Hello and welcome to the session. In this session we will discuss how to find equation of circle in coordinate plane. We can write equation of a circle in a coordinate plane if we know its radius and coordinates of its center. Suppose we have a circle with radius r and center with coordinates hk. Now let the ordered pair xy represents any point on the circle. We know that distance between any point on the circle to the center is radius of the circle. So, distance from the point with coordinates xy to the center with coordinates hk is equal to r. So, by distance formula we have square root of x minus h whole square plus y minus k whole square is equal to r. Now squaring both sides we get x minus h whole square plus y minus k whole square is equal to r square which is the standard equation of the circle with radius r and center with coordinates hk. Now if the center is at origin then the equation of the circle becomes x minus 0 whole square plus y minus 0 whole square is equal to r square which implies that x square plus y square is equal to r square. Let us discuss an example. Find the equation of the circle with center having coordinates 1 minus 5 and radius 2. Let us start its solution. We know that standard equation of the circle is given by x minus h whole square plus y minus k whole square is equal to r square where the ordered pair hk represents the center of the circle and r represents the radius of the circle. Now here we are given coordinates of center as 1 minus 5 and r as 2. So substituting r is equal to 2, h is equal to 1 and k is equal to minus 5 in this equation we get x minus 1 whole square plus y minus of minus 5 whole square is equal to 2 square. This implies that x minus 1 whole square plus y minus of minus 5 is y plus 5 whole square is equal to 4. So this is the required equation of the circle in standard form. Let us see another example where the circle with center o is given to us on the coordinate plane and we have to determine its equation. Here the center of the circle is at the origin that is point o with coordinates 00 and from this graph we can see that radius is equal to 2 units that is 2 square boxes and we know that equation of the circle with center at origin and radius r is given by x square plus y square is equal to r square. So we put r is equal to 2 in this equation and we get x square plus y square is equal to 2 square which implies that x square plus y square is equal to 4. This is the required equation of the given circle. Thus in this session we have learned how to find the equation of circle on the coordinate plane. This completes our session. Hope you enjoyed this session.


In this presentation we will generate analyze print and export to Excel a report that will show the expenses broken out both by their nature and by their function.  Here we are in our not-for-profit organization dashboard. We're going to head on over to Excel to see what our objective will be. So we're going to be within Excel. Last time we created our statement of activities, we're in here on tab 10 by the way and we are on cell T49. The statement of activities, basically the income statement breaking out that information between the amounts that are restricted and unrestricted. Now then we have to give the other information with regards especially to the expenses and that's going to be broken out both by nature and by function. Now note here on this statement of activities we have it broken out by their function, what they're used for, which is going to be like programs and the general and admin. In our system we have it a little bit different because we have it by nature here because that's going to be the default for the zero system. But the bottom line is you've got to report both of them and you want to give it to somebody like the board in some way that's going to be digestible. So that means so whichever way we have it here we typically don't want to put both nature and function in the statement of activities although we could because it would be a bit overwhelming. Now remember when we break this out why do they need both of this information? Because a company only has by nature, what's this by function thing? Why do I need to know the expenses broken out by program? Just remember that for a for-profit the point of the for-profit is to generate revenue. So that's the point whereas we're not for-profit it's to be spending the money in accordance with the programs. So when we're thinking about decision making or how well the organization is doing a major part of that is how efficient are they with regards to the expenses that are being spent on the program as opposed to the general and admin expenses which those things are important but to have a lean program that's really doing their purpose well you would expect that they would spend a larger portion of their money on the program rather than the general and admin and the fundraising activities. So that's why we need the breakout. So the format of the schedule then it's going to look like this. Now this schedule has the expenses by their nature what we would normally have them broken out by and then also by function the two programs and then the admin and so on and then the totals. Again note this reports a little bit overwhelming so if you put this report in with the normal statement of activities it could be a little bit overwhelming so we're going to try to break this out in chunks to make it digestible for decision making purposes especially with those who might not be professionals at looking at financials and even if you are again these are a little bit different than normal financials and it can be a little more confusing in some ways. Here we are back at zero now so let's open up our reports. I'm going to hit the accounting dropdown. I'm going to open up our statement our income statement worksheet. Now this is the one we typically will be working with the income statement worksheet not our finalized report but when we're generating this information I think the worksheet is a good one to be working with that basically mirrors our statement of activities where we have the restricted and unrestricted activities and then the total. Now we're drilling down on this unrestricted column and we want to break out mainly the expenses by their function rather than just by their nature down here. So I'm going to right click on this tab up top I'm going to duplicate that tab then I'm going to go back to the tab to the left and we're going to open up just a standard income statement. Now well before I do that let's hit the accounting dropdown. We also have the unrestricted worksheet so we've also we've basically done this already so I'll hit the unrestricted worksheet which is going to be breaking this information out. We'll actually do it straight from the income statement though to basically rebuild this so we can practice it. But note here now you have the four categories including a subcategory the two programs the program total the admin and then the fundraising and then you have the total by formula and then you have the total by category. So the only thing we really need to remove here are these we only need one total column so that's and everything else is pretty much straightforward on this looks like a solid report and we could change the net income we'll do that when we export. So let's recreate it real quick and just not have the total columns over here so we get the practice of just picking up and using the zero functionality with the report. So I'm going to right click I'm going to duplicate it again I'm going to go back to the tab to the left and we'll make it a bit more quickly this time since we've seen it before but I want to just show you this construction of it so we'll go to the income statement so we'll go to the income statement and this again we're going to be making our internal kind of report for it now so the date range looks good I'm going to go down to editing it now so we're going to be editing and we're breaking out basically the unrestricted categorizations so I'm going to go up top we're going to say I would like to see another column and we want to see the unrestricted so we want the unrestricted going to select the drop down now first I'd like to see the two programs and the two programs are education and the community service so let's see the education first and then I'm going to click off of it and double click on our item over here and I'll keep the 40% I'll keep it education 40% and that's it then I'm going to go back to the total I'm actually going to just delete the total I don't need I don't want the total column here because that's the total of the whole income statement I'm only looking at the amounts and the unrestricted so I'm going to trash can up top going up to the trash can then I'm going to go back and we're going to make another column so we'll make another column unrestricted I'm looking for then the other program and then I'm going to make community service the other program clicking off of that double clicking on the name then and removing that the 2020 so we will remove the 2020 and there we have that now we could make a total here for the total programs or we could not and just keep going with the expenses I'll make a total because I think a lot of people you know when they do the comparison they might want to see the total because that's what they're looking for the total in the programs compared to the admin and the other and the other kind of thing to see how lean there are how efficient they are one judgment you might try to make with a not-for-profit so I'm going to say this time I want to see a formula I want to make a formula and just add those two up so formula I'm going to insert then the education plus and then I'm going to insert the community service education plus community service I'm going to name this total total programs so total for the programs and then I'm going to make another column for the unprogrammed stuff so I'm going to make another column and this one we're going to say unrestricted as well and now I would like the drop-down and we could pick up the admin so we need the admin I'm going to double-click on the name remove the date so there we have that and then we'll pick up one more there's one more category so well there's one more category and then we'll have the total column one more unrestricted and then I'm going to select the drop-down and then we want the fundraising so fundraising clicking off of it double-clicking the title and then removing the 2020 and then I'm going to make a total column which will basically be these three columns because this total column sums up these two so the total could be this plus this plus this plus this or simply the total program plus admin and fundraising so let's do that we're going to make the another column and we're going to make it a formula type column another formula type column and then I'm going to select a drop-down I'm going to be picking up the total programs plus drop-down then the admin plus drop-down then the fundraising and there we have it if I scroll to the right that's going to be a formula I'm going to call it total all right so that looks pretty good so I did that fairly quickly but this is the second time we've seen it I just want to rebuild it here so we're going to say done and that should pull over this information now the main thing I'm looking for is to break out the expenses so I might actually name the report to to to break out the expenses by both nature and function even though we have the income statement up here so on the income side of things so in essence when I when I export this to excel we may just delete basically the income income statement side of things because our focus of course is on the expense side of things and you know we can actually maybe even delete the income side of things for for this particular report so let's actually check that out so let's go to the edit layout again and let's just be like I don't even want the income side of the income statement here and I'll and to do that I'll just select the whole income because these are all subcategories of income so I'll select the whole income thing and that's going to be a grouping within the formatted enough of the report and I'll just delete it it's gonna say go up to the trash can and we don't want that deleting this group will impact a formula so that's going to impact a formula that's okay I'm going to proceed anyways and then here's the cost of goods sold and then I'm gonna I I could delete that group as well because there's nothing in cost to get sold so I'm going to delete the group so there we have that and then the cost of goods sold I don't need that so I'm going to go into the cost of goods sold because we have everything down here in the in the expenses there's nothing in these accounts these accounts you see a lot of information here but there's nothing in them in our in our worksheet these are just in the chart of accounts there's no actually activity to them and notice if you mess this thing up not a big deal because it's not that it's not the overarching one is this these are the ones that we can always redo it so you don't have to worry about it so I'm going to say close proceed delete and then the gross profit we don't need the gross profits because that's just a formula and so I'm going to go up top and say delete that as well so delete and now we just have our operating expenses now then if I go down to the bottom of this thing all I really want is the total operating expenses so I don't need the operating income so I'm gonna delete that proceed and then other expenses we don't have any I'm gonna delete that delete proceed delete and then the net income we don't need that I'm gonna say delete that and that leaves us with just the expenses the operating expenses so let's see what that looks like going back to our report here and wow that's just what we need right there so that's basically out of a you know a lot of flexibility with the reporting there so we don't really have to do much of anything you know in excel to it to adjust this at all to make it to make it what we would like it to be but so now we're gonna export this for well let's save it first we're gonna go up top let's change the name for it so I'm gonna change the name I'm gonna call it expenses by nature and function something like that so that looks good let's go ahead and customize this one so I'm gonna copy this and save it as a custom report so I'm gonna save it as a custom report like so and then we're gonna save that so it's in our custom reporting let's check it out just to see if it's there I'm gonna go to the last tab now go to the accounting drop-down I'm gonna go down to the reports so within the reports we want to take a look at the custom reports and now you'll see that we have these are our worksheets and then we have our custom reports these are gonna be the two that we're gonna use for basically our final type of reports so I'm gonna go back on over and say all right that looks good let's export it to Excel cell and a PDF so I'm gonna and then we want to put it on that same Excel file we had before so I'm gonna export to a PDF file first shows up on the bottom left I'm gonna make this small I'm gonna drag it into my other where I want to put it so I'm just gonna take that and drag the good old drag and drop there it is let's open up the Excel sheet and open up Excel I'm not gonna drag and drop this one I'm gonna open it because I really want it in my other sheet so I'm gonna copy the entire sheet and bring it over to my other worksheet that's where we want to actually put it so let's open this thing up I'm gonna enable editing and then what I'm gonna do is I'm gonna copy that entire sheet I'm gonna put my cursor on the on the triangle to copy the entire sheet and then right click and copy it and then I'm gonna I'm gonna minimize this and I'm gonna open up our other Excel worksheet this is where I want to put it I want to put it on a tab in this worksheet though with the same one we open last line with the statement of activities so I'm gonna go down here and then add another sheet so we're gonna say add a sheet down here double click on it I'm gonna say this is expenses then I'm gonna go in a one you gotta be an a one or select the entire sheet right click in a one and paste it so now we have pasted expenses by nature and function now the total column is a little messed up here again so I'm gonna widen this out a bit so I could see it I'm just I'm going between G and F and just making it a bit wider you can also double click on it if you want and then I'm gonna go down to the I like to go to this page layout view because that'll show me where the page break is so notice it doesn't fit on one page so I'm gonna go back to the other tab you know there's a lot of different things you could do to fit it on one page obviously this cell is is really large so you could use a wrap text type of thing so you could say I'm gonna highlight these maybe and then and then go up top and say alignments let's wrap the text so if I wrap the text so alignment wrap text then I can make these cells I'm gonna hold I'm gonna hold B to G and I'm gonna make these cells a little bit smaller and it and the thing that was holding it back are these texts and they'll wrap now so that won't have a problem so and I might even be able to double click on them well hold on a second double click all right that was not doing what I want let's make it smaller and there we have that now the wrap text didn't expand this cell so let's make this cell a little bit larger so there we have the effects of the wrap text here I also want to highlight this and center it so home alignment center center so there we have it okay so we could do some more format into that but but that is pretty nice also note that that if you're deleting rows or something like this this merged column can kind of mess you up so just remember you don't have to merge the column up here I'm not even sure why they did it because it's a left aligned but in any case home tab alignment you can get rid of this merge thing and you'll you should still have the cells and then if you want to if you want to like center it across I could go like this to the whole page or just to the extent of the report possibly right click on it and then go to the format cells and then I'm gonna say alignment and I want to have a horizontal alignment across the selection so horizontal across the selection okay and so that's how you can kind of center it if you want to center it without without using that that merging thing that can mess up you know your formatting so there's our reports now we can give this to somebody to the we have two reports now we can give them to them individually or note note if these were all the reports we had and we're gonna keep on making more but you can also go to the file tab and if I needed to print these for example I could print them and I can print the entire worksheet now that's the key print the entire worksheet and that means I have my two pages and that makes it a lot easier to to to collate so I don't need to do anything funny I don't need to print two pages of ten copies and then you know collate them together and also if I have a cute PDF printer and you can you can Google search a cute PDF printer so instead of sending it to a printer I'm sending it to this thing this cute PDF printer which will make a PDF file of it which will now make one PDF file with the two files on it that I can then attach to something which is nice as well so let's do that I'm gonna go ahead and print this with the cute PDF printer it will actually send it to a PDF asking us where do we want to put it so here's it asking us where we want to put it I'm gonna say alright I'm gonna put it on this very messy desktop somewhere so we're gonna put it in here somewhere zero not for profit and let's put it here financial statements so let's do that so then we'll save it there and then if I close this back out minimize this and go into our information here now we have these two reports and the excel sheet so I could give this to somebody by basically attaching these two reports or I could zip these two reports by saying I'm gonna make a new folder and say financial statements financial statements then I can drag our two reports into it which is gonna be this one goes into the financial statements and this one goes into the financial statements and then to attach that one folder I could right click on that folder send to and have a compressed file and then I can send someone this compressed file so that's one way you can give it to someone that's a little bit nicer and then also now we have our PDF file that we can give one PDF file which has the two reports in it which is kind of impressive because because most people don't know how to do that so they might think that you did it with like a PDF writer or something like that to combine the reports so now we've got you know kind of the financials on the one PDF file which is pretty nice so we're gonna continue with the reports next time we'll continue adding to this but that's gonna be it for now let's get out of here


Mr. President, Monsignor Senator Persi and ladies and gentlemen, Mr. President, so we're happy, we're happy that you are here. We feel very honored that we again can entertain you at our headquarters. In 1980, as a candidate, you are our guest, and we had had very high hopes for your future. And now you return to us as the President of the United States. We have supported where necessary. We also wish to inform you we support your position in Central America and Communists. The government may be, but certainly the heart and soul of Poland will never be communistic to present the President of the United States of America. Thank you very much. Thank you. Thank you. Thank you all very much. Thank you. And thank you, Al Majewski. As a matter of fact, I would have rather just stood there and listened to you some more than come up here and talk. Now the paycheck, Senator Persi, and I know your Secretary of State is here, Jim Edgar. You ladies and gentlemen, the distinguished guests who are here, our country is composed of many cultures, races, and ethnic groups. But there's one thing we all have in common, something that ties us together as one people and is at the very heart of our national character, and that is a fervent love of liberty. I found that I can't lean on this on account of if I do. It sinks. Stop leaning. It's this heartfelt conviction that today finds us, not just Polish Americans, but all Americans. And it binds us with those who struggle for freedom and independence in Poland. Let no one mistake our fortitude. Time may pass, but the American people will never, never forget the brave people of Poland and their courageous struggle. It seems like only yesterday when all of us were so filled with hope, solidarity, a truly independent labor union had emerged. And with it came new recognition of freedoms of speech, press, and the right to free association to strike and to reap the fruit of one's labor. Perhaps nothing more clearly demonstrates the repressive and insecure nature of communism than the tremor felt throughout the communist world as a result of Polish workers and citizens exercising in the alienable human rights, the rights that are so fundamental to free Western societies and that we too often take for granted. Solidarity was born not only of the failure of the Polish government to meet the needs of its people, but also from a noble tradition of freedom, preserved and nourished by the proud Polish people through two centuries of foreign and domestic tyranny. Symbolizing the battle of real workers to sustain fundamental human and economic rights in a so-called worker state, solidarity sought to address and to resolve Poland's deep-rooted economic ills. It acted in good faith and it pursued a path of constructive dialogue with the Polish government. Despite these peaceful efforts on the part of solidarity, a brutal wave of repression descended on Poland on December 13th, 1981. The imposition of martial law stripped away all vestiges of the newborn freedom. Polish authorities resorted to arbitrary arrests, imprisonment, and the use of force, the free flow of people, ideas, and information was suppressed, a darkened cloud descended on Poland. But not all has been darkness. Despite the unyielding repression for the last 18 months, the will of the Polish people has not yet been broken and we've seen that on television over these last several days. And the papal visit to Poland which ends today is truly a ray of hope for the Polish people and an event of historic importance. During these eight short days, during these eight short days, the Pope's message of hope and faith has helped to inspire millions of Poles to continue their struggle to regain the human rights taken from them by the Polish authorities on December 13th. I was deeply moved as I know you were by the Pope's outspoken defense of the Polish people's human rights. His frequent statements of support for the interned, the imprisoned, and those dismissed from work for their political activities were poignant reminders to the Jaruzelski regime and the Soviets that they cannot hope to permanently erase the historic August Accords. Freedom loving people everywhere support his holiness call for social renewal, social justice, and reaffirmation of national sovereignty. I've long felt that many, if not all, of the problems faced by the Polish people could be resolved if Warsaw's neighbors would permit that beleaguered nation to work them out undisturbed. And you're aware of the neighbor particularly that we're talking about. You know, I've developed a new hobby. It is one of finding and then verifying from some of the dissidents who are here in our country who have escaped. The jokes that the Russian people are telling among themselves which shows their cynicism about their own government. And one of the recent ones is that they were saying that if the Soviet Union let another political party come into existence, they would still be a one party state because everybody joined the other party. I have to tell you the latest one that I've found is so typical in this too is of the Soviet Union and its failures. The story is that a commissar visited a collective farm and grabbed one of the workers to talk to him and said, how are things here? Oh, he said, everything is just wonderful. He said, there are no complaints, haven't heard a single complaint. Well, he said, how are the crops? Oh, he said the crops never better. Everything just fine. What about potatoes? He said, potatoes. He said, if we piled them up in one pile, they'd reach the foot of God. And the commissar said, this is the Soviet Union. There is no God. He said, that's all right, there are no potatoes. But seriously, the need for dialogue and reconciliation in Poland has never been more evident than it was during the Pope's visit. The gulf separating the Polish people from their government remains vast and nothing showed this more clearly than the faces, the words and the signs carried by the millions of Poles who traveled great distances to see and hear the Pope. His call and the need to find a humane way for a peaceful and rational solution to the conflict offers the only prospect of bridging this gap between the people and their government. I suspect that the Polish people are even more ready in the aftermath of his visit to begin a dialogue, but the real question is not the willingness of the Polish people, but that of the Warsaw government. I urge the Polish authorities to translate the restraint they showed during the papal visit into willingness to move toward reconciliation rather than confrontation with the Polish people. I was also impressed by the Pope's words on the importance of free trade unions and his quote of Cardinal Wesinski's, the comment that there is an innate right to form free associations and that the state's only role is to protect it, to protect that right. The actions of the millions of Poles who attended the masses around the country, inspiring the spirit which gave rise to solidarity still flourishes in Polish hearts. There is only one way for the Polish government to gain the confidence and trust of its own people and that is to end martial law, to release political prisoners, to restore freely formed trade unions and to embark on a path of genuine national reconciliation. We are currently consulting with our allies on the Polish question. Once these consultations are complete, we'll decide on how to proceed in our relations with Warsaw. In the meantime, I would only repeat what I said in my December 10th speech. If the Polish government takes meaningful liberalizing measures, we are prepared to take equally significant and concrete steps of our own. Moreover, the United States will continue to provide humanitarian assistance to the Polish people. I know the great sacrifices which so many of you and the Polish American community have been making to send assistance in the form of food and medical supplies. We too have participated in this humanitarian effort with more than $40 million worth of aid distributed through CRS and CARE. As I've said before, if the Polish government will honor the commitments it has made to basic human rights, we in America will gladly do our share to help the shattered Polish economy just as we help the countries of Europe after both world wars. I've talked of freedom. We've talked of freedom many times. Many of you have seen firsthand there in visits to relatives or in being there before you came here, what is going on. But many, to many of us, freedom becomes a word and particularly to our young people, they hear it so often and they don't have an opportunity to really know what is so important about that word. And just a few days ago, I received a letter from a woman who has just returned from a visit to relatives in Poland and yet it was her first visit there. And she said, I felt that I owed you this letter. Until three weeks ago, I supported a nuclear freeze and arms reduction and she went on with some of the other things. But she says, not anymore, not after what I have seen. I only read a few paragraphs. She said Poland is a concentration camp encircled by the same double strands of barbed wire that is displayed at Auschwitz and Buchenwald. Camps so atrocious, they have been preserved so that we shall never forget and never permit this sort of thing to happen again. But it is happening today in the great nation state of Poland. The fear in the faces of men, women and children is also a reminder of things past. People speak in whispers, look over their shoulders constantly and a few brave young people will tell you that people still disappear daily from their jobs and their homes. As an American observer, I see little difference between the Gestapo and the KGB. She goes on eloquently about other things there that she's seen and the differences. She says, I too support human rights. I was in Warsaw and Krakow and I was asked by the people there if people in America understood what was happening in Poland under Russian domination. I said no, no because we don't know fear, oppression, religious censorship. We have never known the hopelessness that comes from living under a dictatorship. If there could only be one protest march in Poland today, Mr. President, it would not be for arms reduction or jobs or food or even clothing, but rather for the most prized and valued fundamental right of every living soul in this universe, freedom. And then she asked that we keep that light of freedom burning here because the whole world is watching and living by its glow. The visit by John Paul II to his homeland was an inspiration to all who cherish freedom. It vividly showed that no one can crush the spirit of the Polish people. The moving words of the Polish national anthem. Poland has not died while we yet live are more true today than ever. The spirit of solidarity that unites the Polish people with free people everywhere has never been stronger. I thank you for letting me be with you. There's brief time here today. God bless you all. And we shall stay together and we'll let Poland be Poland. Yes, Mr. President, God bless you. And we are all for you. Everyone met Charles Percy. So just like the chairman of the Senate for relations committee of the United States. I know Nancy would want me to thank you for your donation to the National Federation of Parents for Drug Pre-Union, A&A House of Delegates. And I want to congratulate Dr. Yurka and Dr. Boyle on their new positions. I can't help but think that what a great place this would be and what a great moment to have a low back pain would need a second opinion.


Hey, Psych2Goers, and welcome back to another video. Are you having trouble getting a full night's rest? Do you go to bed at 11pm helping for a good night's sleep, but wind up waking somewhere between 3am and 5am instead? Do you feel tired, foggy, and sluggish when you don't get enough sleep? A good night's sleep is very important for your health. Are you struggling to get enough sleep at night because of this? If so, let's find out what may be interfering with your natural sleep patterns. Number 1 – Your Lifestyle Choices How much of your daily and nightly routine do you build around ensuring a good night's sleep? Your daily and nightly routines are what will help determine how well you sleep at night. These five things can disturb your sleep patterns – drinking, caffeine, or alcohol before going to bed, eating food right before bedtime, staying up late on your phone or your computer, taking a nap too late in the day, and smoking. So we all want to stay up to date on Instagram, Twitter, and TikTok.  And with the business of your day, you might start to feel run down and droopy-eyed. But if you lie down and take a nap in the late afternoon or early evening, you'll be too alert and awake by bedtime to even be able to go to sleep. If you struggle with waking up in the middle of the night, think about your daily and nightly routines and try to weed out some bad habits that may be hindering you from getting proper sleep at night. If you make the changes you need for a good night's rest, then you'll be well on your way to sleeping through the night. Number two, your emotional state. Can you recall a period of time when you slept well every single night? Did you have better sleep during a lighter, happier time in your life? Your emotional state has a significant effect on how you sleep and your quality of sleep. Your emotional state can be left in turmoil if you're experiencing a time of heightened stress or anxiety. And this can lead to sleep disturbances. Stress and anxiety trigger your ingrained fight or flight feeling. And this will elevate your heart rate, quicken your breathing and increase the stress hormones in your body, all of which make it more difficult for you to sleep peacefully. If you're struggling with sleep and anxiety in your life, try a guided meditation before bedtime. Deep breathing exercises will also help you relax enough for sleep. Taking a hot shower or bath will help de-stress you enough to wind down properly for bedtime. These tips can help you with your stress or anxiety and in turn help you fall asleep and stay asleep. Number three, low blood sugar. Did you know that low blood sugar can cause your brain to wake you up in the middle of the night? Your brain is very active during the night as it regenerates, repairs and converts your short-term memories into long-term memories while you sleep. However, since it's so active during the night, it also uses up a lot of your energy reserves.   If you find yourself routinely waking up and going to the kitchen to root around for a midnight snack, you may have low blood sugar levels and this might be the cause of your sleep disturbances. If you're having trouble sleeping through the night and are waking up at odd hours, do you now have a better sense of why this is happening to you? What are other reasons you think could be waking you up at 3 a.m. and 5 a.m.? Share your thoughts with us in the comments below. Please like and share this video if it helped you and you think it could help someone else too. The studies and references used are listed in the description below. Don't forget to hit the subscribe button for more Psych2Go videos and thank you for watching. We'll see you next time.


work to be done. I found a file folder full of Halloween themed things that I forgot I put together to do sort of a Halloween day of the dead sort of journal. And I remembered that I also wanted to try bleaching some black paper. So we're gonna try that. Now I wish I hear that you can do it with hydrogen peroxide and not actually with bleach. I don't have any hydrogen peroxide. So I have a small bottle spray bottle and fill with water. I'm not quite full. This has a bleach in it and I'm just gonna put a few drops. I want to use diluted bleach even if it takes a while to bleach the paper. So I'm gonna put I don't know I'm gonna try like 10 drops. Oh heck I'm just gonna put a dropper full. And then we'll put the lid on because the bleach smells and for those that don't know I'm asthmatic. Alright I'm gonna start with a piece of card stock aka a black file folder and this has some plastic bits in it. I need to throw away. On the last project I use this cookie sheet for. Okay some of these cookie sheets have paint and ink and whatever on them from the last time I put something in here to dry that I was dying or whatever. That's okay if it transfers I don't care. So I'm going to just hold on. I'm gonna just spray and this is a piece of card this file folder so I'm gonna spray like all the sides. I'm gonna set it aside to dry. I'm gonna do all these pieces of paper this way really quick before my meeting. And it's gonna work I can tell you already because this one's already starting to lift. So we'll let it dry and we'll see what we get at the end. I'll be back. Now I may also drip some straight bleach on the paper too which I think I'm gonna do really quick. It's working. I might want to do this two or three times before I get the distressed color that I want but cool. How much time do I have left? Three minutes. I'm gonna wash my hands really quick and clean up and then get to my meeting. Okay guys the bleached paper came out great. I took some of it. I have extra which I'm not mad about and I took some of it and I cut them to size and I folded them in half already a piece of the black file folder cardstock paper for the cover and then the black drawing paper for the inside and before somebody asks me in the comments below. Okay these are a little bit smaller than the cover so these should be about six and three-quarter inches tall and I think 11 inches. The paper was 11 inches and I trimmed it so now it's about ten and three quarters inches long and then fold it in half. Okay and then the cover is like seven and seven-eight. I'm sorry six and seven-eight since it's just tall and a full 11 inches long. Again fold it in half so I folded these in half put them down flat and then I evened up all the edges with a exacto knife and a straight ruler. Now I'm going to just center them along the fold in the cover. I'm just gonna eyeball it. Anybody who knows how I make journals knows I can't be bothered to measure anything out. Alright and if you're watching this part you already saw me bleaching the paper and if you missed that part like I'll put it go back to the beginning of the video because I'm gonna put that first. Anyway once it was bleached and dried I ironed it flat and it came out great. Alright I have some black thread I couldn't find it I could only find these two and then I found the black so we're gonna use black. I need my pokey tool. I'm just again I'm gonna eyeball it on the fold I'm gonna eyeball the center and I'm gonna poke one hole keeping my fingers well apart from where the pokey tool should come out so I don't stab myself because blood on the journal is a bad idea. About an inch or so from one end and about an inch or so from the other end and now we've got our three holes we're gonna just do simple pamphlet stitch. I can't be bothered learning any fancy stitches. I know I know I'm lazy I'm aware you don't have to tell me. Now I just have to find the end of the thread. There we go. This is a waxed linen cord made for bookbinding. Are there scissors in this kit? Yes. So this is a little kit of tools I keep that has all my bookbinding tools in it and usually one or two spools of thread. This is from the people at Zutter and I have had it a long time when I got my fairy first to bind it all at least a decade ago but I think it's been longer than that and I still own a Zutter but the tool bag is great. Anyway all right got a needle. We'll thread it. It's a large-eyed bookbinding needle. We'll go in the middle hole someday. Okay there we go. Pull the string but leave a couple inches on the inside then pick one of the outer holes and go in from the outside. Pull. Okay then go all the way down to the other end.  Okay and then back up the center hole and then I'm going to have the string on one side of this main center cord. I'm going to lift this up and push it over the needle so that when I pull the needle up I have the two ends on either side of this cord. I could have probably gone with less string but that's fine. You usually want to do about two times to two and a half times the length of this part. I always guess I never bother measuring obviously if you can't tell. Okay pull it tight and then don't trim it too close. Leave about an inch or so. There you go. Oops one bound journal ready for some skull stuff. All right that's the next part. Let's get to it. The journal started out as something I wanted to do because when I was sorting my collage images I found all these things that are black and white or shades of gray. So we are going to primarily focus on using these in the journal. I have some ideas and thoughts already and doing some journaling. I didn't think maybe these might fit in here somewhere and then this big image. The journal is much smaller than the image but we could make it work. So I'm going to do this in a few episodes and we're going to fast forward through the process. I'm going to decorate something on the cover now and then the next pages will be in the next videos. Let's get to it.


Hey guys, um, some actually pretty interesting news just happened. Drew Carpician, or at least that's what the audio book tells me how to pronounce his last name, whatever got in it, right? He's apparently just announced that he's left Bioware. He did a post on his blog talking about how he wants to move on to his own personal projects, including some more novels, a sci-fi graphic novel, as well as working with different game companies. Fogbank Entertainment and Foxnext Games. Apparently they're going to be doing an official announcement soon, talking about what they're going to be doing. Obviously this announcement is going to raise some eyebrows, considering the ongoing situation with Anthem. More people are leaving. Every time Bioware seems to get a leg up, it's always brought back down. There was the recent Anita Sarkeesian visit, and now that Drew has left, that's obviously going to raise some more questions. He doesn't mention anything about Bioware projects. He asks to not be asked about them in his blog post. He says it was cool to work for them, but now he wants to work on his own stuff. The only possible red flag about this is the fact that the game is still a year away. Anthem has gone through a few delays already, and maybe because possibly Bioware is pushing EA to have a full development time, unlike Mass Effect 3 or Mass Effect Andromeda. Now, it's in most common situations that the writer will leave once his job is done, once he has kind of formulated the entire story. Then at that point, the game designer kind of takes over for the narrative. The writer and the game designer are narrative keys. However, later on, the designer will make decisions based on what is right for the game, more so than the narrative. So we're interested to see what's going to happen, and we're waiting to see Bioware maybe make an announcement about it, because Drew did it himself. So what does that mean for Anthem's future? Is the game in more turmoil than it already was? I'm still kind of on the fence about Anthem in all honesty. It just looks like a third-person destiny, and I missed out on that whole blunder that was destiny, and I don't feel like jumping on the bandwagon for Anthem just because Bioware Bioware is definitely not the same company that he used to be. So what do you guys think? Do you think that people are going to be reading into this far more than they should? Even Drew actually admits that he says that people are probably going to be reading into this more than they probably should, but that's possibly just him. Drew is known for not really wanting to cause any issue. He's very straightforward. He doesn't like to stir the pot. Definitely it's going to be an interesting time to see what happens in the coming months with Bioware and with Anthem. Anyways guys, I hope you liked this video. I'm going to be possibly doing stuff like this from now on, doing some videos talking about news and games and movies, and just thought I would see if you guys enjoyed it or not. Anyways, that's all for me. I hope you enjoyed this video. If you liked it, leave a like. If you're interested in more, subscribe, give some suggestions and whatnot. Anyways, that's all for me. See you guys next time.


Good morning, good afternoon, and good evening. My name is Asha Bay, and I'm joining you live from Washington, DC, and the Office of Alumni Affairs at the US Department of State. Our office offers grant competitions and other opportunities for exchange program alumni. Thank you for tuning in to Mentor Talks. This is your opportunity to talk directly with leaders and mentors who excel in their fields. Our guest today is Aliza Alice Napartiva-Ungwe. She joins us live from Bangkok. Alice is the co-founder of SocialGiver, an award-winning social enterprise that helps consumers, businesses, and social projects to work together to create positive social impact. We're going to talk with Alice about SocialGiver and how you can use innovative ways to build your fundraising networks. We'll also chat about her experience as a three-time exchange program alumna. What would you like to ask Alice? Post your questions in the comments on Facebook, and we will get to as many as we can. Now, let's say hello to Alice. Alice, thank you so much for being with us today. Hi, sweetheart. So I'm so excited. And thank you so much for having me on your show today. You're welcome. We're so glad to have you with us. And thanks for joining us all the way from Bangkok. I'm more than happy to. So Alice, what was the idea behind SocialGiver? And what makes it so unique in the fundraising space? I actually started wanting to be more engaged with the social impact sector because I have been a volunteer. Pretty much started off quite early on back in school. But then I started to realize that there are other aspects into wanting to create change that could be more systemic. And so I was interested in engaging the public in a way that they actually enjoy wanting to learn more about how they can impact other people's lives at the same time as being able to embed doing good as a part of their lifestyle. So I was trying to find a way to actually evolve just volunteering on my spare time to be more towards how can I create a tool for other people to be able to use and be most effective at fundraising and creating social impact as well. OK. So was the volunteering that led you to create SocialGiver? I think it was a mix, but definitely from having firsthand experience and meeting quite a lot of amazing people who are working on the ground and seeing what is it that they really need help on. OK. So I think that leads us to our next question. Alice, you're one of our Faces of Exchange. You've been selected twice for the International Visitor Leadership IVLP program. And you are an exchange alumna of the Young Southeast Asian Leaders Initiative, or YCLE program. Can you tell us more about how your exchange program experiences have shaped your career? Oh, definitely. I think when I first started with the first program, I was still working in the private sector. And I have started SocialGiver as a prototype. And I found that the moment that I realized I was selected for that program, I was extremely grateful and wanted to learn as much as I can during the time period in which I was granted as a fellowship. So I think right after that program ended, I've also made a request to take a career break so I can fully explore the option of building SocialGiver at that time. And that was really the first program that I participated in. And that was a really life-changing experience for me. Not just about the people that I've been meeting during the program, but truly all the other participants that were on the program too.  And who are some of the participants that have impacted your life? Wow, I would say maybe, hopefully, some of them are actually online listening right now. I believe that a lot of our friends in the first, I would say it was a program based on social entrepreneurs as well that have been working in their respective countries. So actually, my first IVLP program was only about 20 participants. And everyone truly had their experiences. I don't feel like it will be fair for me just to name a few, but I truly feel that everyone, we're still in touch right now. We actually had a quick chat this morning as well. And they're also looking to update each other on how we're all doing. But I feel that the stories that they are actually living in their respective countries, they're creating even schools on boats or working with disabilities or even in terms of access to financial support. I feel that what they're doing is truly inspiring. And a lot of the products and services right now are truly making a change in their respective countries. That's great. So thank you so much, Alice. We have limited time, so why don't we get to some questions from our viewers? Sure. We have one viewer who asks, after making the transition to working on social cover full-time, what advice do you have for other aspiring entrepreneurs who want to make the same kind of career change? Wow. I feel that, especially in Asian cultures, our family is very influential in how we make decisions. So I know that a lot of the other social entrepreneurs may have had very similar problems in terms of getting their family and friends support from the very beginning. They tend to feel that doing good is a hobby and therefore not something that they see as a career path. I feel that to be able to be in this space is not easy since the very beginning. And a lot of the time, we just have to find ways in which we can set up prototypes on what we do so that we can slowly prove and build traction before we fully make a decision to jump ahead and do this full-time. So I myself have been trying to juggle both things at the same time until I realized that I've been working seven days a week up till midnight or 1 a.m. every single day until I have to draw the line and say I have to pick either one. Okay. So up until when you came back from your first IVLP, that was when you were starting to work on SocialGiver but also you had a full-time job and you were juggling both of those things? Yes. Okay. And then so when was it in like the past two years that you decided to go full-time on SocialGiver? No, right after the program. Oh, wow. I went full-time for SocialGiver. I realized there is a true market demand for this. There is many people interested in seeing how we can grow and scale the model further. And so for me, I feel that it's not easy to recruit people into a startup plus it's a social enterprise. So I find that sometimes we just need to make the leap and learn all the different pillars of the business ourselves before we can actually start building up the team. Okay. And so do you have a big team now? Oh, well, I would say it's a cozy size. We have 13 people at the moment. And of course, we're looking to always expand more. We're always looking for great people to join our company. And we find that we have a great culture and we really take pride in that and we really take care of each other and never just work on specifically what we are assigned to do. My team is extremely active in how they would be able to expand different opportunities because at the end of the day, the more that we can build for ourselves, the more we can also help other people. That's true. And that's the point of social cover, right? Definitely. Yes. So one person, we have another viewer who is asking about your volunteer work and how did you use that volunteer work to help you with your career? Well, I feel that volunteering has always been a part of my school's curriculum. And I felt that it was actually the first start in understanding people from diverse backgrounds. I feel that it's not always easy for us to go out and venture and understand those different social problems until we actually spend some time with those who are facing different challenges. A lot of the time, very, very different from us. And I feel that this is also a great way to start understanding the problems that you want to solve. It's not just about producing a product or a service that just satisfy our need to create, but rather our need to be able to solve problems for other people. Okay. And speaking of that, so what are some of the problems that social givers solve? The top one that we're looking to solve is the funding issue. We realized that it's not just smaller organizations, but I think certain organization of different sizes have challenges that varies. But we can see that a lot of the time, some projects, they're doing great work, they're very transparent, yet they lack the exposure and the engagement with the audience or potential people who want to support what they do for them to continue the really good work that they do. So I feel that social giver is able to solve not just from the fundraising sector in terms of supporting social causes, but rather solving other two types of problem, which is from the brands or business side. So we're talking about companies that want to be able to create shared value, as well as a part of their CSR program or more. And we want to be able to create a solution for companies that want to do good as well. A lot of the time companies tend to feel that, is it true that doing good is good for business and social giver hopes to be able to keep continuing to prove that it does. And another factor is for us to be able to help solve the problem from the consumer point of view, where a lot of the time consumers or donors, they actually don't know where the funding is going and a lot of the time, especially in Asian culture, we tend to feel that maybe if they were using the money in the wrong way, it's just their bad karma, but we feel that there's a lot more that we can do in terms of creating that traceability and transparency from a social impact side to create that trust for those who want to support these organizations as well. So it essentially becomes like a three-party transaction between the businesses that participate on social giver, our consumers, and at the same time, the social projects that are really great at working on the ground. So to be able to tie in everybody's challenges at the same time as creating a solution for all three parties at the same time makes our model extremely unique. That's, yeah, it is unique. And I like how you explain things on your website with the different, like, where the funding is going. So now we have a question from one of our Y. C. Lee alumni. They'd like to know, yes, how did your Y. C. Lee exchange impact you and what do you recommend other alumni take advantage of after their exchange? Definitely, I think the Y. C. Lee group, we had a great time. A lot of us are still in touch with each other. At that time, my trip took me to Myanmar for the ASEAN Summit, and I felt that that was definitely a great experience. And for us to also get to meet former President Obama as well, and to be able to engage our fellow social entrepreneurs that are within the ASEAN region, I feel that we have a lot of overlapping challenges, and we are looking to see how we can always help each other for myself. I know that I'm reaching, you know, basically the limit of the age group for the Y. C. Lee. So I think this is, I'm more of the big sister in the group. So of course, if any of the Y. C. Lee members are needing any help, just, you know, ask away. Ah, thanks. I'm sure they appreciate that. So we have another viewer who asks, what are some of the most successful ways you give, you encourage people to give? Well, we feel that one of the most successful way to give is consistency. You have to be able to understand the dynamics on each segment on how is it that they give, or what do they expect from the person who are the recipients. And a lot of the time, you know, we tend to give at, you know, different emotional peaks. It might also be certain time of the year that we give, but what social giver wants to do is create these clear incentive loops on how people keep coming back to shop for lifestyle experiences, while at the same time being able to help those that are in need. So that means our cycle of frequency is a lot higher than those that target only donors.  So we feel that with this type of, you know, consumer behavior, it actually allows them to do good more frequently and therefore be a part of their daily choices. And I find that to be quite valuable in the way that we're solving this problem. That's great. As a way of a comment from someone, my Patama Bunchu on Facebook who wanted to let you know you are so amazing and inspiring. Oh, thank you. That's really sweet of them. Yeah. Thank you. I hope to be able to get, you know, some feedback as well on how we can further develop or how we can, you know, help other social impact creators out there with our platform. Oh, that's great. I'm sure they will, they want to hear that. So we have another question from a viewer in the audience who asks, how do you recruit volunteers to work with you? Wow. So there are two types of recruitment for social giver. There are in, actually, I would say three. The first is to become full-time staff. We are still looking for great team members to join us full-time. Secondly, we are also looking for internships and we also have been accepting a lot of interns from around the world working with us. And lastly, in terms of volunteer. So when you talk about volunteer specifically, I think it's really about setting the right vision and the right targets for each volunteer. For us, every volunteer that works with us also has commitments on what is it that they want to be able to deliver within the time that they're able to work with us. So I feel that it's more of a discussion that you have with each of the volunteer that wants to work with your organization. In terms of recruitment, we feel that a lot of the time having an offline event gets people together really well and connects people before you actually can see what is it that would be their skill set that adds most value to your company. And that would allow great synergy, not just between you as management, but also with our staff along with the volunteers as well. So with social giver, we do have some offline activities that we host and those are great channels in which they can participate, even preparing for the event or during the event that allows them to let their skills really shine through. Oh, that's great. And so these offline events, is that how you also invite potential partners and how do you find out about potential partners and approach them? Wow, potential partners or what social giver we call them giving partners because essentially everything that you purchase on social giver is provided for free by every single brand. So we are talking about partners that truly cares about being able to give back, see the sustainability in which we're creating and that they want to be a part of making this being able to scale. So every giving partner that we work with are truly like top brands from all over the country and they actually have different ways in which they could give back, but they have to see that, being able to engage their customers as a part of the giving process is really one of the key things in making building loyalty as well as understanding how their brand truly stands for these sustainable goals. And so with each of the brands, I would say that we would even just cold call them. We would write to them if we would have the opportunity to be able to meet them in person. That is an excellent opportunity. We keep always creating opportunities for ourselves and a lot of the time, it's really been spreading by word of mouth as well. When one business is doing really well with social giver, they're able to work with us in a way that they see results. It allows them to truly share their story to other business owners. And I think referrals are a great way to how you build a platform that is sustainable like what we're trying to create. Okay, that's good. So when you, it looks like we have time for one more question and a viewer asks, how do you manage your communications with your stakeholders so they can see the impact they're having? Yes, I think this is a great question. Thank you so much for this. I feel that with the different stakeholders that we are looking to improve on this in fact, I find that it never hurts to over communicate on how we actually evaluate our social impact. We also want to make sure that the social projects are highly involved in the process and they truly know how do they want to move forward. So we do have both ways in which we connect to these projects offline as well as online. So offline we do host sessions in which our stakeholders can be a part of that discussion. It's almost like an open ended discussion where the project gives a few hours with social giver. We invite our business partner. We would hopefully this year invite some of our customers who were interested in that project to also have like a clear like discussion on how the stories are being created. But most importantly, how is it that they're creating that change? Most of our communication is still very much online. Our offline activities, I would say is quite, still quite limited. A lot of it is due to the resources of each of the projects that we work with and what we fund. A lot of them I would truly say are understaffed. They have very limited resources to ask them to come to Bangkok very often is also very difficult. We're actually looking for additional partners in which we could extend what we evaluate so that we can help broadcast this impact further so that it can drive more users to see that the more that they live and enjoy doing what they do, the more impact that they can create. So I would say it's really important and I'm hoping to also learn more and improve on this factor as well. We're still experimenting on many different ways and very much online with just some touch points offline currently. Okay. Well, I hope things go well with that and you're able to expand more because you're doing great work. So thank you very much, Alice, for being with us today and a big thank you to you, our online viewers, for joining us. Be sure to keep your calendar open for our next Mentor Talks. Visit alumni.state.gov for more info which will be posted soon. And for the latest exchange alumni news and announcements, be sure to follow us on Facebook and Twitter. Thanks for watching and we'll see you next time on Mentor Talks.


Hey guys, how you doing? This is your boy Rich from Rich TV Live and you too can join the club at richpicksdaily.com where you can learn how to win and trade. Guys, how you doing? This is your boy Rich from Rich TV Live, RichTV.io and we've got a pick for you that we brought to you first that's been a big winner with some big breaking news, GIVX, GiveX Information Technology Group, GIVX on the Toronto Stock Exchange in Canada, GIVXF on the OTCQX Highest Tier Exchange in America, big breaking news, 2021 fiscal year end results and fourth quarter 2021 financial results right here, right now, exclusively with your boy Rich from Rich TV Live. Now let's take a look, shall we? GIVX.com rewards your employees with a gift of choice. So revenue grew 7.1% to 55.2 million and gross transactional volume increased 19% to 6.5 billion compared to the 12 month period ending December 31, 2021 while customer locations reached 100,000 GIVX Information Technology Group Limited, otherwise known as GIVX on the Toronto Stock Exchange under the symbol GIVX and on the OTC markets under the symbol GIVXF is pleased to present its financial results for the fiscal year and three month periods ending December 31, 2021. GIVX reports in Canadian dollars and in accordance with international financial reporting standards, otherwise known as IFRS. So we brought you guys GIVX first. We're very proud of this. They've been a big winner for our community. Congratulations to investors all over the world and let's hear from the CEO. Our steady revenue growth and solid earnings reflect GIVX's commitment to increasing revenue with consistent EBITDA margins. Very, very important said GIVX CEO Don Gray who we've had on the show. We increased our point of sale gross transactions volume by an incredible 54% and increased our total number of customer locations to 100,000 despite the pandemic related challenges faced by our retail, restaurant and hospitality partners in 2021. So you can discover GIVX. You can see what they're working with here with Krabby Joe's right at GIVX.com and you can see right here your trusted partner for success. GIVX marks the spot. You can see some news and you can see some of the companies they are working with big, big names and you can also see some of their social feeds. This is their Twitter page right here. GIVX on Twitter. You can follow them on Twitter. I am following them on Twitter. Feel free to follow them on Twitter as well. Mr. Gray added our recent private placement in connection with our listing on the Toronto Stock Exchange strengthened their cash position to 35 million. So they got 35 million. They're generating revenue and they're growing. This cash will be used to enhance our technology, make strategic acquisitions and at the same time keep our balance sheet healthy. So love to know what you guys think. You can see here GIVX on Twitter and love to know your opinion on GIVX. So in addition to this fiscal year financial highlights all comparisons are relative to the 12 month period ending December 31st 2020. Revenue grew 7.1% to 55.2 million. Very impressive for GIVX. This is their LinkedIn. So feel free to learn more about them on LinkedIn. And you can see everything you need to know about GIVX on social media. This is their chart. We've been talking about them since they were at 73 cents. They've been as high as $1.05 since we've been covering them. You can see they've actually been as low as 60 cents in early December and they've hit a high, an all-time high of $1.25. And they're currently sitting right now at 92 cents which is well above where we started at 73. So it's already up nicely since we started. Clearly the trend is up and the question is where does it go from here? Now that they're reporting revenue growth and revenue growth is one of the biggest catalysts in this market right now. So it's going to be very interesting to see how they're going to perform moving forward now that the revenue continues to grow. So once again revenue grew 7.1% to 55.2 million. Gross transaction volume GTV increased 19% to 6.5 billion. POS gross transaction volume POS GTV increased 54% to 793 million. Adjusted EBITDA was 8.3 million in 2021 compared to 9 million in 2020. However, when normalized for the Canadian government COVID-19 wage subsidy which was 1 million in 2021 compared to 3.3 million in 2020. Adjusted EBITDA increased 28% in 2021 compared to 2020. Customer locations reached approximately 100,000. Congratulations to GiveX that is huge growth and lots of success for GiveX. You can see here what Lone Star had to say. You can see what Fairmont hotels and resorts has to say. And you can see what Wendy's has to say about GiveX. So customer locations reached approximately 100,000 and increase of 5,000 locations complete a reverse takeover transaction and listing on the Toronto Stock Exchange under the symbol GIVX. All right. And in addition to that concurrently raised 22 million through a private placement once they were listed on the TSX. You can contact the company, learn about their products, learn about them, follow their blog or contact them. All right. And if we go back up to the top here, fourth quarter financial highlights, all comparisons are relative to the three month period ending December 31st, 2020. Revenue decreased 4% to 15.2 million, primarily due to increased COVID-19 pandemic restrictions in the fourth quarter of 2021. Hopefully now that will be loosening and that'll be positive. POS GTV increased 81% to 269 million. Adjusted EBITDA was 2.4 million in 2021, compared to 2.9 million in 2020, mainly because of the revenue decrease noted above. POS locations increased 42% to 1,201. Fourth quarter operational highlights, GiveX shares listed on the Toronto Stock Exchange launched GiveX Pay payment processing solution. Burr Burrito installed GiveX POS online ordering, gift card and loyalty systems in all 170 locations. Buffalo Bills, Colorado Avalanche and Columbus Blue Jackets installed upticks for customer payments and analytics. Implemented end-to-end technology solutions in more than a third of Foodtastic's 650 restaurants across 21 brands. Brazilian companies distributed GiveX powered iFood card to more than 60 million users and 100,000 points of sale. Began installing GiveX POS online ordering gift card kitchen displays and pay at table systems, plus online ordering app in 40 milestone restaurants, Canada wide. So big, big news. In addition, they were also listed on the US exchange under the symbol GIVXF. And this was the news when they got listed on the OTC exchange right here, which was announced on March 21st. GiveX now trading on the OTC QX highest tier exchange in the United States. That's not a senior exchange. So be aware of that. Put GIVXF on your radar, put on your watch list, now listed and trading in America and obviously in Canada under the symbol GIVX. Thank you guys for watching. If you're not winning, you're probably not watching. We bring in the winners, we bring in the news, and we bring in two. First, what do you think of this news? If you like this news, smash the like button, comment down below, share the video everywhere, and subscribe. And remember Rich TV Live is strictly for information and education purposes. Please do your due diligence, do your research before you invest in anything we talk about or discuss here on Rich TV Live. In saying that, we believe this is a company that is undervalued, underappreciated, underexposed. It continues to grow. Its revenues continue to grow. And you can see here revenues grew 7.1%. And we're now at 55.2 million, despite the fact the company's trading under a dollar. I believe that this is extremely undervalued. Love to know what you guys think. Comment on the video. Do you like GiveX, GIVX in Canada, on the Toronto Stock Exchange, and GIVXF on the OTCQX in America, announcing their fiscal year and fourth quarter 2021 financial results? This is Rich from Rich TV Live, and I'm out.


Personal Finance PowerPoint Presentation, selling stock. Prepare to get financially fit by practicing personal finance. Most of this information comes from Investopedia. When to sell a stock, which you can find online. Take a look at the references, resources, continue your research from there. This is by Sham Gad, updated March 12, 2022. In prior presentations, we've been taking a look at investment goals, investment strategies, investment tools, keeping in mind the two main categories of investments. Fixed income, like bonds, the equities, like stocks. Using tools such as, for example, mutual funds and ETFs often being used by individual investors. But we can also be purchasing and selling individual bonds and stocks themselves. We're focused here on the stock side of things and specifically when to sell a stock. Theoretically, the ability to make money on stocks involves two key decisions. Buying at the right time, selling at the right time. Buy low, sell high, that's my motto. So make a profit, you have to execute both of these decisions correctly. Buying a stock is relatively easy, but selling it is usually a more difficult decision to make. So often times when we're investing, we've got the money we're investing and ready to do so and purchase in the stock is fairly easy process. Selling it can be a little bit more difficult to determine when we should sell it, what's the strategy we should be using, which stock should we be selling. So if you sell too early and the stock goes higher, you risk leaving gains on the table. If you sell too late and the stock plunges, you've probably missed your opportunity. What's an investor to do? So note that oftentimes individual investors are often theirs for the kind of like the long term. So if you're like saving for retirement, then you might not have as much difficulty because you might be using say mutual funds, for example ETFs and putting your money in for the long haul. And then you're going to be looking at these concerns more often at the point in time that you've got to withdraw. But especially if you're trying to get more of a short term kind of gains, when should you enter into the market? When should you remove yourself? Oftentimes you would like to enter the market when there's a dip or something like that. So you could get a lower price to go in and then hopefully, and if you're in a long term perspective, then you might write out more of a long term perspective. But if you're trying to get more of a short term gains, then you're playing the ups and downs, the smaller peaks and troughs in the market. And obviously you're going to have to agonize a little bit more over what's the right time to be buying, what's the right time to be selling, trying to find the golden rule, buy low, sell high, which is actually hard to do in practice of course. So many investors have trouble selling a stock and sometimes the reason is rooted in the innate human tendency toward greed. However, there are strategies that you can use to identify when it is and isn't at good time to sell. Selling a stock is hard. Here's an all too common scenario. So just realize obviously whenever you buy and sell stocks, no one is a genius. I mean, no one can read the market perfectly. So you're going to make bad decisions. So you've got to do your research the best you can, try not to make your trades based on panic, but logical decisions and then whatever happens, happens. You make some bad decisions as long as you made it consciously and not out of fear, then you just keep learning. So you buy shares of stocks at $25 with the intention of selling it if it reaches $30. The stock hits $30 and you decide to hold out for a couple more dollars in gain. The stock reaches $32 and greed overcomes rationality. Suddenly the stock price drops to $29. You tell yourself to just wait until it hits 30 again. This never happens. You finally succumb to frustration and sell at a loss when it hits $23. So clearly when things are on the upturn, our gut starts to say, hey, look, things are going good. Why would I sell now? I'm going to miss out on the future gains and notice that often comes out of fear. Well, if I sell now, I'm going to be silly.  Well, the thing was spiking, but then if it goes back down, if it goes under, then we often sell at the low point, like the $23 in this example, once again, out of fear. Well, now we're on a downward trend. I've got to sell it at this point. It's going to look dumb if I don't sell it. I'm just wasting my money and time. So what you want to do is try to say a rational goal that's not based on fear and then try to execute based on that. So in this scenario, it could be said that greed and emotion have overcome rational judgment. The loss was $2 a share, but you actually might have made a profit of $7 when the stock hit its high. This paper losses might be better ignored than agonizing over. But the real question is the investor's reason for selling or not selling to remove human nature from the equation in the future. Consider using a limit order, which will automatically sell the stock when it reaches your target price. So if you have a strategy that you think is sound going into it and you think that you might not be able to hold to that strategy, you might then make it execute automatically. So you won't even have to watch that stock go up and down. You'll get a notice when your sell order is placed. When should you sell? In general, there are some intrinsic reasons to sell a stock, i.e. reasons that are related to the stock itself and or the markets. So clearly sometimes you might be saying, well, I have to sell because I need the money or I need to sell because it's under like an IRA or something. And I've got to take this or something like that. But clearly if you're trying to play the market, then you're trying to say, when should I sell in order to maximize my profits? And that's a different question. So in addition, the investors may also have extrinsic reasons to sell by extrinsic. We mean reasons that are related to the investor's finances or lifestyle. Occasionally, the sell decision may be triggered by a combination of intrinsic and extrinsic factors. Let's look at some intrinsic reasons or factors first. Intrinsic reasons to sell. So when the initial buying decision was a mistake. So most experienced investors may have encountered this situation at some point. You've watched this stock or more likely a meme stock make phenomenal gains on a daily basis.  And now we put in money. We don't think it's going to. But just again, this is another act when you're trying to follow the market. You start to get moved by things that are emotional. It looks like an emotional thing here. This doesn't make any sense to me. But look, this move is happening. Whatever. I'm going to go out.  But as soon as you do so, you realize that you've probably made a mistake. The best course of action in this case is to sell the stock. Even if it means taking a small loss on the trade and to avoid making the same mistake in the future. Resist the temptation to chase hot stocks that are running on fumes as they may burn you financially. So you would like to make decisions on sound financial or have some rationale other than this is a hot stock kind of thing generally. So when the price rises dramatically selling a stock merely because it has risen dramatically in price isn't always the best course of action. So obviously if the price goes up, you're going to have an incentive to want to sell it at that point and take on your gains. So in some cases, the price gains may be justified by the company's underlying fundamentals. For example, it sells and or earnings may be growing faster than investors expectations. But in other cases, the price may have posted exponential gains purely on speculation or due to other reasons such as taking rumors or a short squeeze. In such cases, the investor would be well served by doing some research to try and ascertain the reasons for the stock gains. And depending on the findings, either sell the full position or sell part of the position and put in a stop order to sell the balance if it trades below a certain price. So if it spikes up, you might say, OK, why did it spike? What should I do at this point in time? You might do the research and say, well, do you think this is something that's reflected in the value of the stock that's going to be sustainable or not? And then you might say, well, if I might take some money out now, I might try to put a stop in case it starts to go back down. And if I see that decrease happening, then I sell it and still realize some of the gains at that point in time. If it keeps on spiking, then we keep on going with the ride possibly. So the more that the stock short term gains contribute to your overall portfolio, the more critical the sell decision. For example, if you bought 1,000 shares of a biotech stock at $5 per share when your total portfolio was worth $25,000, that stock constituted 20% of your portfolio. If after three months of that biotech stock, a quarter drop dropped on promising trial results. Well, while the rest of your portfolio is unchanged, it would now account for 50% of your portfolio. In this situation, it might be prudent to sell some of your shares and book part of the profits. So now in that case, of course, because that stock spiked and it was already a substantial part of your portfolio. Now you're heavily invested. You're doing good because you've got to gain on it. But now you're heavily invested in one company. You're not as diversified. So that would be another reason you would think to possibly readjust your position. When stock reaches your price target, have you ever owned a stock that has been down in the dumps for years, but suddenly has a new lease on life and is now trading at your original entry price? If you promised yourself that you would sell the stock if it ever came back to your buy price, dump it without hesitation. You shouldn't have been holding on to that loser for so long in the first place, but that's a subject for another time. Similarly, if a stock reaches a level that is traded at all too briefly in the past and you always thought that you would sell if it reached that price again, or would consider selling part of your position rather than regret another missed opportunity then why not sell all of it because of the next point? So when a stock trades at a technical inflection point, so when a stock trades near and then breaks below a multi-year low, it often pretends additional losses ahead. In this case, it may make sense to sell the stock as soon as the technical level is breached on the downside. Likewise, if a stock breaks through a key resistance level on the upside, it may signal more signs and a higher trading range for the stock, which means it might be advisable to sell part of the position rather than all of it. Technical analysis always watch stock price charge closely to identify other signals such as moving average crossovers. So when the fundamentals deteriorate, a stock's fundamentals may deteriorate when any number of reasons. Now you're looking at the fundamentals behind the stocks, looking at the financials for example. And that could happen because slowing earnings and or revenue growth, increased competition, higher costs and lower margins, or simply valuation, the first such signal of deteriorating fundamentals may come from a company's quarterly earnings reports or sometimes from guidance ahead of an earnings report. So obviously we're looking at stocks, the investing in the stock is based in part on their earning potential. So if they're not hitting their goals, that would not be good, you would think, for the stock price. Market reaction to negative news from a company such as an earnings miss or lowered forward guidance tends to be swift and unequivocal with stock likely to plunge by double digits. In such cases, the investor needs to determine whether the deterioration in the stock's fundamentals is temporary or permanent. Since this is no easy task, it might be preferable to sell and exit the position first, then evaluate if it should be bought back later. When a rival company issues bad news, often the problems affecting a specific sector may be highlighted when a bellwether company in that sector reports an earnings miss. So if you're looking at a related company to the company that you're running in, that might be a signal that the stock that you're holding could have similar issues because they're in the same sector. So if you own stock in a company that is that in the sector, consider selling it unless you are quite confident that your stock will not be affected by the sector's woes. When the market looks wobbly, this is no easy task and is certainly not a suggestion to indulge in market timing. But there are times when the broad market looks overextended. So, you know, you don't want to be thinking, well, what's the market like all the time and get to end the weeds on it. But on the broad basis, you're going to look at the the tropes and, you know, the ebbs and flow in the market overall. And you get a sense of the overall direction. At such times, it makes sense to to cull the weaker names in your portfolio. In a financial earthquake, stocks of companies that have a heavy debt burden or a weak financial position might be the first to collapse. So notice when you're looking at stocks, oftentimes companies that are trying to grow are going to leverage their company. They're going to take on a lot more debt because they're trying to finance the purchase of equipment and so on so they can grow faster, which works great if the economy is doing well. But if there's a downturn in the economy, they're not going to be able to finance as well. And if they've over leveraged, they don't have the strong cash position that's going to be not bad. I mean, that's going to be bad in a downturn. Extrinsic reasons to sell. Now we're looking at the extrinsic reasons, financial reasons. So obviously, if you need the money, this can include any number of reasons pertaining to the investors finances. For instance, a stock may have gained so much in proportion to the rest of the portfolio as in the example of the biotech stock mentioned earlier that the investor may need to rebalance it to bring it back in balance. So you might be saying, okay, a stock did so well that now I'm way too heavily weighted in that one area. So you might want to sell in order to diversify. Or the investor might wish to sell a stock to book a loss for tax purposes. So tax planning plays a huge and other role in this whole thing. Another reason to sell stock could be because the investor needs to cash to deploy in a competing investment such as real estate. Such financial reasons are pretty potent ones to justify selling a stock. Lifestyle reasons. Lifestyle changes also present good reasons for selling a stock. Younger investors might consider selling all or part of their portfolio to make a down payment on a house or buy a car. Investors nearing retirement might sell stocks to wind down the equity part of their portfolios and reduce the risk exposure. Parents may also sell stocks in tax-advantaged plans earmarked for specific purposes such as their children's education. Combination of reasons. In some cases the decision to sell a stock or stocks may be precipitated by a combination of intrinsic and extrinsic factors. For example, let's say you lose your job because of corporate restructuring and are a few years from retirement. You have been uneasy about the market's elevated levels and historically high valuation. So you're saying, hey, the market looks like it's been riding high for quite some time overvalued possibly overheating for various reasons. But you previously felt a little inclination to act upon it. Now, however, you would like to conserve your capital with the intention of using it in the business that you always dreamed of starting. In this case, your sell decision is justified by intrinsic reasons, your lifestyle change, as well as extrinsic ones, market elevated levels, valuation. So if the price of a stock that I hold plunges, should I sell it or buy more to average down? So now you got the stock went down in price. It really depends on a number of factors such as the kind of stock, your risk tolerance and investment objectives amount of investment capital, et cetera. So if a stock goes down, you can react two ways, you know, typical two ways of acting. You might be saying, well, now I want to cut my losses at this point, or you might be saying, I'm going to double down on it because it's going to go, I'm going to regain, I'm going to go back into it. And obviously that'll be dependent on the circumstances in which case, which one would be the way to go. If the stock is speculative one and plunging because of a permanent change in its outlook that it might be advisable to sell it. But if it is a blue chip that has suffered a temporary setback, then averaging down is a strategy worth considering. I like the long term perspective for a stock in my portfolio, but I am nervous that it might fall in the short term. Is there an alternative to protect my downside instead of selling it? Consider a put option, which gives you the right to sell the stock at a specific price for a period of time. Put options aren't cheap, but neither is insurance. Can I sell a stock on the same day when I bought it? Yes, as long as you don't make a habit of it, otherwise you might be considered a day trader. Day trading can result in substantial losses and is best left to experienced well capitalized traders. When I sell a stock after how many days will I receive the proceeds? For most stocks, the standard period to receive the proceeds of a stock sale is two days. This is also known as the T plus two settlement period. So what's the bottom line? Any sale that results in profit is a good sale by low sell high, particularly if the reasoning behind it is sound. When a sale results in a loss with an understanding of why that loss occurred, it too may be considered a good sale. Selling is a poor decision only when it is dictated by emotion instead of data and analysis. And again, there's high emotion when you're watching the prices going up and down. So you want to be trying to make your decisions not based on just emotions going either way out of basically fear. Of missing the game, fear of missing, of not cutting the losses, but some kind of rational decision making process. So the key thing to remember is that once the sell decision has been made on the basis of thorough and rational research, the investor should neither look back nor experience sellers remorse. And again, this is typical with any kind of decision making process. Oftentimes our mind is in the rear of your mirror looking at the last decision analyzing it for no good reason. For the good decision just agonizing over it. We want to learn the lessons of whatever the past decisions are and then apply the principles to the current positions.