Personal finance Excel practice problem estimate affordable home purchase price part number one Prepare to get financially fit by practicing personal finance Here we are in our Excel worksheet if you don't have access to the Excel worksheet That's okay because we'll basically build this from scratch here. If you do have access There's three tabs down below an example tab a practice tab and a blank tab the example tab in essence being an answer key Let's take a look at it now We have the information on the left-hand side. We're going to use that to build our tables on the right-hand side We're going to start at our gross income and think from the perspective of a financial Institution using a rate to try to determine how much loan we might be able to get based in part or in principle part on Our monthly income now This is just kind of an estimate You would want to be looking at your financial institutions to see what conventions They might use to do a similar calculation if you're working out estimates for how much loan you might be able to get Once you've determined how much loan you might be able to get you can take into consideration the down payment You might have to make to think about what the price of the home will be so you can kind of start from there And go up to the price of the home Notice this is also a little bit different than you might think about what you can afford in terms of monthly payments Which you might calculate by actually doing a monthly income statement Because to make the bank might use some different Conventions than you might use when you're basically doing your monthly budgeting And when you're thinking about how much loan you might be able to get you want to use the conventions of the financial Institutions make sure to talk to the financial institutions to understand the conventions that they will use to require down payments and so on So that you can you could start to estimate this stuff But the bot the idea would be we start with the income and then we try to get to the amount of the home Price that we might be able to afford So the second tab is going to be the practice tab and that's going to have some pre-formatted cells on the right hand side Which will be a little bit less work for actually formatting the cells And so you can use that tab if you would like but we're going to go to the blank tab Which has just this information on the left hand side and will build everything else from scratch So this is just a scratch that we have And we're going to build everything from it if you have a blank worksheet You might want to format the whole worksheet I would start by formatting the whole worksheet and then adding this information so that you can have your data up top And then you could build it from there My starting format just so you can see it here I usually format my cells usually that are at currency brackets And then I remove the dollar sign And then if I need to add decimals, then I'll add decimals if I need to make some a percent Then I'll make it a percent. That's my starting point oftentimes All right, so then here we go. Let's build our table. We're going to be thinking about the affordable monthly mortgage payment So that's going to be our first header. Let's put that up on the header here. I'm going to say affordable monthly mortgage payment And so then I'm going to make this a little bit wider I don't have to make this cell As wide as the whole header because I'm going to have at least two columns probably where I calculate So I've got to make it at least like this wide So that these two columns will cover the end That's kind of my thought process on it And then I'll make this into a header format by selecting those three cells And I make my header format going to the home tab font group hit the bucket drop down I'll make it black and then the text white So that it'll be distinct from from the header from the rest of the stuff So now we're going to look at the monthly gross income we can spend so month So we're going to say monthly gross income we can spend I'm going to hit brackets that that means that I'm going to have a sub calculation I'm going to pull this to the inside for this calculation. I'm going to look first at our Our monthly gross income the 3,500 so I'm going to pick up the 3,500 And then we're going to say that we're going to multiply that times But sometimes the banks you might hear this term the PITI the principal interest tax and insurance Rate these these are rates you want to these are kind of calculations that you'd want to again talk to your financial institution About to see how they're going to be giving you the general calculation so you can run some estimates on this With the current the current regulations out there So I'm going to pull that over now. That's a really long thing So I could pull this over to the to the right. I'm not going to I'm going to type over it a little bit Otherwise, that's just way too long So I'm going to put my cursor here and I'm going to say this equals The 38 you can also abbreviate it. You might just put the PITI which is probably the better thing to do I might just put the PITI rate maybe Rate and then I don't have to make this so long. I can make that a little shorter And so I picked up that rate. So now I got to make it a percent so I could see it home tab Number group making it a percent and then I'm going to underline it font group and underline So then I'm going to put this to the outside. So I'm going to copy this So I said what I'm going to do with a colon I pulled it to the inside and now I'm going to remove This at the end of colon and I'm going to put this on the outside and then this is what we did So now we're doing what we said we were going to do So we're going to say this times this And that'll give us the monthly gross income So So now you can kind of see what they're doing Let's do some indentations before I discuss it here a little going to go I'm going to highlight these home tab alignment indent. I'm going to put my cursor here. Let's spell it right Let's spell it at least more writer. I'm spelling it writer than it was It's more writer than it was before I feel like So let's let's then indent this one again. So there we have it So you can see kind of the idea so the bank is going to say, okay This is your gross income and this is the rate that we're going to be able to apply to it The 38 percent and again you want to talk to your financial institution on that to think about What we think you can afford and that's going to include the principal interest taxes and insurance Now they might alter the rate for basically other debt that might be included in that rate And have kind of like a standard rate that would include Basically other other debt in it for example as well So you want to you know get an idea or feel for you know the kind of standard calculations that your financial institution might use And then you might need to adjust it then for things like the monthly property taxes and the insurance And why would you do that because this number up top is including if we're including The the property taxes insurance and other debt in that number Then what I want to do is pull out this stuff that's being being applied to it and just look at the amount that's applied to the loan So that I can then use the loan amount to back into how much how much loan I can pick up So let's see what that looks like. I'm going to say okay included in that number Is the is the the monthly property taxes and insurance. That's what they kind of included in this rate So I'm going to subtract that out so I can get to just the mortgage payment amount if they're applying to the mortgage payment So monthly property taxes and insurance And then I'm also going to take out other debts meaning this number also this percent might include You know other debt that they kind of packed into that percent number meaning this number is including other debt as well That you might have so again I want to pull that out if it is included pull out the other debt So that I can get then to the actual amount that's related to just the mortgage payment. So this would be the affordable monthly affordable monthly mortgage payment And so now we're just looking at the mortgage payment amount So this is just an estimate an approximation You want to look at your financial institution to get it to get a feel for what their calculation looks like what is included in this number So that you can basically get down to trim it down to we're getting down to the amount that's actually for the the mortgage payment Once we have the mortgage payment Then we can back into how much loan we might be able to get Once we know how much loan we might be able to get then we can consider the down payment to back into the actual home Purchase price. So we're working kind of up from the income level to the purchase price So I'm going to sum this up which will subtract it because these two are negative numbers the way I formatted it So summing this will subtract it out. So there's the 860. So this 860 I'm going to say that's the amount that we're assuming is applied to the actual mortgage That I think the bank would be willing to basically Give us a loan for so now I'm going to format this. I'm going to select this. Let's make it Let's make it font. Let's make it this blue. If you don't have that blue you go to more colors Standard and there's the blue. That's the excel is fun guy blue And then home tab font group. Let's make some borders around it So there we have that. Okay. So now I can I can I can back into to the loan amount Now there's a couple of ways you might do this. So so for example, you might say, hmm I don't I don't know how to really back into the loan amount, but I know the payment calculation So you so you might say that you might use that calculation So I'll show you how you can use a tool to do that if that if that other comes up The other way you want to look at it. You say, well this calculation This is the actual payment and if I know that calculation, it's equals pm t There's the payment calculation If I was to calculate this number, that's the end number I want to get from the payment calculation And the the thing that I'm trying to get to is this present value And that's how you can kind of determine. Well, I can say, well, is there a function for the pv function the present value? Yeah, that's the function that you could use But let's use this payment function first to just kind of see and I want to also use this goal seek To see to get an idea of of how this would work. So I'm going to say let's Estimate a loan amount first. I'm going to say well, what if the loan Was 100,000 and I'm going to try to use like a like a similar to an algebra Technique to figure to kind of back into what the what the loan amount should be.  I'm just going to put here I'm just going to pretend it was for 100,000 And then I'm going to try to recalculate This number the 650 the payment and then I'm going to change this loan using a tool called goal seek To be the proper to be the proper tool to get to that payment. So in other words, I'm going to use the payment calculation payment calculation Using this number and the information on the left. I'll get something other than 860 and then I'll change this number using a tool and excel to kind of back into and force this number to be Uh, you know the the proper number. So we'll change this number to the proper number using kind of like algebra You know, you there's one unknown. We don't know and I'll just use the trial and error kind of method Of the algebra, right? I'm just going to keep on plugging in numbers until we get to the right number But I'll use excel to do that. And so it's a useful tool to be able to see that's called goal seek So I'm going to go over here I'm going to first use a payment calculation to try to get to this payment But it'll be different because I'm just guessing the loan amount here just made up a loan amount I'm going to say negative PMT Shift nine the rate is going to be then this rate over here at the nine percent And then that's a yearly rate whenever we have a rate. It's going to be a yearly rate So I've got to say I want to make it monthly dividing it by 12 And then comma the number of periods is going to be 25 For the years, but that's years now what months. So I'm going to take that 25 b6 times 12 And then comma the present value now That's the one we're looking for that we just guessed that we're going to then change. That's the 100 000 I'm going to say enter So there we have something. It's not quite right. So now I want to make this number be 860 by changing this number, which I could say, okay Well, what if it was 101 000 and so on and so forth or I can use a tool Called goal seek to do that. I don't need to be on any particular cell to use it So it's useful to know where this tool is. So I'm going to go up to the data up top And then I'm going to go to the forecast and the what if analysis What if Goal seek, let me tell you a what if scenario What if if I set this cell I want to set this cell right there to be and I have to hard code this cell I want to set that cell to be 860 I can't click on the 860 here. I got to type it in I want to make that 860 and I want to do that by changing By changing this cell so change this cell to whatever it needs to be to make that cell 860 that's what we're saying. Okay, okay And then it just does trial and error and then it kind of backs into our loan amount So that's one way that you can do it and I just want to show that goal seek way That's not the most optimal way because we'd like to use another formula to do it But I just want to show that goal seek because that could be useful A useful tool. So let's do it another way Another way we can do it is the call this the loan Or or mortgage mortgage Amount Is to say, okay. Well, if I use this formula what I'm looking for is that pv the present value That's the loan amount So I could just say well just reverse this and use the pv function and that should get me there So I'm going to say, okay I'm going to say negative so that instead of equals so I'll flip the sign That's the way at the easiest way to do it's probably not the most proper way to do it because you put Should put the negative inside the formula somewhere But I typically put it in throat because it's pretty easy to do And so I'm going to say negative present value brackets I'm going to pick up the rate Which is the nine percent. That's the yearly rate again. So I got to divide it by 12 And then comma the number of periods is 25 That's years and I need months. So I'm going to multiply that times 12 comma And then the payment amount we have up top was the 860 So I'm going to say there's the 860 that should get me to the present value, which is the loan amount So I'm going to say enter there. There it is. There's the loan amount again Let's make this let's make this fancy put some blue some borders So, okay, so now we've got the loan amount. So now if if I assume That the bank's going to require me to put 20 down note that this could change as well So you got to talk to the institution This would be like a classical kind of standard, but we've gone through cycles Where the bank, you know had no money down and then they have too much money down and then they goes So it just depends on the cycle you would think that you know It would even out we kind of learn our lessons over the over the years But the cycle still happen, right? So you're going to have the rates are going to go up and down And of course the amount of the down payment that a bank will will accept due to all the conditions on the market As well as regulatory conditions will go up and down. So whatever the down payment is and whatever number they're using for this Calculation up top. That's what you'll have to talk to the financial institution, but 20% fairly standard So what if it was 20% so then I can say, okay, if I got the loan amount Now I gotta I gotta increase it to the to the affordable purchase price So this is going to be the affordable home affordable home purchase So I'm going to so I'm going to make this a header by selecting a couple of cells because I'm going to use two cells for calculations I think Home tab font group. Let's make that black and white And then so we first calculated the loan or mortgage amount up top. I'm going to put that in the outer column So that's where we start and then I'm going to take the the percent financed. So the per per percent Financed in other words, I'm trying to think about How much of the home purchase am I going to finance? Well, I'm putting 20% down. I'm not financing that I'm paying cash for that The rest 80% is the amount I'm going to finance I'll do the calculations just so we could see it here sort of be 80% but I'm going to say one One I'll put that in the inner column and then the down payment down payment Well, let's do it this way. Let's make this equal to The down payment percent which is 20 percent. This will equal the 20 percent So one minus 20 percent or 100 percent minus 20 percent if you want to think about it that way Would be the 80 percent. Let's make this a percent. I won't make this a percent. You could you can make that a percent 100 percent minus 20 percent But we'll keep that at one and then I'll make this an underline font group and underline And then this is going to be the percent financed Which is going to be one minus the 20 Making that a percent by going to the number group percentifying it That's not a word people don't like sometimes they get angry when I don't use non words, but percentified I feel like it's a cool word. I'm pretty I'm I think I'm going to get it into like the new word Oxford new word dictionary the oad Because it should go there. So in any case, let's go ahead and indent this one By going to the home tab alignment indent They got curiouser and curiouser. I heard in there, which wasn't a word From from some book or something Any case I got affordable home affordable Bull home purchase So now we're going to divide this out. I'm going to take this amount divided by the 80 percent And so that's how much home that we can purchase So let's double check that just to give me a double check figure because like yeah, you sure on that one. Let's give it a check figure Check that out. Let's check that out one more time. So I'm going to make this the header. This is my check figure check check And so this is going to be equal to the home price Which is going to be this amount And then I got to put a down payment. This is how I normally calculate it of 20 percent 20 percent they're making me put down Make that a percent underline it And so that means that I'm going to have the down payment Of equal to 128 99 times the 20 percent the 25 6 20 so that means the amount amount Financed or the loan you might call it the loan the mortgage is going to be equal to The 128 99 minus the 25 6 20 So there it is So we kind of double check this to that number And this to this number so we can kind of see it that way So let's format this. I'm going to select this whole thing make it blue font group. Let's make it Let's make it blue and bordered Let's make this blue and bordered blue and bordered and you could see the idea here being That we're starting off with the income. We're trying to think about how much The bank might loan us based on that information by using the method that whatever financial institution is going to use Which we're which we're approximating here. You want to talk to the financial institution We're trying to get the amount that would be applicable just to the mortgage payments So that I can then use that amount to back into the amount of loan They might be willing to give us then once we have the amount of loan They might be willing to give us then we can use that and think about the down payment Which they're going to require us to give to back into the affordable purchase price How much home we can actually purchase So now that we have that down next time we'll we'll just basically build An amortization table and the pivot tables related to this just to keep on practicing that Because any time you do these kind of calculations, it's useful oftentimes to get into more depth To have the amortization tables and then that information possibly broken out by year Because then you're going to want to do your own budgeting Not just look at this 38 but maybe think about your own kind of personal income statement And and and you know what's going to be the tax implications and the equity going into the future and so on And I think it's useful to be able to build the amortization tables And summary tables per year to do that


Bronnie Ware is a nurse who spent seven years at the deathbeds of the elderly and dying During those seven years. She collected What were the top five regrets of the dying and wrote them all in her memoir? Let's go over some of these so that we don't have these regrets on our deathbeds The fifth most heard regret was I wish that I had let myself be happier It turns out that when we get older as we gain experience through life Especially once we are approaching our death That's when we realize that happiness is in fact a choice That you have to choose to be happy Sure, your outside circumstances can help you in making that choice if things are going well if things Looking really bright. It's a lot easier to be happy But ultimately it's a choice. You have to let yourself be happy. There are people that have things millions of dollars beautiful friends Beautiful circumstances that don't let themselves be happy as a result Torture themselves because of it The elderly seem to realize this that for a lot of their life They were waiting for something to allow them to be happy. They could just simply let themselves be happy So don't make that mistake. The fourth most heard regret was I wish I had stayed in touch with my friends How many friends do you have in a lifetime? How many faces do you see? People you saw you'll never forget and yet because of the vicissitudes of life because of what happens We forget some of them. We lose them in the midst Which have to realize is that people are not like items and objects or collectibles that you can replace in this regard and once you're on your deathbed when you realize this that Every person has a story every person has their own individuality their own characteristics Don't flavor they brought to your life and some of them you should have never let go of Here you are wondering what happened wondering where they are Because you couldn't stay in touch. You forgot to stay in touch with your friends. The third most heard regret relates with people I Wish I'd had the courage to express my feelings. I wish I had the courage to ask the girl out I wish I had the courage to tell my parents the truth about my sexuality about my goals I wish I had the courage to live a life that I wanted to be honest with myself Expressing my feelings That's something a lot of people don't do and that's one of the most potent regrets Because when you don't have the courage to express your feelings to tell people how you feel by how you're not happy with the situation about how Much you love them When you are on your deathbed, that's a feeling.  The second most heard regret was I wish I didn't work so hard How many of us work 50 hour weeks 60 hour weeks 70 hour weeks Trying to get ahead trying to get that next big car try to get the bigger mortgage the bigger house how many of us Forget to spend time with our family and friends because we're working Because we need to beat the neighbors because we have to work hard. That's what we're meant to do Save money into your Roth IRA save money to your superannuation. It's all about working work and work and make more money work work and yet When some of us on our deathbeds, what do we remember?  That's too serious. Where are the memories of us camping? Where are the memories of us climbing a mountain? Where are the memories of us traveling to Berlin? Where are the memories of us actually living? They don't exist because all we have is work We work so hard so that we could have a good life when we were older and here we are on our deathbed The number one regret she heard said was I wish I'd had the courage to live a life true to myself Not the life others expected of me I feel that we can all resonate with this even before we reach our deathbeds You see a lot of us we follow what is called the socially conditioned narrative We go to college because our parents tell us to society tells us to we get a degree in a job That we don't want to because it's the right thing to do We buy the house we get the car we get the mortgage we get the kids We marry the person who wasn't right for us. We live a life that's expected of us We don't want to go against the herd. We don't want to be outcast. So we do what's normal We omit our dreams because of this sometimes the dreams we have seem too ridiculous seem Not appropriate for situation and when we're on our deathbeds, that's when we can truly realize that We might have wasted our life. We could have done something else We could have actually lived a life that would have enjoyed more following our higher purposes Not agreeing with what others expected of us but doing things that we wanted to do So that's the number one most potent regret So don't live a life the others expect of you Pave your own way.  Peace Do it


Second time of asking on the inside in red is Matta Janowski gate number two in blue Bartosz Marzlin gate number three and white Mikko Mikosun who is now entering the arena will go from the outside in yellow Will he stay on his motorbike this time hugely competitive place the nerves are jangling now Second time of asking Chris. Yeah, first attempt was a very even break Gotta say I think it won't be again Yeah, I fancied the man in blue. That's for sure Bartosz Marzlin, but as I say at this sudden death now Really have got to kick your nerves together Say that 180 Heart rate there. I wonder if that machine is correct because I'm gonna say 180 beats per minute It's certainly Matta Janowski. His heart is pounding away there on the inside settling down second time of asking the grand final Opening round of the World Championship Bartosz Marzlin, fabulous start from gate number two Here they come on the inside and a stop-sum Dike was at Mikko Mikosun, excuse me, it was Mikosun who forced his way in the second place He's not getting out trying around the outside Bartosz Marzlin's away. He's got the victory in his back pocket Now you're not going to response raw around the outside. Will it be a date? One, two, but to get Mikko to the side, Chris Yeah, Marzlin took him quite a while this evening to find the perfect setup But look at him going away in a class field. These guys have all been fast tonight But Marzlin really comfortably out front And it looks like Janowski settled down for the second place this evening The day he's scrapping it out of the back Down the back straight for the last time of the evening Bartosz Marzlin absolutely in the class of his own little final Comes out in the last quarter and Bartosz Marzlin wins in Croatia Here in Goroszhan this evening Fabulous effort once again The former world champion coming alive Long of the meeting went on, the better he got Superb start from Bartosz Marzlin Matej Janowski's strong performance back in second place A Polish 1-2 in the evening And then Mikko Mikosun in third And answers Thompson just missing out on the roster What a performance He's been on top of his game Marzlin top the qualifying And now wins the Grand Prix Fantastic start to the Series B Well, totally dominant The fastest man in the qualifying Took the start position number five Comes through in flying colours in the final Sensational start, celebrates with his team They'll be delighted He will have a massive weight of expectation this year But this man, he can cope with it He's shown he can He could have made a better start And for Bartosz Marzlin, he's just thrown the gauntlet down Callan, get me if you can So here we have the winner, round one here in Croatia Bartosz Marzlin, how good does that feel? Hello everyone, I'm very happy Because the whole meeting I'm so happy The bad start The evening in the gate two In the final two times make it the best start And I'm very happy about it And I never win GP the first round And today I make it And I'm very happy Yes, you're saying you weren't making good start So did you feel an awful lot of pressure To make the right gate choice in that final? What? Did you feel a lot of pressure To make the correct choice of the gate position? What the pressure? I'm joking Did you feel the pressure pretty good? I'm really, I don't looking for this one I want to make it my job Because I love it's speedway and that's it Well done Bartosz and good luck for the rest of the season Thank you Here we see the lineup because of the inside of red Leon Matzi and the gate two in blue Freddie Lingland coming out of gate number three in white And off the outside Max Frick Who chose that, he had the pick Had the first pick And it's final time in the Narodovic Who also? Um Redline's on Mikkelsen makes a good start But Frick's there as well He's down for Max Frick He's fired himself to the front All the old accent Mikkelsen's down Redline's going to come on Redline's on I think he took his handlebars He took his handlebars away Drama in the final Somebody's going to have to go now It's not the first corner Manson could go in Manson very strong going into that third corner Chris Yeah he was Very forceful I think they have just taken his arm Since somebody actually hit a cross Cutbacks have made runs around the outside But he just went slowly across Absolutely fabulous start from the outside Leon Manson No exclusion light on yet But there will be one coming We're going to be concerned about Mikkelsen He's more than me Leon knows that there's a chance He's just leading on me What do you think? What are your thoughts on that? I need to see it again I'm not sure if he was leading on him So finally he wouldn't blame him if he was You know But I need to see it again Well you can't now Yeah here we go And we can see Leon Just coming up the inside of Mikkelsen There's definitely contact Leon has got the better of him there He's got his nose in front of him there Chris Yeah Let's just have a look at this angle I think Mikkelsen's in front Oh I disagree with you How he looked at it again I tell you what If Mikkelsen went It wouldn't be a shot Because I think Leon is at this point in front He's got the better of him there But He hasn't enabled Mikkelsen to get in the corner Because he can't straighten the bike up He's going to crash anyway And the leg is gone But Leon had nowhere to go Where was he going to go? He said to agree to miss him Had he overcommitted himself? No because No to be a referee I'm delighted I'm not a referee Because that's a difficult call That's a very difficult call And either way it goes Both riders are going to feel aggrieved aren't they?  He leaned it on me No it's collusion It's a tough call And it's a really tough call But certainly I want to be allowed to make it And it is drama here in the final Which way is it going to go? Red is out Red is out Mikkelsen goes Mr Gardell clearly felt That Leon Madsen had got the better of him And Mikkelsen was leaning all over him A reprieve possibly for Madsen But a tough call nonetheless Chris A tough call I think at the end of the day He could have gone either way with that one So here we go Final time Mikkelsen outside he's made it He's hit the first corner in front Leon Madsen's in second place Freddie Ligman back in third This is Al Max Frick both What composure Wow what a ride from him He completes the first lap He's in front Leon Madsen's pushing hard In second place Freddie's in third But Max Frick Looks like he's going to win here in the Naradovi Yeah fully committed He's not riding defensively He's on the edge of the dirt mid-track And he's building up plenty of speed It's good to see Max riding like this The Aussie champion Deserves a little bit more than he saw In the first round with two points He's going to take this one Fantastic stuff for him Super something for Max Frick Out in front He's had gate four for the last three outings He had no hesitation to take that He made an absolutely dream start Away from the outside And Max Frick He fails a second turn of asking Now Scott Nichols Is down there on the center green And we can hear from Max Frick now So the winner of the PG FIM Speedway Grand Prix From the Naradovi Stadium in Warsaw Is Australia's Max Frick Max huge congratulations mate How do you feel Man this is so surreal It's unbelievable being here in the stadium With so many people We've been hearing you all night It's been amazing Top of the podium Mate you had to do it a second time round as well I don't know what your heart rate was like But how were the nerves on that second one I was pretty disappointed after that first one Not going to lie But you know I managed to regroup And get back out there And have another shot at it So it's a good first start And a good first corner Really gave me the speed for the rest of the race Talking about regrouping It was a tough night in the opening round in Croatia So no better way to bounce back You really put yourself back in the game In your second GP win Yeah exactly Croatia was pretty disappointing for me So you know I had to get between my teeth To come back here And you know to move a little bit further up That leaderboard and regain some positions That I missed out on So job done here tonight And hopefully we can move on And have a successful rest of the GP series Definitely mate showed a lot of grit Onward and Upwards Well done The focus of attention is on these four riders Who's going to win the night That man in the blue helmet colour Martin Vasylik has a very good chance He's been riding terrifically well this evening It's about composure now Hold yourself together Do the right things at the right time And um I've got to say One or two of these boys have been here more than once Woofendon has won this meeting Three times consecutively Between 2013 and 2015 He knows what it's all about Janowski won here last year Martin Vasylik a multiple Grand Prix winner of course He knows what it's all about Jason Doyle a former world champion He's won here in the Marqueta This real quality on the start line here For the final race of the evening Chris Really is a fabulous line up for the final On the inside Woofendon in red Martin Vasylik in blue and gate number two Matze Janowski on a warning coming out of gate number three Jason Doyle will go from gate number four In the yellow helmet colour Settling down then for the big grand final Here we go in the Marqueta stadium Green lights on Oh, Janowski's blown it on the start Away they go, the red lights on He'll have to be out, he's had a warning already Oh that's desperate for Matze Janowski He was nervous in the semi-final Where he twitched a bit on the start line Got away with it that time But Arta Kosmeres the referee Really has no choice but to take him out of the final I don't think there was any movement before him Maybe from Jason Doyle, you know It could be used as an excuse Oh Doyle definitely moves Yep, yep, yep, yep Yeah, I mean, you know, Magic's got a good case to make there Ah, no exclusion light on yet But I just fancy the fact that it could well be curtains there For Janowski And we wait to see the decision from the referee Janowski's still out on track Maybe a bit, I don't know But he's been told to leave the arena And that's desperately disappointing end to the evening He'll pick up 14 world championship points And far from disasters But of course he would have been looking for the win there Green light is on Away they go, Martin Basilic What a start from him Back to the front Ty Worfenden now slots into second place But Martin Basilic down there Back straight on the opening lap Absolutely will perfect away from the start It was a textbook start there from the Slovakian Jason Doyle back in third But Martin Basilic Look at him go out in front A stunning opening lap there from him Martin Basilic has come into this meeting And found some fantastic form I've never seen him ride better, I don't think He's just riding the bike with so much determination He's out in the dirt He's not worried about where he's riding And stretching that lead against Ty Worfenden and Jason Doyle Who certainly have turned their Grand Prix series round tonight They have indeed, but for Martin Basilic That was a stunning start It's been a terrific night A speedway right through all the evening for him He's out in front He's got this final really wrapped up Just needs to keep it going One last turn for Martin Basilic As it comes out at turn number four The crowd are on their feet Martin Basilic wins in fine style Here in the market tonight What a performance from him He'll be absolutely overjoyed With that 20 massive world championship points for him Good result for Ty Worfenden back in second place And Doyle in third But what can you say about Martin Basilic Had the strength of his convictions there To go for gate number two Chris And he made it work Yeah, he did it twice He's made it work both times And for the second Grand Prix in a row We see a guy at the bottom of the field Taking the victory Mixing it up Yeah, so very difficult to predict Results at the moment It really is a topsy-turvy season But it's an indication of how competitive this series is It really is And a tough one to call They're playing to Bartosz Marseille They're going across the Congratulate Martin Basilic Great sportsmanship from him Ty Worfenden will be delighted as well With his second place on the evening 18 championship points for him And back in third place 16 world championship points for Jason Doyle But the night belongs to Martin Basilic So it's final time here in Teterote Great to be back First time since 2019 Of course it's all been on pause for two years Because of the pandemic But we're back Huge crowds People enjoying themselves Great to see So on the inside We've got Patrick Dudeck and Red Gate number two in blue is Robert Lambert Bartosz Marseille will come out of gate number three In white and off the outside is Freddie Lingwin In yellow Here we go then Final race of the night Green lights on now Taser up Jarvis on the way they go Dudeck's made a good start from the inside Huck's that first turn There's Bartosz Marseille coming through In the second place And Freddie Lingwin also getting the better Of Robert Lambert down the back straight On the opening lap Dudeck once again In that position We've become accustomed to seeing him He's got a lead He's looking good Chris He's set for a final win now He deserves this He's been the best rider all night long I don't think Marseille is overly comfortable I don't think he wants to throw these points away His nearest challenges Have not put themselves in the final So this will do for Bartosz Marseille But Patrick Dudeck He could take nothing away from him He absolutely deserves this victory on the night Looking good out in front Just got to keep it all together He's bouncing around Little bit uncomfortable there that time Into the last lap Marseille hanging onto the second place It's strung out Understandably so Difficult conditions But just one big effort Around this last corner Keep it all together Patrick Dudeck the rider of the night No question about it Wins in style Fully deserved win for Patrick Dudeck Marseille back in second place Does his world championship No harm at all We gorge off coming up In three weeks time Been a tough night But for Patrick Dudeck That is an outstanding victory Here tonight in Cetero 4GPs 4 different winners What a series We've got on our hands Here Kelvin It's going to be fantastic It's been terrific It's been tough out there But Patrick Dudeck Delights the Polish fans And considering the form He was in coming into tonight He probably can't believe it It's a relief A relief An overwhelmed with emotion The team delighted Of course they are They've probably been working harder Than they've ever done With the fact that He's been finding form Hard to come by But for Patrick Dudeck That is an outstanding result And the 20 world championship Points that he has earned tonight Are very welcome indeed Fourteenth place He was coming into tonight He won't be there now Patrick Dudeck The winner Final time Last four laps Of the evening Here we go The 23 The final here In the Edward Ganses It's the 3WP The 3WF I am a speedway GP Of Poland Here in Gorzoof tonight Just taking their time Few deep breaths Just trying to hold yourself together Produce something a little bit special When you really need to Don't jump the start Don't touch the tapes Don't blow it now One last push All evening Telling you what The intensity of the racing tonight Has been spectacular The racing tonight has been spectacular here on the inside Patrick Durek and red alongside of his Anders Thompson in blue Bartos Malzik out of gate number three and white Martin Vasily from the outside in the yellow hell it color Final time here in the Edward Yancez Here we go start marshal just making sure that they're gonna be in the right place nerves are jangling 60 seconds to prove we can win here this evening Too much longer now green light comes on now Move from actually to come through into third place very nearly into second place But and it's Thompson out of gate number two. He fires himself to the front superbo They can travel smile. We must not capitalize surely. Yes. He does. He's through the third place In second place for the and this Thompson out in front running out of his skin Keep this move doesn't make any mistakes. That's the only thing I feel is gonna hand it to bashing Making so much ground up just in one corner. He's looking for a higher step on the podium Oh Spectacular stuff from him The last corner and it's tough some wins in here in the Edward Yancez stadium The life of him smiling it back in third place. Do they just missing out that's looking their second Wow, what a performance from Anders Thompson. I tip my hat to him Yeah, a lot of people were saying he shouldn't be riding but by golly. He's ridden out of his skin tonight Chris That is a sensational win for Anders Thompson Yeah, fully deserved his plug the way all night has it looked spectacular But he did it when it counted and he's semi-final and final performance were first class They were indeed a master class from the Danish rider finished second in the Danish championship to Rasmus Jensen on Wednesday night Comes here to Gorgioff picks up the Grand Prix win Fantastic moment for Anders Thompson Gotta say that really is quite spectacular For now Congratulations I'm up for the final do they come the inside in red down beauty alongside him in blue Bartlett Schmarz look out of gate three and white Leon Madsen off the outside in yellow Wow We've got here Yeah, but the vacation but we've got here. We've waited for it But I think it's gonna be worth waiting for it is gonna be tense. It's gonna be tight into that first time It's been a roller coaster of a night four laps to go Determine the winner after a three year in the principality the final of the night then green light comes on now Thanks, you're up a room under why he's made a great start out again I'm a so far themselves for the pride brought down the first corner Sparthing an hour into second place with 2-Dex living back into third Madsen didn't make it He's gonna start you say Chris yellow smile in his face Yeah, the smile that who's with confidence escape to the game available And he has taken this one the ball by the horns. Look at him go He's leaving Sparsley can he's way Absolutely Just over I love to go for down the early stars leave the championship leader. That's no bad result for him In second place Patrick Duda back in third but the night bother 64 first British winner in 15 years Chris We've had to wait a long time Yeah, his camp are gonna be partying tonight that was done so fantastically well. He made an electric star He made the bike work in the in all four laps. He didn't make any mistakes and he can rightly celebrate Look that down there with Steve Lawson a man who really has worked tirelessly to get him to this point That beauty comes about so close in Gordrup, of course last time out But now his first final and guess what? Yeah, you're FIM Speedway Grand Prix round six winner This man here on the calendar Yeah I actually thought about this in Gordrup, you know about winning and I had a speech and some people I wanted to thank and all kinds of it now. I'm here. I just I've got after the second lap. I kind of I Seized up and I just want to say thanks to everybody for cheering me on tonight You know thanks to the boys in the pizza working hard and you know Thanks, everybody makes it work sponsors and friends and family here and some working fans and fans more over England and all over the world Poland and It's just been awesome. What a night an amazing night and you got to perfect start to race wins I'm sure I know this is gonna take a while to settle in but I have to ask you Did you have a plan going into that final? Oh, I actually wanted to get to but when I was thinking You know, I should probably go one and then after the semi I didn't have much choice So it worked out pretty good. So Just yeah make the start and try and get in front the tracks a lot easier in front. So No After the first lap, I thought, you know put one good lap in and then You know, I think it's the wrong thing to do look behind but I kind of seen I had a bit of a lead and You know seized up but we got the job done and you know just once again thanks to the boys in the pits and Thanks for everybody for supporting me tonight. Just finally. How are the nerves part way through the race engine? How are the nerves part way through the race? So you seized up with the heart race kind of just off the scale Yeah, it was off the scale in the semi actually we made one minute for the rerun, but No, you know, I love pressure and I think you got a lot of pressure and it's cool But you know after two laps, I don't think that's pressure I think you get a little bit, you know confident and you seize up But no, this is awesome, but you're still a long way to go in the season So look forward to the next one, but you know, this is one I'm never gonna forget Mate, in the meantime enjoy tonight soak it up. Well done. Damn beauty It's final time here in the Olympic Stadium in Brock's lab It's the bettard FIM Speedway GP of Poland We are coming to the final four laps To finish off the evening. We do hope it's in grand style No reason to think it won't be we've witnessed some terrific racing out there tonight So once again, we will show you the lineup for the grand final here tonight Boys just digging around making sure they choose the best possible place So the lineup for the final then on the inside is Dan Buley in red gate number two in blue is Matse Janowski Gate number three and white is Leon Matse and Robert Lambert will go from the outside in yellow So riders now moving forward for the final race of the night Who's gonna win here in the Olympic Stadium tough one to call could be Buley on the inside Could he make it back to back Grand Prix victory is the green lights on we're away And they were all to the first corner and beauty's got there. Lambert's been pushed wide by Janowski Leo Matse, but Buley out of the first corner Here we go now into second place is Matse Janowski But Buley after the inside gate had to make it and he was up to the task He's stolen a march on the opposition Leo Matse now through into second place Janowski trying to repay the compliment but Dan Buley out in front Chris looking set fair for a second consecutive for a pre-win Yeah, first riders do it this year and he's looked fast at his last heat He's looked fast at his semi-final and once again in the final when it really counts He looks quick, but they're not gonna let him go Matse and stretching his arms out looking for every little bit of traction Here we go then they're into the last lap in the final in the Olympic Stadium in Brochlap Dan Buley looking set fair for a second win of the year in the Grand Prix two finals Looking like it's gonna be two wins.  Leo Matse back in second place And what can you say about Dan Buley a man on the crest of a wave Fabulous performance once again from Dan Buley Dan Buley riding high there just congratulating fellow Brett Robert Lambert Who I think may have just grabbed himself a rostrum spot but have to have a look at that again But no mistaking the winner Dan Buley two on the trot Wins in Cardiff, he's home round and again here on his home track in the Polish League Brochlap fantastic stuff from him. This is what dreams are made of for Dan Buley No question about that. Absolutely sensational form from the young British rider Look didn't really look like it was gonna make the semi-finals. It was the last qualifier And it comes out from 20 big big world championship points Calvin we said it we need someone to find consistency at the very very top And it looks like it might be coming from Dan Buley Yeah man the moment you're round seven winning him right so Dan Buley Dan you first go on pre here you get your first winning Cardiff The first two-time winner in 2022 and you scrape into the semi-finals while skinning your teeth Pretty good night really Yeah I wouldn't have said that after heat 19 but Yeah we worked hard in the pits tonight and we swapped bikes Towards the end and just turned the night around You know to get the win here was pretty special you know in Cardiff You know I felt good all day and felt good on the track but Here I think it's the kind of track where everybody is good and You know this kind of you know I wouldn't say it means more but You know I feel like everyone was at the best at this track so it's pretty cool Well this is the world championship everybody said best so Was there a little bit of panic sitting in earlier on when you kind of Start off good but then you had that little dip midway through Yeah you know not really I just kind of knew if I had to win the last race to try and make the Same is and even then it was going to be tight but You know that was the plan and it all came good in the end Well you've won on home so now it's your home track is there you got a special mention to the Polish fans you're home the Spart Rockswell fans Yeah I wish I could say more but just Czękły badzo Dobry Vyczuk that's about all I've got but you know thank you for supporting me tonight It's been awesome here I've loved every minute of it Well your Polish wasn't going to be a race with top-notch but I enjoy celebrations Thank you So here we go then grand conclusion to the night with the final Dodeck's been riding well all of late and makes another final and it's got a favoured gate Could be his night goes about his business quite calmly and quietly these days but nonetheless That's certainly since that win in Germany and Tetra I really had some had a really great run of form and it wouldn't be a surprise at all to see him win from the inside here this evening So Voyen sent Pat to the rafters tonight great atmosphere out there promotion have done a great job to encourage people to come the weather's played its part and the public was stranded in fine style so on the inside is Patrick Dodeck in red Leon Madsen wears the long side in blue gate number two gate number three and wide is Bartosch Marzlik and Robert Lambert will go from the outside in yellow here we go then Big final on the night here in Voyen's Here we go green lights on and we're away Madsen's made a good start but so smart to bet his Lambert Lambert has Smarslik through that first corner Smarslik there Lambert having the door absolutely ram shut down the back straight what a star from gate number three that was Madsen coming on strong in third place but Robert Lambert now settling in second but this is just what Smarslik has done he's cleared off out in front the championship lead was 16 points he's going to stretch it by another four points if he can hang on out in front now great start from Bartosch Marzlik he is so determined he's semi-final right and the speed and pace he's gotten that first turn coming from gate three almost impossible task Robert Lambert great first lap but he just had to get defensive on Madsen lost that initial ground on Smarslik but what a response great ride from Bartosch Marzlik Smarslik out in front this is all but down the world championship he's getting ever closer he wins here in Voyen's tonight brilliant ride from him Robert Lambert did clearly delighted with a second place and Leo Madsen back in third and third egg misses out Smarslik wins his second Grand Prix of the year and won the opening round of course and Croatia wins again in Voyen superb effort from him congratulations also goes to Robert Lambert with a fine second place brilliant stuff from Robert Lambert and Leo Madsen back in third but Smarslik you can just see the reaction that meant an awful lot to him tonight it did yeah it's rare that you see him reacting quite like that he's used to winning races used to winning Grand Prix but yeah you're winning here in Voyen's a round eight is the championship leader Bartosch Marzlik Bartosch you didn't have the first choice of gate it was kind of the one the worst choices but you're gonna made it your second win here can you extend your championship lead by 20 points I'm really happy because the my starts today is so really hard and I don't feel good speed the first two racing but after I feeling a little bit better on the start and the the the laps and the in the final I have everything and start and laps and I'm really happy because that is Voyen's so special place so very hard for the body and for the good setups because they are very he's so big different the lineup for the final then it's Ty Wolfenden off the inside in red Bartosch Marzlik out of gate number two in blue Freddie Lingwin will go from greats three and white and Matta Janowski going from the outside in the yellow helmet color here we go then the conclusion of the night final time start Marshall is happy now Craig Ackroy the referee green lights on and we're away what a start from Marzlik absolutely flew away from gate number two turns it tight down the back straight Lingwin coming on strong round the outside I've got to say that Wolfenden just trapped there is aware of riders coming on strong Lingwin now through in the second place easily through into the first no Marzlik slams the door shot great ride from Marzlik did all the work on the first turn to stop the run of Ty Wolfenden who'd made the comeback I'll tell you what Freddie Lingwin is putting an awful lot of pressure on Bartosch Marzlik he's tempted him to ride defensively around the inside and that's the right move indeed it is but Marzlik just reacted in the nick of time hugging that inside line Janowski's now moved through into third place with Wolfenden relegated to the back what a way to finish the night here clinched the world championship before he even rode in the semi-final and he's going to go on and win back-to-back run pre-s and his third run pre-win at the yeah Marzlik wins here in Malina tonight the new world champion now in creation's camp again congratulations to him what a way to round the night out good performance for Freddie back in second place Janowski on the rostrum again for that man the night belongs to Bartosch Marzlik so your penultimate round winner is Bartosch Marzlik a bit deja vu because I'm sure I spoke to you earlier but now also the new 2023 world champion has it sunk in yet yeah I feel unbelievable because you know what I'm saying to you before the semi-finals and about today night I'm full focus for the this night because I'm really want the win and to make it everything before last runes in total yeah that's remarkable because you didn't have to win the final tonight you're already world champion but you showed true world championship world champion spirit and went out and won and showed the boys whose boss oh wow for me so here's a title so a little bit different again because so I'm finished championship before the last runs and I'm happy very happy about this I'm I think so a little bit more say about this after the season because now I'm don't really know what the maker today and I must you know a little bit more easy and look at for the media and my friend friends what he thinks so about me today yeah okay so inside is Bartosch Marzlik in red Martin Vashrik had a gate number two in blue Matze Janowski had a gate three in white and Leon Matzin out of gate number four in yellow so the final of the night the conclusion of the SGP series here in time this evening green lights off away we go Martin Vashrik wow what a start the final absolutely nailed it Bartosch Marzlik coming through in second place here comes Leon Matzin rushing through into third place with Janowski out the back Leon Matzin now on earth did he move out the way there certainly nearly collected the world champion on the way through Janowski forcing his way back in the third place wants to be on the podium tonight but for Martin Vashrik what a start looking like a winner from there he certainly is he's not doing anything flash he's just riding the right lines he's got that bike set up absolutely perfect just to find the traction in ease he's taking the shortest route around the inside it's too far now around the fence he knows that he's got Marzlik now giving chase taking even shorter route down and I just can't see that he's going to find the way fast Martin Vashrik down the back straight for the last time in the final what a night it's been for the Slovakian rider it comes through there flying Carlos what a night for Martin Vashrik wins here in Torren in 2022 what a way to finish a season congratulations to him Bartosch Marzlik back in second place the world champion just could not do anything about Vashrik and Leon Madsen and you know he battling hard we know ski just about hanging on there but what a night it's been for Martin Vashrik two-time Grand Prix winner in 2022 and what a way to finish wow that was spectacular Gorge off as well so yeah your final round in 2022 winner Martin Vashrik Martin you start the night off superbly and you finish off exactly the same way yeah I'm very happy really it's it's amazing feeling win the Grand Prix so I'm very happy right now and yeah what a what a finished season with the first place so yeah I'm very happy and also same way I would like to congrats all the boys who who win the medals this year and yeah just well done boys


Okay, great. We have five. We can start. I'll call the meeting to order at 807 a.m. And the first item on the agenda is general business and appearances. This is an opportunity for members of the public to to be heard on any item not on the agenda for today's meeting. Anyone who wants to be heard. It's star six. If you're a colon user and you'd like to unmute. Okay. We'll move to the next item on the agenda, which is the only item on the agenda, which is address allegations of open meeting law violation. Bill, do you want to set us up with an overview? Sure can. Although everything is in the meeting materials. We received an allegation that the city was committing an open meeting law violation. There wasn't a specific allegation of a specific meeting, but a general violation that we were not properly recording and taking minutes of the meeting specifically those which were remote only provided you copies of the actual verbiage of the complaint, the verbiage of the relative statute and proposed findings. I do consult with our attorney about this and ran what you see in front of you past him. And we'll start it off. Okay, thank you. Stephen, is that you on the telephone and do you wish to be heard? Yes. Yes, I do. This, this is another example of a gross mismanagement and misleading information from the city manager. The allegation is that the recordings are too required by statute to be maintained by the city and copies available by the city. The city is not maintaining copies of these recordings is not in this case. There is no contract with Orca to do that. Orca, I've spoken with Rob Chapman. They are not inclined to take on the obligations of the city for archiving and making copies available at cost. And so the city is really obligated here to refine. Is the city clerk present in the meeting? I don't, that's a question. I didn't get, I also enlisted as a interested party, yet no one notified me of this meeting. If there's another example of gross mismanagement. But Orca is not the city's agent. There is no contract with Orca. I did a public records request and confirmed that. I spoke with the Secretary of State's office. That is the only circumstance upon which city might be out from under these obligations. And the city is squarely obligated to maintain, provide access to view and provide copies upon request of these recordings. And the minutes I've spoken to the city clerk, the minutes absolutely rely on the recording. Many times I've had to ask the clerk clarification of the minutes and he's had to go reference for recordings. So it is insufficient to pretend that Orca is fulfilling the city's obligation just because the manager has laxed. Does any member of the council have questions of Mr. Rittaker? Okay, hearing none, I have a question for the manager or the assistant city manager, which is that when we log on to these zoom calls, we always see a notification that pops up on the screen that says that the meeting is being recorded. Is that being recorded within the zoom platform? Yes. And is that also either in the possession of the city or accessible to the public upon request? Yes, and we can make copies upon request. Does anyone have anything else? Okay. The proposal for the, in the packet was that we should adopt a resolution. Does anyone want to move the resolution? Okay, Donna. I realize I didn't pull out that wonderful guide sheet, but I was going to make a motion that we go into executive session to discuss what we've been advised by our lawyer. Okay, is there a second? Second. And Donna, I know you don't have the. I can find it real quick. Who's the lawyer that's being referred to? Michael Town. Okay. This is a one motion. Is it not. This is a two motion one. Okay, I'll go down here. 313 a one. Yes. I moved to find that premature general knowledge of the information given to us by our lawyer will prove a disadvantage to the city. And that we have a need for executive session. I'll take it. All those any discussion. I'll register an objection. This is clearly public business and we're not. We're not in litigation and this is clearly public business about transparency, which the city sorely needs greater transparency, not less. Thank you. Any other discussion. I have a question. For the city manager is there. Is there additional information that is coming from our lawyer that we have not already heard. Not really no. Then you certainly shouldn't be discussing this in executive session. So I agree. I have also talked to some legal advice dealing with another organization and like to share that legal advice. I'm not going to go into the context of what the lawyer said. So, right. Is there any other any further discussion on the motion. And the motion is that the city council finds that premature. General public knowledge would clearly place the public body or a person involved that is substantial. Disadvantage regarding confidential attorney client communications. All those in favor signify by saying aye. Aye. Opposed. Okay, we've adopted the finding. Now is there another motion. I move that we enter executive session to discuss the legal advice around the open meeting law violation under title one section 313 a one other Vermont statue. And is there a second. Yes, second. Any discussion. All those in favor signify by saying aye. Opposed. Okay, the motion carries and we will go into executive session. I need to go find mine so we can go out. My email that said we're provided the link for executive session and we can. We'll meet back in the other space. Okay, is everybody back one two. Three, four, five. Okay. I believe there is someone like to make a motion. I move that we come out of executive session. Okay, there's a second all in favor please say aye. Aye. Aye. And opposed. Okay, so that motion passes. We're back in regular session. Is there a motion. I make that we adopt the resolution proposed by the city manager. And that we do not see any violation of the open meeting law. Is there a second. Second. Okay, there's a. Motion and a second. Okay. Okay. Any further discussion. Lauren, go ahead. Yeah, I just wanted to state, I mean, I think that the capital and city staff work hard with a goal of being transparent and accessible for our meetings and find multiple ways to make them available. And I know it's something that even through our work with the social and economic justice advisory committee, we've been working to figure out ways to be even more accessible. And so I'm happy to support this motion. Okay. Thank you. Any further discussion. Okay. All right then. So we have motion. All in favor, please say aye. Aye. Aye. And opposed. Okay. The motion passes. All right. Thank you, everyone. And we'll see you later on. I was with that. I will adjourn the meeting. Okay. Thanks a lot folks. Nice way to start the. Peter agrees, obviously. Yes. Thank you. Thank you. Thank you. Thanks a lot folks. Nice way to start the week. Peter agrees, obviously. Yes.


Welcome to This Week in the City, where we bring you highlights from the public relations media and marketing department with the City of Columbia. This week in the City, on Tuesday, November 21st, Columbia City Council will hold a variety of committee and other meetings including a work session and a regular meeting. Details can be seen on your screen. All meetings will be held at City Hall and all meetings will be hybrid, meaning that you can attend in person or you can view from our YouTube channel or our website at ColumbiaSC.gov, which is where you can also find agenda items. Also during this week, we have several announcements regarding the Thanksgiving holidays. City offices will be closed in observance of Thanksgiving on November 23rd and November 24th. For all emergencies, please call 9-1-1, but offices will be closed on those dates again November 23rd and November 24th. City of Columbia Parking Services have announced Thanksgiving hours. Parking services is once again excited to support our local businesses and community by offering complimentary parking during the Thanksgiving holidays. Some of the best collections that are normally picked up on Thursdays will be moved to Wednesday, November 22nd, and pick up will return to normal on Friday, November 24th. There are also two special announcements this week from Columbia Animal Services. Columbia Animal Services is sponsoring the Carolina vs. Clemson donation drive. Donate at Columbia Animal Services or through Amazon using the QR code on your screen. Make sure to specify a team with your Amazon purchase. You may make a donation until Saturday, November 25th. Also, Columbia Animal Services is hosting an adoption special for only $23. Thankful for your adoption special. This adoption special will be available on Monday, November 13th and will be available until Wednesday, November 22nd. Thank you for joining us for This Week in the City. If you have any questions about any of the information we've shared, please contact Public Relations, Media and Marketing by calling 545-3020 or you can email us at PIO at ColumbiaSC.gov. You should also connect with us and follow the city on all social media platforms including Facebook, Twitter and Instagram as well as our YouTube channel. And remember, we are Columbia.


Let me teach you top's pristine baseball hobby eight box divisions. Again, here is the, I have one team for spots. About a 50. So just keep them there because I'm going to stack here. And pristine boarder, Lady Cabrera, our movie vet, Coach Al, first sheen beaver, the refractor, the rant, every time. Rookie, Joe Malloran, Rookie, Frank Thomas, and Rookie, Jake, Barbara, Alpita Lonzo, they're sticking together. Beakman Rookie, Austin Meadows, we've got gold glitter torres for the Yankees to 50.  I'm not sure. And A Brandon Lau, for the race on the Scythe to the Star. I'm not, I'm not sure on that, Nick. I don't think I have, Dawson, Polar, Shea Buzz, Roberta Clemente, I don't think I have, Dawson, Polar, Shea Buzz, Roberta Clemente, and Peer Power, Hobby Bias, Gilbert Rookie, and Wanderfrock O'Rookie, there you go, Rays.  We got five boxes of F1, Sapphire, Big Forest, and last time we checked, there were six spots left in that, so let's get that filled up, so it's ready to go for it. I'm after this break. We appreciate all the support, getting everything filled up so far, this morning, Peer Power, Raffy Dovers, Stutt Matt, Borders, Beatty Molina, Castro, Rookie, Pristine Borders, Martinez, got Pristine Borders, Rod Karoo, through the case cards, Kev, Cormac, Rookie, Shohei, and Borders, Jose Breen, A's on the goal, Blue, Whit Merrifield, Royals, TJ Frato, Rookie, García, got Gold Auto, Barry Zito, for the A's, on the Gold, 42 out of 50 on that one, A's, Rookie Auto, Gavin Sheets, White Sox, we've got Todd Helton, Rockies, Peer Power 1, Gonzalez, for the Rangers, Rangers, Gold, kind of, got Mark McGuire Auto, Cardinals, Sweet Hit There, St. Louis, not numbered, and we've got a Red, Christine Matthewson, five of five, Giants, so that's the Francisco Giant Ben, all right, Giants on that one, five of five, that's cool, throwback, a Buster Posey, Blue Key, Kyle Hendricks, for the Cubs, on the Color Match there, Ricky Henderson, out of 15 on the P, another A's hit, Gold, Chris Bryant to 50, we've got Patrick Corbin Auto, Washington, Peer Power, Adolas Garcia, Rangers, and rookie, Ronnie Dawson, Big Cousins, Ichiro, we've got Borders, you've got Darvish Padres, Magnum McGuire, Magna Mag, having Sheets Rookie, Curtis Terry, we've got Borders, a Brandy Rose Renna, we've got Peer Power, Ronald Julia Jr., Sprint and Marsh Rookie, we've got Borders, up Steve, Sosa, Slater, I know Corki, he's one of the FedEx, maybe she got back, and with the helpers, I have no idea, Wonder Franco Rookie, I go Raze, we've got Brian Dela Cruz Rookie, Marlins, Adams to 50, Adames, Adames, Adames, Joe Morgan, DJ LeMay, you purple, and we've got a Jesse Winger, Slice of the Star, Reds, Winger, and Gold Max Kepler, Nationals, Jackie Robinson, Bray U, Jose Elton, go ahead and do some, and case parts, we've got Matsui Yankees, a Bridal Bruhan Rookie for the Raze, Nolan Aronato, Cardinals Auto, Blue, Banner Bogarts, Boston, we've got Orange, Chubby Bias for the Mets, that is out of 25, and Blue, Rock to Blue, Angels, five to go everyone, on that Sapphire, let's get that filled up, that's gonna break with force, right after this one, again, let's get it filled up, so it's ready for us, five to go, beautiful cards, Love Love Sapphire, we've got Red, Paul Molliter, there you go, Brewers, out of five, second red up the case, four or five on that one, there you go, Brew Crew, O'Neill, Brews Rookie, Pirates, Henderson, we've got Popular Demand, Patch Auto, Red Sox, Rapidevers, nice, Force Boy there, yeah, yeah, MVP award definitely goes to Forrest, he's been doing all the behind the scenes getting everything set up, every morning, taking everything down, making sure everything's good to go for the break, so, MVP, MVP is Forrest Moves, Matt Sui, Five Gallon, Purple, Andre Stocks, again everyone, let's get this next break filled up for him, so he's ready to go, Sapphire, F-15, Boxes, one random team for a spot, definitely a high hit potential there, some big cards, you know, one F-1 team for a spot, one F-1 team for a spot, we've got Borders, Rod Karuch, Chines, Force even signed an autograph yesterday for a fan, that's how famous he is, he came and asked for his autograph, here, Power, Hank Aaron, Pedro Martinez, Snyder, Tomei, Borders, Freddie Freeman, Carl Sainz, Sammy Long, Goga Shep, for the Blue Jays, any autographs requested today are going to be $10. I'm only doing three one day yesterday. Can you see the, the Lawrence Shield tournament, haven't it spilled? Was it already? Jeez. Here, Power won Soto Nationals here or just in general? Yeah. Was it pulled at the National or? I don't know. I wanted to show you a picture that someone said in chat earlier. Borders, Jose Braio, I'm super excited for Anthony football tonight, set the beer rookie, we've got borders of one Soto insert first, expected cards. It really depends on the set, Nick, different inserts and parallels in each product. What you mean? Borders would be considered an insert. These are base, all these that look the same are considered base. So a few that you see that are different are the inserts and parallels. We've got borders, Yachty Molina, and again it's different for each product. There's usually a base set of cards in each product, and then you've got the insert, parallels, here, Power, Mike Trout, we've got Angels, these ones, we've got Purple Cedric Mullins, popular demand patch auto white socks of Jose Braio. This one there, pretty big too. Nice. Not all products have key sips. Again, it also depends on the products. Hey, Lane, where is everybody? Orange George Brett, and like for optic football, the key sips are downtowns. There's also a lot of different short prints. We'll do some of these in case now. We've got Wong Gonzalez, a popular demand, Chris Bryant for the Giants. We've got Orange Parallel, Rocky O'Neill Cruise Pirates, and a big bow. Big hit there. Nice rookie auto. I believe that's numbered to 25. Very nice O'Neill Cruise. Doug Williams doing well today. Gold Strasburg. Liam Hendricks blue, another Liam Hendricks. I'll open the last box now, guys. Cedric Mullins, we've got Dylan Carlson for the Cardinals. Don Mattingly Yankees, we've got Gold Willie Adonis, Orange Rosario to 25, Pete Alonso Metz, Josh Donaldson. We've got Jordan Alvarez, slice of the star. There you go, Astros. Nice one there, Stros. O.D. Got Gold. Dunio, Dunio. Dunio. Brace. All right. Eastpacks. Open the last box there. Borders Francisco Lenore. Again, everyone. Five to go on the next break with four. Five boxes of F1 Sapphire.  Beautiful, beautiful product. Borders of Shohei Otani. Get one F1 team. Get one F1 spot. Pure Power G. Winfield. Borders of Cunha Jr. Big Case. Uh-oh. I didn't see it though. I didn't see Donio Cruz either. That was a nice surprise. Baby Watch. What are the next 24-48 hours? All right, here we go. We've got King Griffey Jr. Mariners. A Dale Murphy Auto. For the Braves. Pull one there. Marcus Semi and Gold to 50. Blue Tatis Padres. And Harmon Kilgrew. These. Gold Ozzie Smith. To 50. And Paul Dion. For the Carnals. On the Slice of the Star. Sanchez. Got Purple Marcus. The Rockies. A little color match there. Get everyone, let's get this next break filled for four. F1 Sapphire breaks next. Right after this break. One F1 team per spot.  Come on guys, Sapphire at the National. Yes. Tatis Padres. And those are some big hit potentials. The cards are going for a pretty penny right now. Let me tell you. Variations, nice color. Reggie Jackson. Some of those bigger cards go for a couple grand. Draw. Looks magic. Get a good grade on them. Crookie. Prennick. I need to get a hot dog later. I haven't tried one yet. A sub yesterday was so good. Babebrew. We've got borders of Adrian Beltry. Again everyone. This is the last baseball break. F1 next with spots still left. Got to get that filled up. And then we'll get into some basketball. Mike Piazza. Christine Borders, Max Kepler. All right, here we go. Last few cards. Calricken Jr. We've got Wanderfranko. Rookie Otto Reyes. Boom! Nice hit to 99. Tampa. On the Wanderfranko. Rats on that. Big hit. We signed that pretty big too. Very nice. We've got Deven Wrights. Mets. Orange Rookie of Ronnie Dawson for that. Show us a little color match there. Stros 25. Blue Rookie Wanderfranko. Wow! Reyes killed it. This last box. To 75 on that one. Rookie Otto and Rookie to 75. And last one. Nick Castellanos. All right, everyone. That'll do for Christine. Thanks again for the fill. We've got some F1 coming up as soon as it fills.