around the house I don't know. I did tell the neighbors they have two cute little girls um That play outside a lot and I told I warned them that Yeah, we've got a coyote in the neighborhood. They need to not leave the girls unattended. So Any which they shouldn't anyway because they're too young, but anyway Right, that's it for the minute. I'm gonna watch general hospital. I think While bob finishes up with work for the day and then we'll go for a walk What am I gonna have for dinner? I don't know because I'm at a tomatoes and cucumber and I forgot to get him This is a story yesterday. So I'll be back. Other than filming me painting some have I vlogged yet today? I don't think so. I think I forgot. It's 4 21 p.m Thursday, November 11th. Yes p.m. Sorry Anyway, I spent the day working on the new youtube channel and some art projects editing a couple videos that Some of which are for both channels and getting things scheduled and I have another rc trio video coming out with bae and mike deacon and I got that Up and scheduled and the facebook posts for the group scheduled and everything I got You saw me doing some painting on this this old shingle that I found near the beach when we were at the beach I got a seascape done on it. How cool is that? I love the way that turned out And then I finally finished this little canvas that I've been working on like an abstracted pond situation Didn't know that was going where that was where that was going when I started it um, I did get some Kind of funny blurry One at one is less blurry than the other two. Um night time Ocean photos see shore photos So this is the one that's less blurry Oops, I'll put some still images Right about Like here of that one Okay Then next we have two that look like the same photo, but they're not And they're pretty blurry I'll put them right here I am thinking of You know using this as a happy accident for another painting again, I Was getting ready to shut things down for the day and I turned all the lights off Um, okay, so I have this big canvas here that I just took out. It's 24 by 24 inches or 60.9 centimeters squared and I think I'm going to use these And uh, I mean now that we're under a little bit better light. Look at the colors in that even though it's blurry How fun would it be to do an abstracted? seaside Painting from that, I mean, I think I need to like have those added to my bulletin board of inspiration photos, which is Lives right here. This is what I paint from and so Yeah, I think that's going to be a thing um, and the pond picture started out with this sort of roadway ocean inspiration Went in a direction. I didn't think but the again, these are just inspiration photos that I take They're not intended to be exact representations of the finished work ever So I'm glad it took on its own life and went an interesting place. But yeah, it's pretty funny. All right I'm going to rearrange my bulletin board. I think I'll be back. I wonder if there's any other photos I took that weekend or another weekend. I could stick there Let's look. Good morning, everybody. It is Friday morning, November 12th Like 8 30 ish am 8 23 something like that.  So anyway, bob has the day off today. So we're going to try to do that Of course, we are in the middle of another atmospheric river So that's going to be fun Yeah Anyway, we're going to try to get it done this morning He's taken a shower now that hum you hear in the background is actually the bathroom found downstairs um We're going to try to get that done this morning so that I'm trying to do two things at once. It's not working We're going to try to get it done this morning because we're puppy sitting lily For the weekend for the kids and so She's going to be dropped off at about noon And while they can drop her off and we're not here because they can create her It's just a little bit better if we are home. So We're going to try to be home or be back shortly thereafter So, yeah, Mr. Mann needs to take a shower and get his stuff together and All that meanwhile, I'm still trying to figure out a nice way to comfortably store my downstairs drawing bags in a handy way to keep them accessible and yet looking pretty and I'm happy with the bags not happy with the way they're stored downstairs. So, yeah Anyway, I'll be back my vlog yet today. Did I say what day it was? It's Friday, November 12th Anyway, we went and paid our taxes Property taxes we Popped into the grocery store real quick and got a few more things that I didn't get on Tuesday because I didn't know We needed them We picked up the grand dog just because that would be easier for everybody and we were right around the corner And yes, it's raining Not super hard yet, but yeah, so anyway, we've got the umbrellas out and we're taking her for a walk before lunch Because we picked her up and oh my god.  Anyway, we thought we'd burn some energy off before we sit on the couch and have lunch So we're gonna go do that and I'll be back So much water Wow Goes all the way over there Like it's gonna be a lake soon Like it's over here.  That's right by our house Yeah Time to go inside everybody. It's Saturday morning, November 13th, 9 52 a.m We are taking nutball aka crazy pants Grand dog lily for a walk. I have an etsy order to pop up into the mail Uh, I'm gonna wear my elastic brace on my knee all day today and I've got my other brace. I wear one I'm go walking over it Took a couple of Tylenol to help reduce the swelling and inflammation because as I said in a previous vlog, I've aggravated my torn meniscus again and We really don't want to have another cortisol if I don't have to so Anyway Doing everything else that we can So Yeah When we get back, I will put my knee up and I will do some drawing. I didn't do any of yesterday's daily practice so I need to catch up on a bunch of drawing and I can just put my knee up while I do that So it feels actually okay right now. It doesn't feel too bad. The two braces of course help So anyway, but I'm going to go aggravate the crap out of it Lily's trying to figure out how she can drink out of the creek. I really think that's a bad idea Anyway, we're going to go walk down to the park Which is next to the toaliton river Is that what it is? Yeah, and we're going to go see how full it is. I'm betting pretty full so I'll get you some footage I'll be back when we're by the river Next door where this hot park is flooded Yeah, this looks a little muddy over here in places, but yeah the grass I bet has really good drainage Okay. Wow. This is really full A dock Of which there is one down there somewhere Is underwater I don't know if you all watched any of my Vlogs over the summer But this is significantly more full than it was Yeah, it's it's a good six to eight feet higher at least. Yeah Lily no grass Guys it is what time is it? 7 40 p.m. 7 40 saturday november 13th, right? Yeah, tomorrow's my sister Karen's birthday, so we'll be wishing her all a happy birthday In the next vlog um Anyway Uh The ring keeps going off today It doesn't seem to be our friend Wiley Coyote Or our other new friend peppy lapu. If you're watching this clip, you've seen that clip. Yes Um, it seems to be our friend's the trash panda family Um We don't know where they're going We never get out the front door quick enough to figure out what they're after they're very quick Yep, um, but yeah, they just walked across across the camera again And lily of course had to go check and see what it was because we're babysitting puppy sitting the dog Yeah, I don't know. Anyway, keeps her busy. Come here. Why are you? Why are you? Lily?  There she is There's crazy pants. There she is. There she is So anyway, all three of us hope you all have had a good week that you continue to have a good week next week um If you have questions comments or concerns Leave them down below check out the video description for a whole bunch of relevant things if there is any and ways to support The free content here on youtube along with my page which includes patreon and my eti shop and all that stuff So anyway, check it out Go out and have a great day. Have a great week. Do something nice for yourself because you deserve it We're going to clean up the dinner dishes and finish watching our movie No, no, yeah, not him. I'm going to do the dishes red notice So we're watching we're watching red notice. It's on the place. I got mixed reviews Anyway We're going to finish the movie. I'll see you next week. Bye guys


May 40 here. Hanging out at Kutty Beach. And I love everyone. I particularly love Yadov. Now Kanye West, very good. So yeah, springtime for 40 means atmospheric rivers and the winter of flooding in the Los Angeles. And it's the winter of discontent for the Yadov crowd. I mean, Kanye West came. Kanye West went. He just graced us with his presence for one of our two weeks. He quickly disappeared. So springtime for 40 means the winter of deep discontent for the Yadov crowd. And I noticed a lot of people these days. They love to play commandant and slave gov.  I got a final solution for your patchments. That's no way to have a relationship, right? That's not how I have a relationship with my audience. Now I like to think of myself as the gentle shepherd. And gently leading people to the higher ground of radical love and inclusion. I'm not going blitzkrieg on anyone. I'm not setting my pens as loose. That kind of top down, dominating relationship is just not healthy.  This is the time of the gentle shepherd.


forget to subscribe. For today's video, I'm going to be doing my summertime wash and go. This is officially the summer season and I am really excited to do a wash and go. That's going to be my thing all summer long are wash and goes. Wash and goes and summertime go hand in hand for me. They're just quick and easy and just simple and I don't have to do a lot of manipulating with my hair. I'm going to be using two products that I found go really really great together. One is from TJN and the other one is from Uncle Funky's daughter. So when I discovered that these two products work well together, I have been using this combination for the last few weeks. These two products combined have helped me to achieve moisture, shine and great curl definition. Ever since I've combined these two products, I've noticed that my hair has not been crunchy. I have not experienced any flakes or residue and this is days and weeks later of having these products left in my hair. These products have left my hair pillow, soft, lightweight, airy, moisturized and shiny. So let me show you the two products I'm speaking of. The first product is from Uncle Funky's daughter Curly Magic Curl Stimulator. This product is made for taming frizz while defining, elongating and nourishing your curls. It's fortified with aloe vera, horsetail and nettle to strengthen hair and stimulate growth and provide shine. And the marshmallow extract prevents dry scalp and it provides really great slip. There are two things I love about this product. One in particular is the slip that it has. This stuff has amazing slip. So if you have dry hair, if your hair is hard to manage when it's when it's time to style, this is a great one to use to get through those tangles and knots. And I also love the fact that it has very clean ingredients. Now I've seen a lot of reviews of this product and they've been all really great reviews. So I had to give it a try and I'm glad that I got my hands on it. So I'm really impressed. I really love it and it will stay in my natural hair stash. The next product I'll be using for my wash and go will be from TGIN, their honey and whip hydrating mousse with raw honey and agave nectar. This is a lightweight mousse that eliminates frizz and gives brilliant shine and definition. What I also love most about these two products is I can get several wash and goes out of these products and also I can get a good wet look out of these products. So being that these products don't build up in my hair and create a lot of residue, I can just simply reactivate the products and get another wash and go look. And when it dries, I can get a really great wet look. Now if you don't know what a wet look is, it's basically the illusion of your hair looking wet when it's in a dry state. Basically a high shine. And of course if your hair is really dark or black, it looks more realistic. It looks more believable. So my hair is over here drip drip dripping. So off camera, I've already washed my hair using products from Giovanni. This is the 50 50 balance hydrating clarifying shampoo and I also had the conditioner. So my hair is already nice, nicely cleansed and wash and ready for this washing go because I always love to do my washing goes on fresh clean hair, never dirty hair. But once it's fully dry, I'm just going to go in with my stout factor edge booster. And I'm just going to go in and slick down my edges to complete the final look. So all I'm going to do, so all I'm going to do is start with the foam first. I'm going to work it in generously through my hair. And then I'm going to comb it through with my wide tooth comb. Once I get that comb done really well, I'm going to go on with the jail. And then I'm going to brush that in with my demon brush and just to find my curls. So let's go ahead and jump right into this thing before I lose any more lighting. So without further ado, let's get started. Pretty much it. Now once this dries, like I said, it does create this wet look, but I'm not going to do this on camera today because I just don't have the time to wait until my hair is fully dry because I'm not going to sit up on the dry the whole time and just let this air dry. I'll come back on camera just to show you my edges and that's pretty much it. But this is just a wash and go for now. I'm just getting over here where you can see a little bit better, just the sleekness, never mind the greasy face. Let's see the edges nice and slick. Let me show you this in the bathroom because the lighting in here is just getting bad and I'm not trying to move towards the window and reset up my equipment. So let's take it to the bathroom. Alright now check out the curl definition. You all see on ripples? These are super defined, but again I don't want to touch it too much because I don't want to mess it up and cause any frizz. Just going to keep it kind of took behind my ear, but it's definitely got some really great curl definition. So I have my hair sleek back as slick as I can get it, but once it's 100% dry I'm just going to take a pic and I'm just going to lift up my roots gently just for a little bit more volume. But other than that I'm just going to leave it as is. I don't want to touch it too much because I don't want to create frizz and I do want to keep that definition that I have. So I hope you guys enjoyed watching my summertime wash and go. If you did don't forget to like comment and subscribe. It's just Janine and I will see you on the next video. Bye guys!