So we're out here getting involved in the spirit of Christmas by giving out no turkey sandwiches and there's nothing more opposed to the spirit of Christmas than what you see on those screens. Oh my God, trying to shoot me to something like that.  I'm eating that chicken's trauma, so why am I going to put dead energy in my mother? I just don't like the work itself, I don't like the horn in the cast and all that sort of stuff I hate. When I don't get the dare, I don't get the trip to fun. So I have loads of soy but I just don't sleep and I have insomnia. Do you want something to eat? We're giving out food. No, it's free, this is free food. You know what? I have. I'll be honest with you, I'm vegan probably three days out of seven. Okay, so you eat plant based on three days? Yeah, like the corn, Scotch eggs and all different things and vegan. Yeah, because vegan is like a philosophy against animal abuse and cruelty. So it's like when you're against something, you're a vegan, so when you're against the animal cruelty, you're always a vegan. It's like, what you're talking about is like you eat plant based some of the time, so you choose plant based foods here and there. What's what, should we make a change? Yeah, when you go vegan, something changes in your mind and you're like, I'm always against it. You never support it, you don't like, if you're against child abuse or this type of racism, you don't just practice it here and there. It's made of plants. Yeah. Vegan. Can I take this? If you scan this with your phone, you have a free download packet that shows you where to get everything vegan. Okay. Are you hungry, mate? No, you're vegan aren't you? Yeah, we're vegans, yeah. So me and my heart are Christian here. Sometimes I'm vegan, sometimes I'm vegetarian. Oh really? And I can't stick with the vegan thing, it's not seen to happen. I can't sleep at night, so I try try tryptophan, yeah? Because I'm not getting tryptophan from there. Are you in the case of morphine in there?   When I don't get the dairy, I don't get the tryptophan, so I have loads of soy, but I just don't sleep and I have insomnia. So what I did was I got a tryptophan supplement and my leg ballooned last year and I had a big infection in my leg because you can tighten the arteries in your leg. Really? So what do you do? About sort of like, sleep with... I've actually never heard of that before. Then you've never heard of that? I've never heard of it before.  As a hurry Krishna, though, as a hurry Krishna, do you consume dairy from the normal dairy farms out here? Well, we've tried to do a Himsa milk, you know, like not violent and like same with ghee if we can, but we can't do that. So we believe in like cow protection, like protecting the cows and calves and not slaughtering them, you know. The dairy industry is rough with cruelty and suffering. So that's why I went vegan and I've done it now. I bet you have done it about three or four times and I've just not been able to stick at it. Like sometimes what people do is when they stop eating like calorie dense cheese, they take some of the calories away from their diet.  I'm vegan like, you know, well, Maori Krishna, so what can you do?  I feel like the dairy industry is one of the most violent industries on earth because they're here in the UK.   The female calves, they grow up for about a year and then they get forcibly impregnated and have their calves taken. After four or five years, they go to the slaughterhouse, get turned into beef and leather.  You know, if it's non-violent and the cows and calves are protected like the Vedic culture believes, to protect the cows and the calves and don't slaughter them. Cow protection, that's what the Vedic culture is about. It's thousands of years old. Then you don't need to be vegan if you're having a hymsa milk, which is non-violent, you know. I've heard of a hymsa milk, but do you think that the whole population can have it a hymsa milk? No, that's why I've gone vegan. And I think like to advocate cows as resources is what got us into this mess, like animals as resources. Because I've had the back, it's similar to the backyard egg argument. You know, if I have my own hands and we rescue them from a factory farm, can we eat the eggs? And it's like, as soon as we commodify an animal, that's where the whole industry began. Like, you see people say, all just drink the milk, there's no harm in that. Well, there is now because milk is now a product, you know. So, I mean, maybe you're not reinforcing the ethics into you strong enough. I don't like it, though. I don't like dairy.  It's like too much dairy.  You're not a baby cow, so you're not a baby cow, so it should be for the baby cows only. And then there's a massive ethical implication of what you're doing. I don't know if you believe in karma or anything like that as a Hare Krishna. That's why they say these wars, you know, because we slaughter in the cows. I mean, cows are always going to suffer because of it. Because they have to take the cows away generally to make dairy industry profitable.  Because okay, they don't slaughter the cows. They're going to have all these cows and keep producing dairy, and then they stop producing dairy, they keep them in the sanctuary. It's just, you can't go on forever like that. It's just not sustainable. Just don't know how I can stay vegan when I suffer so much doing it. You know, I get very flat, very depressed. It sounds like to me like, I don't know, but it sounds like because dairy is a very fatty food and it's full of calories, and if you remove a bunch of calories from your diet and you replace it with something that's lower fat, then you're probably lacking a bit of energy. Yeah, last time I lost a stone, and then this time I just like bloated in the face and when I went back on the dairy, bloated in the body. And even now within, since Friday, I'm already losing weight out of the face and probably it'll start coming out of the body. Is it a lactose as well, like the sugars in the milk that bloat you and put the weight on? No, milk is full of hormones because it's a pregnant cow usually, so it's full of estrogen. So that's not good for your testosterone levels, isn't it? Fidoestrogen from soy doesn't affect us in the same way because it's from a plant. It's a different type of thing, it's not actually a hormone, but estrogen from cows is supposed to blow up a baby cow really big. Have you seen that film with the bodybuilders and stuff like that, was it called? Yeah, so I watched that. There's good influences there from it. And just hoping that this time I can stick at it like I said, I'm just going to try and do everything I have to do. Well, I got off meth and hard drugs and alcohol and cigarettes and I got off heroin once in my life, so I mean, and that was something that was more of a personal choice.  But when you talk about having dairy, like you're addicted to it, or you're harming others to get it, you know, I think it's a little bit more of a different situation. But if I can kick these drugs and it was more harming me than others, then it should be more of a, if you think of the cows when you're doing it, I think it's more of an easier decision. It's not hard for you to kick the dairy, it's hard for cows if you keep contributing to that industry, you know. That's the egg industry there.  They take their beaks off so they don't bite each other in the sheds.  Like, so with meat, there's a bunch of different vegan meats and with eggs, there's a few different things for eggs, scrambled tofu is a good one. There's all vegan milk, so there's oat milk, rice milk, almond milk or whatever. I've been on the fence like quite a while. Yeah. Like, I love meat and stuff. Bless you, my brother. I appreciate you, man. Take care, mate. Obviously, I love meat and I do kind of see, like, side to side. It kind of makes you think, is this right? Yeah. When you say meat, you've got to imagine what that is. It's the body of someone who didn't want to die. Most of the time this is me at a sanctuary, but most of the time they're living in horrible suffering. Like, statistically, most of the animals here in the UK are factory farmed. And no matter what they tell you, a vast majority of chickens, turkeys, pigs, docks, you name it, they're in factory farms. Now, the lambs and the cows, yeah, maybe they're out in the pasture a bit more. But they're still being mutilated and executed in the slaughterhouse. So what is it that you do then, Mike? We just ask people to, like, go vegan. We're asking people to, like, attack the demand thing. Like, you demand the slaughterhouses. We're asking you to stop demanding that they slaughter the animals. You know what I mean? It's like a boycott. What would we do with all the animals? Yeah, they'd stop breeding them. So they'd meet the demand, so they'd stop breeding more next year, and then it slowly phase out kind of thing. We're hoping, like, we get more people on our side and maybe we can do something with government to stop what they're doing to the animals, but... I feel like there should be more, there should be more, like, alternatives, you know? There is. There is a lot. I don't really know of any, but, like... I get it. I get it. You've got to look for it sometimes, but, like, for Christmas, like, Sainsbury's and Tesco's have been promoting a lot.  There's a bunch of vegan stuff in there. You've just got to know where to look. But in the UK, it's one of the best places to be vegan on Earth. This is a question that I had. In, like, the ideal world where every human on the planet was a vegan, what would be the case for, like, say, buying pet food for your cats and stuff like that? Because, obviously, they've got, like, meat content in them and they need that meat to survive in an ideal world where every human was vegan. Yeah, we wouldn't be slaughtering... I wouldn't agree with having slaughterhouses just for cats. Yeah, that's what I mean. I was just curious. Yeah, so basically, like, cats need touring from meat. Cats, they're domesticated animals. They don't actually exist in the wild. Like, you know, they're not lions or anything like that. They exist in our households. So, like, they ask people to be vegan first, but then if you've got pets like dogs, dogs are omnivores. So they're really easy to be vegan, get vegan dog food. Really good brands out there. But with cats, they're carnivores. They're obligate carnivores. But you can still design plants and get supplements in there that mimics what they would usually get. Because I think, like, if you have a cat, you're morally responsible for the animals that are killed to feed that animal. So, like, let's just...   You would go... Let's just say there was no chickens and pigs and fish to feed your cat.  You know what I mean? So why do we kill other animals to feed our house animals? Yeah. I was under the impression that, like, cats and dogs couldn't live without meat. So it was just a question I wanted to ask for. Obviously, we talk to people first. Yeah. What do you be vegan while you start going, oh my God, I don't eat fish because it's cruel. I'm paying for all these fish or, like, I don't know, chickens to be tortured and killed. And they give the animals the scraps out of the slaughterhouses.  So they've been known, like I think in the U.S., they've been known to feed gas-chambered animals from shelters, like dogs and cats back to dogs and cats. They give them all the crappiest stuff out of this... Just all the scraps.  You know what I mean?  You know what I mean? No, it's interesting. I didn't know, I didn't know with cats and dogs and domesticated animals like that, I didn't know it was more of a supplementary requirement. I thought it was as black and white as... They need meat. Well, they need what the nutrients that the meat provides. You know what I mean? So, like, we need B12, but... Yeah, yeah, like, for instance, we need B12, but we don't have to kill animals to get B12. We can have a supplement. And they supplement it in the food supply anyway. So we don't need the meat to get the B12. Like, same with cats. They need terrine. And they can't have, like, carbohydrates and things like that. So they can take the carbs out and they can isolate the protein and give them the nutrients they need without the killing of the animal. And because they're domesticated animals anyway, they're not like... I'm not talking about, like, a tiger or something. Yeah, yeah, yeah. Like, I always say this, if your cat's 90% healthy, all right, I'd rather the cat be 90% healthy than executing all these other animals to feed to your cat.  I don't know, the turkeys that cats are eating are coming out places like this. And I don't know what other animals are fed to cats. Usually fish, seafood. The most exploited and tortured abused animal on Earth. I see animals so, like... Yeah, but people will say... So lose, lose the situation. People go, you're an animal abuser because you're feeding cats vegan, right? Oh, this is bad. This is cruelty to cats. But then... But you're not an animal abuser for killing other animals to feed to your cat. Yeah. I know which one I'd rather. Like, a house cat does not have, like, that type of moral precedent over all other animals. You know what I mean? Like... Yeah. If they're in a survival situation, you can't control it, but when you're going to the store and you're buying it, there's other ways too. You can find, like, scraps and things like this and something that you're not funding. Then, um, but yeah... Yeah, yeah, yeah. It scores us down. Hey, brother. You hungry, mate? Yeah, yeah. You want two? Yeah, yeah. This is what we'll give it out. No turkey crown, roast crown. Animal-free. Yeah, yeah. Yeah. We don't want the turkeys to be hurt this Christmas, that's all. Yeah. Throw it, man. Listen, man.  I was in this place the other night. You was. That's me there. You know. Excuse me. That's all right. I go for it. I think it's... Yeah, that's me. Yeah. Yeah. Yeah, horrible places there are. Yeah. Do you want vegan mayo? Yeah, please. Yeah. Do you want two for your brother? No, no. Are you sure? No, that's fine, mate. Because we're about to pack up, so we're just... No, man. One of it is perfect, man. Thank you, man. They're rolling out. What do you think? Not bad? Incredible. It's incredible? Yeah. Really like it? Yeah. Yeah, no turkeys harmed. Yeah. It's a good day. This is a turkey I saved earlier the other day from a farm. Hey, brother. How are you, man? How are you doing? Good, man. I'm good. How do you enjoy? Yeah, good, man, hey. You want to show them people what goes on in these farms and places, hey. Are you a vegan or you're not vegan yet? No, I'm not vegan. But I want to change. You want to go vegan? Yeah, yeah, yeah. It's good, man. So do you still eat all the animals and all the animal products? So have you done anything to change what you eat? I've been reducing it a lot. You're reducing it when you eat? Yeah, I've been reducing it a lot. You know a bit about the gas chambers. These are here in Manchester. There's some Is this? Ashton online. Yeah. Yeah, there's a gas chamber out there. You can hear the pigs screaming from the park next door. Yeah, it's crazy. Yeah. It's called chulip meats. Yeah. Just over there. So, yeah, it's pretty crazy, man. If you want to take this, you should do Veganuary this year, dude. Yeah. Have you heard of Veganuary? Yeah, January. I mean, if you're against animal cruelty, it only makes sense that you stop paying for it. You've probably heard it a million times from me, but when did you start going vegan? I went vegan seven years ago. Yeah. Yeah. What made you go vegan?  And I was against cruelty to animals, and I was eating it. So, like, I just, like, I started thinking about karma and that, you know what I mean? Like, I was in gangs and all that, and I was pretty violent in the gangs and on drugs and that. And then I, like, I got sober and I tried to, like, turn over a new leaf. And I was being violent towards the animals on my plate. And I was like, I was being violent towards the animals on my plate. So, like, I didn't want to do that anymore. Animals more defenseless, innocent. They did nothing wrong to me. I didn't see any good in it, you know what I mean? And look at them. Can't even lift up their own weight. They're suffering in a farm somewhere. The worst ones when, like, you know, I was growing the ones. Like, chickens, like. The chicks in the grandeur, yeah. That's like the worst. That's for eggs. That's the egg industry. Yeah. That's like, this should be the such day, right? Yeah. Turkey farms. Oh, this is no turkey roast crown.  Yeah. Well, here, this is a good little Christmas pack you can download if you're vegan and it'll show you where all the stuff is. I'm just a big fan. Oh, yeah, really? That's what it's saying. How you going, man? Oh, it's your new tube. Yeah, bro? Yeah. Oh, excellent, man. What's your name? Philip. Philip? Yeah. Good to meet you, Philip. Are you a vegan? Really good to hear. I started watching you and Ed. Oh, really? Love Ed. Who doesn't love Ed? Yeah. Legend. Hello. Hi. How are you? Can I give you a hug? Of course you can. Thank you. How are you? Yeah, good. Thanks, how are you? Very good, thank you. I just want to say, like, I've already been what I love all the work you do. Thank you. I love you on YouTube and that. Yeah, keep up with the stuff. Thank you. I just wanted to say hi. Hello. I'm going to meet her when we're over a month now and we're swapping everything out. Great to hear. I just wanted to say that. Good. You have inspired me. Oh, great. I love to hear that. Hey, my brother. Keep doing what you're doing. Thank you so much, mate. I'm not a vegan yet, Mark. You're on your way? How many people come up to me and go? I'm not vegan yet, but I watch all your videos. I'm getting there. So good. All right. So another successful night giving out the no turkey crowns here. People love them. I mean, there are a lot of views except for maybe a couple, but amazing product. Look, we're educating people on what happens to animals. We're hoping people make the right choice. Everyone at home, those of you who are against animal abuse, animal cruelty, animal exploitation, please, make the right choices Christmas and into the new year. The January's coming up, January. So I'll leave links down below where you can be vegan. Be vegan forever. The rest of your life, if you're against animal cruelty and animal abuse, that doesn't change as the weeks and months go on. That's something that's going on for life. So have a Merry Christmas and a vegan new year, and I'll see you all very soon. And thanks to Chef Taz here, Joey's Santa's Little Helper. Good work. Finished. Take some cake if you like. Okay. Vegan cakes, and we've got to... Yeah, take all of them. Take three. Take the tray. Here you go. Here's some information for you as well for being vegan. No harming animals.


Einstein also said and people don't really know is he said future medicine will be the medicine of frequencies He said the medicine of frequencies change your thoughts change your Actions change your actions change your habits have change your habits change your Character change your character change your destiny before thought is frequency because you can use frequency to change your thoughts It changes your mood in everything. So I'm just glad that you get to explain that here today It's just a simple simple way Yeah, let's let's talk about the tea club more it says, you know, this is well researched. It has you said 80 years of research You know, it can help you would sleep, you know better sleep enhance your focus


Welcome back to the channel, everybody. For those of you who are new around here, my name is Michael, aka Dr. Cellini, and I am a board certified diagnostic and interventional radiologist in New Jersey. Today, we are going to be talking about the age old question for anybody who graduates with a large student debt burden, like myself.  I think before we come to this decision, we have to take a few steps back and look at the bigger picture. Are all of your other debts paid off? Credit card, cars, etc? Do you have a three to six month emergency fund set aside? Do you invest in your retirement with a 401k, a traditional IRA, or even a Roth IRA? If all of the aforementioned stuff is taken care of and you have a little extra spending money and you don't know what to do with it, this is the perfect video for you because you are in the same position I am and we're gonna go through this together. Like I mentioned, I have all of the above taken care of and I had a pretty good sum of money that I was ready to pull the trigger and just pay off a large portion of my student debt. However, I took a few days to think about a few things and did my own research and ultimately I decided I could use the money other ways to make even more money. And that's exactly why I'm making this video today because a lot of people may be in my position or maybe in my position in the future and don't really know what to do. So hopefully if you stay tuned, watch this video, you may learn something, it may help you decide whether or not to pay off your loans quick or invest your money or somewhere in between. Also, before we get into this video, this is not financial advice. I'm just some random doctor on YouTube. You should not listen to me or anybody on YouTube for that matter. You should do your own research as always and invest on your risk tolerance and make sure you stay tuned because I'm going to give you a real life example of how I spent my money and invested it and well, I don't want to get ahead of myself. So let's get into the video. Okay, so let's first talk about student loans. Do you have a $500,000 plus student debt burden or are you like me and have a $250,000 plus student debt burden? Oh, and if you haven't seen my video on my student loans, check out the video up here. I'm not going to get into too much detail because I did an entire video devoted to that. So go watch that video when you're done with this one. Next, we're going to talk about the interest rates on your loans. Do you have a high interest rate somewhere in the neighborhood of like six to 8% like I did? Or did you refinance your loans and have a much lower interest rate like I do now at 3% as a good rule of thumb? Again, not financial advice. If you have a student loan interest rate of less than 6%, you may benefit from investing your money rather than paying off your loans. The reason being, because you will probably get greater than 6% return on your investment. So even though people in the same position as I am are up to our eyeballs and debt, it may be beneficial to start building our wealth now rather than using our money to pay off our student loans. Investing now gives your money more time to grow and allows for a better retirement. So just how important is it to pay off your student loans? I've heard so many people say they're just going to pay the bare minimum of their student loans throughout their entire life because there's really no reason to rush it. It's just going to be sitting there. You have a low interest rate. You might as well enjoy your life because after all, we've experienced quite a bit of delayed ratification as it is. So why continue the delayed ratification even further? There's also people on the other side who can't even fathom having that student loan burden looming over their head and they have to pay it off as quickly as humanly possible. And then there's people like me who are somewhere stuck in the middle. I don't really feel rushed to pay off my loans because it doesn't bother me that much having that student loan burden. But also I don't want to be that person who just puts it off for like 50 years. I kind of want to get rid of them as fast as I can within reason. Part of me wants to aggressively pay down my loans. The other part of me wants to aggressively invest. So what the heck should I do? Well, like anybody in my position, what do you do in this situation? Well, we start with the pros and cons list. And that's exactly what I did. So what are the pros of paying off your debt as fast as humanly possible? Well, let's get into it.  Two, you'll be debt free, obviously, which is a plus. Three, your debt to income ratio will drastically reduce when your student loan burden has decreased substantially and that will allow you to get a mortgage or buy a house going forward. And four, the benefit to paying off your loans as fast as possible is peace of mind, which for a lot of people, that's all they need. So what are the cons to paying off your loans as fast as possible? Well, it can take many years to do so and you may have to make extra payments on top of your current scheduled payments per month. Another reason is it's not really necessary if you're working with a loan forgiveness or repayment plan. And furthermore, you won't be able to maximize your interest deductions on your tax returns year after year.  Well, people who prioritize being debt free borrowers with high interest rates, greater than 6% for example, like I was, or people planning to purchase a home and want to lower their debt to income ratio so that they can get a good mortgage. Now let's discuss the pros and cons of investing your money rather than paying off your student loans. One pro is that you can get a better rate of return greater than most student loan interest rates. And just for reference, the average rate of return on the S&P 500 over the last 20 years from 2001 to 2020 was 7.45%. And the annual return on the last 50 years of the S&P 500 was 9.4%. So based on just investing in the S&P 500, you can see that you can get a pretty high return on your money that could be significantly higher than your interest rate on your student loans. Another pro to investing early and not paying off your student loans is investing early may prevent you from working longer and into your older years. And we all know that when I'm like 65 years old, I do not want to be cranked around studies. Well, maybe I'll do like part-time stuff, but I don't want to be working for my money. I want to be doing it for fun at that age. Another pro to investing early is that certain investments can allow you to withdraw the money as you need it. Now let's get to the cons of investing over paying off your student loans. Number one, if you invest too heavily, you may not be able to afford your monthly student loan payment. Another con is that investing will not help your debt-to-income ratio, which may affect you purchasing a home later on. The ultimate con that not many people talk about with investing early rather than paying off your student loans is that investments carry risks.  There are no investments without risks. The goal is to minimize those risks, but there are inherent risks to investing. So who is investing good for? People with low interest rates on their student loans, people enrolled in student loan forgiveness programs like I was until recently, or people who already have investment knowledge. The last thing you want to do with $50,000 laying around without any investment knowledge is to just go gamble it away in the stock market. Imagine if you put it in like Facebook a few weeks ago and you lost like 30 to 40 percent of your money. It's not good. So now that we discussed the pros and cons of investing versus paying off your student loans like I did when I was in this situation just very recently actually, let's talk about what I decided to do. What I've decided to do is pay off my student loans month after month on the normal regularly scheduled program while also investing heavily. It's kind of like the best of both worlds. Ultimately, I made my decision based off my own personal financial priorities and options available to me. As many of you all know, I've already invested pretty heavily in real estate and I actually have two more properties closing this week. And since I invest pretty heavily in real estate, I wanted to give you all an example and show you why I decided to invest in real estate rather than pay off my loans. Because very recently I was sitting on a nice chunk of money where I could have basically paid off almost 50 percent of my loans, but instead I decided to keep buying real estate and here's why. So what I'll do is I'll go over a quick example of a property that we recently purchased. We actually purchased this property last year and we also purchased a few more just like it as well. So maybe going through the rate of return on this property, it can give you kind of an understanding of why I chose this path rather than paying off my student loans quickly. So the property I purchased costs $84,500. And I know what you're thinking, where the heck do you find rental properties that cost $84,500? Well, gotta go to the south, which is where I was born. So the purchase price was $84,500. And I put down 25 percent or $21,125. Add a few closing costs into that roughly around $7,000. You come up with a grand total of $28,125. All said and done, that's all it takes to get this house. So if you want to know a little bit about the mortgage info, so we got a 30 year fixed rate mortgage at 3% with a monthly payment around $335 a month. Pretty crazy, right? Add a little sprinkle of insurance onto that and it brings your total to about $400 per month. For this particular house, we rented out for $950 a month or $11,400 per year. So our monthly cash flow is the rent minus the mortgage payment, which comes out to $550 per month. So if you multiply that by 12, it comes out to around $6,600 per year cash flow without doing anything. So now let's talk about the ROI or the return on my investment on this particular property. And we'll do a few more calculations to further talk about that to calculate the ROI on this particular property. We divide the annual return by our out of pocket expenses, which is our down payment plus our closing costs. So using these same numbers, we have $6600, which is our annual return, and we divide that by 28,125 and we get a grand total of 0.2346, which if you multiply by 100 gives you 23.5%, which means the return on my investment is 23.5%, which is significantly higher than my 3% interest rate on my student loans. So now you can see when you do the math, why I would do this over paying off my student loans. So I spent $28,125 upfront and it could have gone to my loans, but instead I decided to make a 23.4% return on that money, which is pretty good return, especially since I didn't really have to do much for it. And this is the gift that keeps on giving. Every year I'm making money off of the cash flow from renting it out. I'm deducting the depreciation off my tax return every year and I'm building equity as long as I hold it. So I plan on holding these houses for many, many years and they just keep building and allow me to retire early, which is the ultimate goal. Furthermore, this doesn't even include any equity in the equation. So the crazy thing about these homes is that when we bought them for $84,500, we got a really good deal on them because the seller needed the money very quickly. And when my lender ordered the appraisal on the house, it actually came out at $120,000 and I paid $84,500. So you can see that with this instant transaction, I made over $30,000 in equity before even doing anything. And that's on top of the 23.4% return that I calculated. So I hope this is kind of clicking now why I decided to go this route rather than using that sum to pay off some of my loans. And I know what you're thinking, I thought you said you had enough money to pay off half of your student loans and I did, which is why I bought multiple houses. This is just one example that I wanted to give you. And all of them are kind of similar to this one, but this one's just easier to kind of piece together. So I decided to do this one. Some of them have a less return, some of them have a higher return, but overall this is kind of the average. The goal is to not invest my money unless I'm almost guaranteed like a 17% ROI. And as you can see, this fits the bill. Oh, and for those of you who are new to the real estate game, the definition of equity is the market value of the property minus the loan amount outstanding. Equity is obviously a nice part of owning real estate and who doesn't love an instant 30 plus thousand dollars when purchasing a home, but it doesn't happen that often. This was just a fantastic example and everything worked out for this house. So aside from the amazing 23.4% return on my investment, plus the 30 plus percent equity I got on this home just by purchasing it, it also cash flows forever and the rent goes up around 3% per year. My equity will likely increase over time until I sell it. Now I know what you're thinking, you must have gotten lucky.  Well, the short answer is you just have to do the research, be plugged in with the right people and do your homework.  Now there are always things that could come up like, you know, your roof may cave in or something that completely destroys your first year return on your investment, but this is investing. You always have to take those risks and you have to be ready for those risks, which is why you need an emergency fund, all of your retirement accounts set up and all of your other debt paid off before you even think about investing your money. This house and many other houses that we have purchased have been exceptional investments for us that cash flow every single month and build our equity and our net worth. This is why I decided to ultimately invest in these properties when I have the chance versus paying off my loans. Hopefully now after you watch this, you understand what I'm talking about and maybe it'll kind of open your eyes to other things for you going forward. I know this investment strategy isn't for everybody, but I just wanted to show a real life example in which investing can pay off quite well all while letting your loans simmer in the background at that measly 3% interest rate. So hopefully you all enjoyed this video. If you like more videos like this, let me know in the comments below because I obviously love making them. As always, make sure you gently smash that subscribe button, follow me on Instagram and TikTok if you don't already, and I'll see you all on the next video. Bye!


Alright, so FreeNAS 11 is out and I want to do a video a little bit in-depth kind of going through the setup process getting the shares going and Basically getting set up now things. I'm not going to cover is specifically going to be the virtual machine inside of it the beehive hypervisor because well, you can't do that in virtual box So I get a This will be a separate video because I got to build a machine for it And I might just be reloading it on my computer our server I might upgrade to this because I feel so far it feels pretty stable I'm gonna go over the settings real quick though of what I built here. So one network adapter and For storage I created just a bunch of virtual disks now obviously this is not at all a real-world setup This is completely just gonna be a demo setup and the reason for that is obviously you don't run FreeNAS It won't run properly in a virtualized environment and all these disks are just well a bunch of virtual disks on one hard drive So they don't really do a lot of good So we're gonna go through the install process actually make sure I got this set up. So FreeNAS and FreeNAS 11 release there we go And we're gonna start walking through the install process Which looks just like the previous versions of FreeNAS Pretty straightforward.  I'm gonna just cover a couple of quick points inside of here install upgrade Only for demonstration purposes. I went ahead and did this where I have two of them because I do recommend I mean thumb drives are arbitrarily inexpensive And there's not a lot of read rights. I think people worried about failure on these It's mostly read push into memory and then store all the data on the rate array itself But it's so nice to have two of them and it will mirror them if you just select two different USB drives So these little eight gigs represent USB drives now. I did notice this And I haven't done this on any real hardware It detects the USB later So it kind of overwrites on to the screen which is kind of annoying and it offers to do an upgrade install because I'd already Installed this before but I didn't wipe it. So I'm just gonna wipe it now and do a fresh install install format the boot device Proceed with installation. Let me just set the password Boot via BIOS because while we're in virtual box Choose whatever works for you I'm partial to the BIOS ones but kind of depends what your motherboard supports So we're gonna let it run through here almost fast forward all this All right, and it's all set and reboots and we boot up in the free NAS Shut down All right, so we have free nas installed But I canceled the wizard because now I don't care much for the wizard I like to set everything manually, but there are a couple little housekeeping things I do so we're gonna go over here to the advanced and I turn on a couple things which is The autotune which autotune allows the system to put in some extra parameters that fall under tunables Basically, I believe it's like a templating system. It goes. Oh, you have this this and this and we turn these features on you can Auto you can add features yourself and system tunables and custom Things to this most of the machines I've ever built have never had a problem just using the autotune features And I've never tweaked it too far as at the speed and function has been adequate It seems I've never caused any stability problems, but you know mileage may vary You may have some weird hardware configuration that you don't want to do that on but I generally myself have not had a problem with it But start there if you weren't having problems you turn on had problems start with that Next I like to turn on the show counsel messages in the footer Now the nice thing about this is you get this so here are the counsel messages So at any given time you can watch them roll across the bottom and then if you just click on it You can say okay, you know what I'm doing something. I want to see what the counsel messages are because maybe you know Well, even right now I don't feel like pulling up another window or in my case the machine is headless sitting in the back So there's nothing on the screen and you know, you can always go back and look at them But it's kind of nice to have them there Now besides that I do recommend putting a certificate in I'm not going to get in depth on that right now Actually, I had some issues with it with I don't know if it's a Freenance 11 bug or a Chrome bug Chrome doesn't like the self-signed cert on this anymore and Firefox does that's a separate issue. We're gonna focus today on getting your storage set up and getting some sharing done So we're here at the storage now. There's a couple different places. You see things You may have noticed this is just the way Freenance is set up and the new Freenance I think the new interface Makes more sense because there's so much repetition like things across the top and things across the side here But this is you know, the old interface still has all the functionality in it So you can see your storage, but what you may not notice in here is you don't see the system volumes in there And those are Right here, so I went to system boot Storage And then you can see the boot mirror and tell you if those are online or healthy And you get an alert over here if there was an alert if one of those had failed. This is your multiple USB drive boots So that's under system again boot and then status Now there's also a separate grub under boot for the scrub to do the testing of it So you can say you can scrub the boot You can also as I got here create create a new boot and there's a history of all the installs and updates here And this is actually I'll let you keep it rename it clone it or even roll back to Once you can see the initial stall activate versus this is the fault right here And you'll see a whole history of these in a system now. This is my Office one right here and you can see that on reboot. I'm doing this But if I wanted to roll it back, I can actually Activate this one and on reboot it would go back to a previous one You can keep a few previous all depends on how much storage you have available on there To store it on the little thumb drives You do have to go in here after you've done a bunch of updates and delete some of the old updates That is another thing you can do so back to the Free NAS 11 system, so let's get to our storage and as you see we have no disc now You can at this point you can view the disc so you can see all the distance here There's no smart management because these are all virtual drives like I showed you in the beginning It tells you the size of each of the discs It does have an option to wipe them in case you want to wipe them clean before removal for example We can import if there was already a volume on here and you can say import some of these into an existing volume But we're not importing anything and it's like if you set up a new free NAS You load it, but you were pulling the drives out of another free NAS You can actually pull an array and import it in so we're gonna go to volume manager here And we're gonna create our test Volume I really recommend enabling encryption now the reason for this is with the encryption You have the ability to swap a drive out and send it back without worrying about what data is on there Now we keep customer data on the drive So when drives go bad and eventually they will you don't want to have to worry about the data And they're going man, you know, it seems to not read properly, but man I got a lot of data and it's hard to erase But I want to send it in because I had a warranty Use encryption keep peace of mind the encryption does not really add anything in terms of overhead. It's really simple If you use the basic encryption not the passphrase one the passphrase one adds another layer of yet But passphrase in every time it boots But this creates a key file that stored on the USB drive to decrypt the volume on boot that way if you have to Pull any drive out you can send it back in no worries about that now Here's where we choose our rate configurations and there's different options in here We have raid Z raid Z2 raid Z3 just a simple mirror and you can drag the drives around for Different mirroring or striping options. So if we drag them like this are going to be a stripe We do them like this. We can still set up raid Z Because it's a pair of drives each one and this is changing how you mirror the drives Or we can drag them. I think it's like this here So by dragging them around you can choose a different option So this would be so you can create a mirrored set between the drives So one and two in a mirrored set or we can drag them all this way and just let raid Z figure it out I'm really partial to the raid Z Especially like the Z2 now that's going to give you out of this pool It's going to give you to dry failure redundancy because it creates parity data across all the drives Now because it always after a raid works and it's a lot better than hardware raid especially here in 2017 It spreads it across the drives in a much more intelligent way using the ZFS system So if a drive fails we can rebuild it if two drives fail out of this We can rebuild it when you do a raid Z you get more capacity But there's not enough parity created across the drives So if one drive fails you don't lose the array you can rebuild it downside being on the rebuild process You're stressing all the other drives and let's say you have a couple from a similar batch Maybe that one is close to failure because one of them was well now you're stressing it trying to rebuild the array It fails on the rebuild process and maybe you lose your array so all depends on just how critical the data is and how much capacity you're willing to sacrifice for redundancy and Whether or not you went through the trouble to build maybe a second entire array for backing all of this up Or you're backing it up in an off-site server either way these are all some considerations You can read in detail elsewhere about all the different functions of the raid Z and raid Z to but for purposes of this We're just gonna set up as a raid Z to system So now we're gonna add the test volume here All right, it's created and you can see in here some of the things like for example It says it can't load smart. That's because you can't run smart on virtual hard drives. They don't have a smart status Anyways, so we have our volume Now we have the key option here for creating a passphrase if you wanted it more secure We have to put a passphrase to unlock it every time on boot or you can simply just download the key so we provide the root password and Download the key now downloading the key is extra important And it's a very tiny file called gli.key and what this key file is stored on the USB drives If those USB drives go away they fry they die you lose all the encrypted volume That's it. Nothing you can do about it. There's no recovering from it You don't have that key with that data in there.  They didn't change that in FreeNAS 11 here either So when you do the backups of the system the key still is separate I wish it popped up with the maybe a warning maybe they're changing that in FreeNAS 11 where you can download it But I didn't see anything in the documentation that said that but I know in previous versions of FreeNAS it was not so Here's your volume and here's your data set that's underneath it now for each volume We create a data set now Maybe you can say I just want to dump everything to one data set. It's just me using it I just want to use a big storage server you can do that you can control single data set ideally from a structural standpoint You want to set up individual data sets under this so Here's the test volume and then we're going to create a Data set which was this button down here and this will be our first data set All right, and we're going to go ahead and make this a windows compatible share and we're going to add the data set We're going to add another one now. You can make data sets that are subsets of other data sets But for this we're just going to create another one second data set All right, same thing. We'll make it a windows share Add data set now for each of these data sets for example with the test volume here If I wanted to create a snapshot and I see recursive snapshot It's going to snapshot all the data sets that are under here We're going to cover snapshots after we throw some data on so I can actually show you how they work So here's this data set and for each data set they have their own Permissions so here's the permissions we can set we can set the group and the owner And maybe you want to create a data set because you want to use a set of files And you have another person it wants to use a set of files Then you would then go in here and let's create a user called Tom So we can show you how we set the permissions on there because it's an important part of getting all this set up So users add user Set user Tom All right And hit okay Pretty straightforward now we have a user Tom who we can assign permissions to so we go back over to storage and we're going to give There matter of fact, let's just create a whole separate one again and call it Tom's data set. So we'll Tom's data goes here Tom's data Give me a windows share. So we'll do this There we go your permissions Who's the owner? We're gonna say Tom The users show up at the top. These are some of the built-in accounts I like the fact that it adds the users the top makes a little bit easier. So we're gonna go ahead and Change the owner to Tom So Tom gets to own this data in here. All right now this Allowed us to create a data set called Tom, but there's still not any actual sharing occurring here a couple things We need for that. We need to share first. So we're gonna create a windows share add windows share path Mount test volume Tom's data. There's the share name Now if we want to turn on guest permissions, you can do that which allows guest browsing of it We wanted password permission. So we're just gonna do it this way. It says would you like to start the service? Yes, we would That is the SMB service and we can configure that here. This is where you can rename things for the SMB If there's any specific things you want to set up in here, the defaults are pretty straightforward You do have to change a lot of these things if you're doing an active directory authentication I've done one. I've done a few. They're complicated I've run into some little hiccups with it Maybe I'll do a separate video on it But there's some guides that are really good at step-by-step because it involves creating objects and reverse DNS and PTI records inside the active directory to point to the free NAS box to Basically allow it to handle all the permissions for all the users in active directory It's like I said, I don't do it very often a lot of these are standalone Boxes so there's not not really been as much of an issue to set those up But there's some really good guys right in the form and how to set up free NAS on active directory and they're very accurate All right, so now we have sharing enabled. We've got the service enabled for sharing I also turned on SSH in case everyone SSH into the box So SMB is turned on that's turned on it's checked start on boot now. Let's go to the drive and see if it works Okay, SMB 3.34 Tom's data And we made the username Tom. I have a password on that and Tom has access to it So there we go. There's test another test and It's simple as that. I have a password protected folder that I have access to So how does it look in Windows? Let's cover that real quick Here it is in Windows so we can go here and I typed in slash slash and it's dot 34 Whoops typed in four So slash slash one I two one six eight three dot 34 we go here Put in the password And here we go. Another test and you can see that it works perfectly fine. Now when it comes to security, this is where without active directory you don't get to pull if you had an active directory which there is on this machine When you're trying to edit permissions or create other users. There's no interactivity for that. But you can kind of get the idea. That's how it works. Now you can also in free NAS. Let's shut this down now. Now if you wanted to add other users. That's where the grouping system comes in. I'm not going to get into all the details of the permissions. But in short, you could actually create a security group. There's already a group named Tom, but you call a group called share group. And then you would add each of the users. Let me show you the user directories here. And then you would say you would create that group and then say, okay, other people need to belong to this group and then you can actually group share out a folder that way. And you're letting free NAS handle all the permissions for Windows at that point. It does support it. You can't even set up hierarchies. We've got a couple clients that do that. They've created different groups like accounting and HR and use it without any active directory integration at that point, which is, you know, it's convenient. They only have a couple of people working there. They have a free NAS box. They have it backed up. And it is a fine solution without having to put a Windows machine in there. So they have local storage that they have shared between a couple of people. So Now that we've covered basically how to create a share, let's show you what some of these other ones look like. So here's the one called Tom's data. Now we can create another data set underneath there. So We'll call it nested data. Keep following the Windows pattern here. There's our nested data set. And this is how it shows up in here. So Now we have tests, another test, a couple of folders I created, and we have nested data. This is a data set, not just a folder, but as far as to the way you see it, it just shows up as a folder, which is pretty cool. And the reason why is this is we're going to play with snapshots in this nested data set. Now you can play with it at any level. But let's just start right here to give you an idea.  Manage data and being able to roll things back and forth. This is a feature and probably a big reason you'd want this. So let's just dump some data here. Oh, I didn't set permissions for this. Go back in here, change it to Tom recursively. All right, now the nested data is owned by Tom. And I pasted some files in here. So let's paste some other randomness in here that I have. All right, so we have a few files in here. And what we're going to do is go to this, and we're going to create a snapshot of this nested data. So create a snapshot. It doesn't need to be recursive because there's nothing else underneath it. So mainly create the snapshot. So then we can take a look. Here's our snapshot that we have no used data, but it refers to 115 megs of data that I have in there. So let's go in and delete the data or let's move it somewhere else. We're going to go new folder. And we're going to take this data, drop it in here, and we're going to delete some of it. So we've completely changed around. We've created a sub folder. We've dropped out some of the data in there. Now we can see that we've used some space. And the reason we've used some spaces because, well, we've changed the files in there. So the snapshot was a reference to how it was then.  So let's roll it back. Are you sure you want to roll back? Yep. Let's roll it back. Done. Instant. Very fast. And it's even on large datasets. It rolls back really fast. It's pretty slick. So we go over here and we're going to have to go out, do a quick refresh. It's exactly how we left it. I instantly rolled it back that fast. And that's how snapshots work. Now, if we did it recursively, and let's go back over here to our volumes, and we're going to do the entirety of it. Create a snapshot recursively. Oh, we already have one. So let's go ahead and it gave me an error because I have this one here. Let's go ahead and delete this snapshot because we're trying to recursively create a snapshot that we already have in here. So we got started at the beginning for that one. So go to volumes, test volumes, create snapshot of all the things, create snapshot, and we can go snapshots. And here it did create a recursive one for all of the different volumes that are in here. So this now is a state of each one of these. And you can see how much data was used. And as you move forward, all the data is only stored in here based on the changes it takes. This is what makes snapshot really efficient. Maybe there's not a lot of changes or only some changes. And this is what saves some people from things like Crypto Locker.  I can just go back to tomorrow's snapshot. Let me go ahead and destroy this. And the way you do that is you set up periodic snapshot text. So we can actually set it up for the entirety of the volumes so everything gets snapshotted, or we can say just one of them gets snapshotted. And if we do this one here, we say recursive. How long should it last? One week, two weeks. We're going to keep one week of snapshots. When should it occur? What should the interval be? Daily. By default, you can do one every, what was it said at like one hour, but you can change these to every five minutes. So you can literally keep these incremental snapshots ongoing constantly, which is really awesome. This is a really nice feature. And then you say begin time and end time. Only run snapshots during business hours, for example, because, well, that's the only time you're creating data. Or you can say one time a day, and it's going to start at nine, make sure it's over by then, including Saturday, and it'll create these snapshots. And just to keep it clean, we're going to do just the nested data one here. So we're going to play with just that one. But I could do it on any one of these and it doesn't need to be recursive. So we're going to go ahead and do this. Hit OK. It's enabled. Keep snapshot for one week, frequency one day. So then we go over here to snapshots. It's going to take a minute, but it'll eventually start creating the snapshots, and then I'll have a snapshot in there. So pretty slick the way it works. Let's play with a little bit more advanced features on the snapshots themselves. So we're going to go ahead and delete this. So we only have the snapshots we want in here. Go to volumes, go to nested data. And as you can see, we saw the same data in there as we did it. But let's do something a little different. So we're going to dump some more data in here, a couple more random things we threw in here. And then we are going to, let's say, delete this. Well, move into a new folder again. We'll just move just this and that into this folder. Skip. There we go. I actually selected folder. So now we've made some changes. Now this is one of those things that come up. So we go over here to snapshots. Let's create it real quick. So we're going to create the snapshot. And you'll create snapshot. Yep. Then we're going to go back over to here. And we're going to delete a couple things. And we'll just change this one to a different name. So we've done the changes.  So you don't just want to restore it.  This is where snapshots have another feature that's really cool. We can clone the snapshot. So we can say bring me back to the time here. So we'll clone snapshot. So clone must be on the same volume. Tom's data, nested data, manual clone. We're going to call it nested data, manual restore. And we're going to say clone snapshot. I'm going to show you what this does here. We go back over to our volumes. We have yet another nested volume under here. Now what this allowed us to do was create a clone of the data. So we go back here and refresh this. So here's a clone of it. So then I can go through, find these files I wanted, put them back where they belong over here.  And okay, I'm done with this. I copied the files I wanted. I put them back. I've solved the problem, you know, from the users that created the issue.  And now, with very simple, without having to do a bunch of restore features, refresh it real quick, we're able to restore things back to normal. So this is one of the advantages of snapshots. You can take these snapshots. And when you have a folder, and you can create maybe a really, you know, high value folder where you know there's a lot of activity that you know this might occur in, this is a really simple way to do it. So you just go here, you set it up to be mainly snapshotting, especially if you have a folder where a lot of people are constantly creating a lot of data. And you know, like, you know, if you have five users using a pool of data in there, but one user screws a bunch of stuff up and needs to go back to earlier, but the other users don't. That's where you can just restore a clone of the system, copy just that person's files back to where they want without disturbing the other users, and then destroy that snapshot. And this is just an, to me, just a beautiful feature of the entirety of the free NAS system being able to do this. Now I'm going to show you our production system real quick. Here's what it looks like as we're adding data in our production system to, for example, for sync thing. I have this set up to do daily snapshots and keep some, I think I got a weekly snapshot, yeah, weekly snapshot on here. And the reason why is when you're using sync thing, it's similar to Dropbox. If I change something on one file, it propagates to my offsite servers and my in-house computers. That being said with that it would propagate badly if I screwed something up. So by keeping snapshots of it, I can just roll back if I needed to, or even clone it and do the same thing I just showed you guys. What's really cool too is you can have filters in here because if you look at this with everything in here, snapshots we've done, we clear these. And we're going to go show all. There's a lot of data in here.  This is kind of a neat tool to be able to do that. And you can see how much data they're taking up. And if you want to get rid of any of them because like this one takes up too much data, you know, you can get rid of it. Also, you can see the variations in data as it's being copied. So this one here was a 74 megs copied, or down here. And these are sortable. You can sort by, for example, clear this real quick. Sort by how much data was used in the snapshot, sort by how much it was for reference, or the snapshot name. Makes it really handy to find things, sort by available actions, and sort by replication if you're using that. And we'll talk about replication next real quick. So ZFS because of all this wonderful snapshotting features and all these, how do I back it all up? Now someone's asked me, is it just a file when it does this? No, it's function of the file system. So how do you back up all these cool snapshots and everything because you can't just sync them. They're not exactly data. They're functions of the file system. I mean, I'll do a whole other video on this, but you can add a replication task to another ZFS volume. So you can actually create a snapshot of the volume itself. So you set up a periodic snapshot of my test volume. So we can create a snapshot or as periodic ones, we'll just show you real quick. So here's the entire test volume recursively. We only want to keep it, let's say, for one week at a time just like before. Then we go into replication tasks, add a replication task. And what this does is takes that volume data set, the remote volume data set, including you can do all the, what they refer to as a child data sets of it. And you can sync the entirety of the file system, including the status of the snapshot. So if you're in a high availability system, you got really redundant.  You want all the snapshots backed up so you can roll them back at any time. You can duplicate the entirety of the ZFS system. So the entire file system can be synced up with another NAS, another free NAS box, put them in sync with each other, including all the snapshots. So everything you do on the schedule you set gets duplicated, including all of your snapshots and file sets. And so it's just such a powerful feature in here, and it kind of blows my mind just how well it works. And I haven't really ever had any major chastrophies, but I've had times when I wanted data back and I've never had a problem snapshot. Hit it, boom, restore, create a quick volume set. Or in our example here, how we did it, how we have one that is like a nested data set. You can create another nested data set under this data set and copy the files you wanted without disrupting the intact data. Like I said, for example, you know, when you wanted someone to overwrite one thing. So pretty impressive how that works. So that kind of covers getting started with your first share and how the snapshot works and just kind of an overview of some of the advantages of the ZFS file system, especially, you know, this cool snapshotting system you get and doing data sets or nested data sets or replication. Now, I know a lot of you probably want to know about all the plugins available for a free NAS or some of the, how the jail system works. I may do some separate videos on that. I'm not the most clear on how they're being, you know, handled in here. Now, the Jails is a function of free BSD. It basically is similar to Docker. It's not like a full blown hypervisor, but it creates essentially a jailed version so you can run something within it. We're using this a little bit, but now that they've integrated the whole beehive VM, which is an entire hypervisor, which is you can virtualize the whole operating system and run other operating systems within it. I'm not sure if they're going to be doing away with the jails. Now, the concept was they would have these plugins and they would run inside of jails and everything is sandbox, so to speak. But I don't think there was enough development for it. I know that they tried bringing Docker in for the version 10, the corral version of free NAS. I don't know if they're going to eliminate this or where these are on the path really. But I may do some separate videos on the plugins. I'm definitely going to do a separate one of VM, but I have to build entire machine for that. Now, let's talk about a little bit of the functions of free NAS and how it works, especially the memory. This causes some confusion for people. You can see I've got eight gigs allocated, but I'm not quite using all the eight gigs. And what's going on here is free NAS will use all the memory that you give to it. So we're going to jump over to my production machine again so I can show you a few things. So this machine has 12 gigs of RAM. Free NAS will use pretty much all the memory you can give it. So if I were to put 64 gigs in this machine, even though it doesn't have that big of a storage array, it will fill the memory up with caching information. So especially the read caches, this is what brings people to the controversial thing about ACC memory going. There's a lot of the file system data held in memory. What if the memory gets corrupted? That is a risk. I still have not ever had a problem not using ACC. Do it at your own risk. ACC is a error correction type memory and some people go, you have to have it. Free NAS does CRC checking before each of these writes gets committed. So I feel secure that even if the memory were to somehow have a bit flipped that didn't crash the OS, it magically was able to flip something in memory that didn't cause any other function that the CRC system would fix it before it ever wrote to the file system corrupted. But all comes down to what level of risk are you willing to take with anything. So that's kind of my summary on the memory. What's the level of risk you're willing to take? What's the percentage of it happening? I see less than a 1% chance of that happening so I don't go with the ACC. Back to the memory itself, you will see it utilizing as much memory as it can. So there's a lot of files, there's a lot of reading, writing back and forth. It's going to utilize the memory to put it all into RAM, the entirety of the ZFS, all the different write commits and everything like that to make it more efficient. So if you memory starve one, you get low performance but there's kind of a diminishing return. It will use it but you can't say, I can't go from 32 gigs to 64 gigs and say it's going to double the performance, right? No, not really. There is a point of return and roughly they're saying 1 gig per terabyte of storage and that, you know, it's not really that big of a deal. I do have, like I said, here's the plugins and more specifically the jails. I only have one thing running in the jail and you can see 3.4 is my free NAS box and 3.240 is my clone deploy. One of the interesting things about the jails is they are separate and they get separate IP addresses. Maybe they said I'll do another video specifically on that. So, but you can see in the reporting the partition target, you get ZFS data on here, arc size, which is some of the, this is for the caches. Let's see if we zoom out a little bit. You can see where there were changes made based on data being pulled back and forth when we were dumping massive amounts of data system processes. Depending on what you're using this for, we're only running clone deploy and just clone deploy and ZFS free NAS itself on here. So, the CPU usage is super low on this. Our system is AMD A6. Not any problems with it. It's nothing really beefy. The heaviest, intense thing running and even the load average being high on it is because of the volume of data that we actually back up and synchronize on here. So, we have all of our business data on here and all the server data on here all encrypted and then we synchronize it offsite with another server. So, doing that and we do it on every 15 minute basis, it looks for any new changes and synchronizes them offsite for database changes. So, it does keep the system a slightly higher load, but it's really not, yeah, it's not enough that it's causing any delays or anything like that. And that is what you'll run into. If you do short memory on here, you can run into corruption problems. And if you try to run it with, I don't even, I don't know, we'll run anymore with FreeNAS 11 with less than eight gigs. But one of the concerns you are going to have is it will cause a lot of issues. If the system wait time is because it's swapping between basically a swap file and trying to keep things in memory, you have what they call IO wait times. The IO is constantly waiting on the memory to feed it and you will end up with possible corruption because it's just this constant wait, wait, wait, wait, wait and the system is going to be very, very slow when that's happening. So, but that was the overview of getting FreeNAS 11 set up and getting your first share set up on there. And that's the bigger goal here. And kind of giving an idea of the ZFS file system and how it works along with the snapshot ability of the file system. Like I said, that's a huge, great feature of it being able to do the snapshots. And I'll probably use some more videos coming along. I said, I'm going to build a specific, I got to physically have parts laying around on the other room so I can build one just so I can test the VM and the hypervisors. I want to get into playing with that. I really liked the idea of building that and putting all those snapshot abilities on there built into FreeNAS, so I think that's pretty cool. So, if you like the content in here, like and subscribe. Hopefully, I got it all right here on FreeNAS and FreeNAS 11. I may have missed a couple of things, but I'll be doing some more videos and more follow-ups on FreeNAS 11. Thanks for watching. Appreciate it.


I knew that, like, wow, I'm, talent is a little bit democratized right now in the sense that, like, you don't need to rely on someone to discover you. You don't need to rely on someone seeing you on the street, like, busking and putting you in the studio. You can really make your own luck happen. And that was the beauty of, of your generation.  You had to wave to them and come out of concert. You had to run up on them. You had to tell them, yo, I rap.  You go and bust a rap. All right, let me hear some.  Maybe next time. And then after they actually told you to rap, you had to impress them. Oh my God.  New York. To New York, to the office. And then when you got up there, they had about six month fuckers in the office that you had to battle. Yeah. Wow. Then after you got through that. That sounds stressful.


So today, we're on the Open 262, which is the smallest boat in the sport fish lineup. Take a look down at the battery select switch. This boat has twin 200 Yamaha's on it. So on your engine bank, that's going to control those two batteries. Your house switch is going to control its own two batteries designated for all your electronics for the house. The unique thing is, this system has a voltage sensitive relay in it. What that is, is it's taking power from the motor and sending it directly to the battery bank for whichever battery needs it most.   Once they get to the charge level, it will then alternate and start sending current back to the engine batteries or whichever battery needs it the most. This will be the system that will never let your batteries get below 12.5 volts, which is a really unique system while you're running the engine.


What's going on guys got Kyle here with Layton sports cards and we are ripping this is six box UEFA Club competition soccer This is number 15 random team style did a results or did a random before the break show you the guys results again real quick on Our website here KS with man you down to Craig M with AC Milan Fiorentina and sociodad can always find these results at the bottom Of our page the results tab Good luck here guys. Let's see a banger still trying to pull one of those triple autos. I'm gonna get one soon That is not very sharp Did not cut the plastic that's not a good sign All right, good you good luck guys Von joining you all broke. It's it's very it's very rare that you do a Stick that Von goes with so I felt pretty proud the flubber man. That's uh, that'll be a milestone I'll not redo. I'll never forget this day The day I broke bone made Von laugh There's a rookie refractor start a soft Kobe man do Main dude, man you got rookie wonder kids Baki Yoko and Leroy Sonny Green shimmer to 399 For Bayern. I'm in Steve. Come on down Come on down I'm sharpening the knife. There's a future stars Mohammed Derame that one's going on to Copenhagen on the Night vision 225 wonder kids Gavi Barça we on Alvarez rookie God green this one is green lava future stars ecare bravo That is not numbered there on the lava for real You wish Matt you wish Not today. Not today. Got a green shimmer Darwin Nunez number two, uh, 399. How you doing today matt? Refractor, no Lang club bruce What are you making a stop in here before? Why got our first uh, our first celeb appearance here today guys. We got Jake Jake's here. I want to say hello Christian de Ketlier. Jake, what's your opinion on flubber? What? Flubber? Jake's too young for flubber man. He's flubber. See Jake's too young for flubber. He's never flubbed Not even once There's a Phil Foden throwback I was hoping this would be the response we got Flubber is an old child McKinney refractor with uh Robin Williams. Oh I've I've heard of this There's a viny jr. Specimens People put like a substance on their shoes so they can jump high. Oh, yeah, it's just a bouncy substance In a lab by Robin Williams. Yeah He has to use a special glove The flood glove Gotta gotta get that one in That was me just mis mispronouncing it got a pulsar luke mojic reo. It's a good movie though I'll watch this tonight on Disney plus Matt what's your opinion on flubber? Matt come in and do we need another celeb shot There's a colossal rookie inzo Fernandez. I won't say hello Matt. Yo, what's your opinion on flubber? Got a kubo to uh 175 that is the fuchsia mini diamond. It was like it's like these kids are too young for flubber man These kids are all born like 10 years after flubber was born You got to go watch it. It's a movie where they make a thing that just it's a very bouncy It's like play though, but just bouncy and it's alive first auto is for uventus kyle hohe Nice one there uventus not numbered uh base auto Appreciate that speaks Yeah, certain cards are super glaring man. It is really hard. Um Some some cards. It's hard to even get an angle in here that is not glaring There's a loose ds on the refractor Flubber where's the uh, it's true flubber where's oakley's dude oakley cans There's a atom there lever kooson throwback You sponsored There is a rookie for psg um else shondal beat Bitchy abu rookie there psg bitchy abu rookie I don't think I've read that one before Apparently not There's a refractor rookie gory no one's going to stop Got a gory for stott as well. This one is the uh throwback 1958 or 59 box two. Good luck guys This is case number 15. Um half case number 15 or random team stop That's not very good man two out of two so far. Don't know flubber Yeah, it's not um, we're also asking people under like We're asking the 21 year olds. That's kind of an issue, but The movie is definitely 30 years old Or longer than that probably 90 something I would think right Oh nice auto here. It's greasy. Nice one there for uh, atletico on the antoine griezmann And it's not numbered on the uh, aqua lava Nice one atletico. That's leticia. Take it home the greasy auto 97 Yeah, they were They were negative a lot at that point There's uh rickie there luka jovich for fiorintina number to 399 Yeah, I like that griezmann. That's a nice one Garnaccio rookie Got a pulsar rachim sterling for chelsea Sergio ramos um psg on the throwback still trying to get one of those triple autos, Steve. I haven't hit one yet, man I've been uh, we've been hunting Gone through a few cases for sure. There's a tony cruce refractor Refractor mason mount chelsea. There is furahashi on the Celtic throwback I'm in I'm in steve officially in There's a refractor. It's ailing holland. Oh, here's haigley. It's holland refractor haigley How are we doing today? How are we doing today haigley? There's a jimmy uh boys getting Gittens wonder kids You know how like when you join a facebook group they have to ask you like questions and like oh this at the other We should re-edit ours to your favorite part of love her Got a santiago jamines blue for fine order 150 And told me yasuo refractor, but I forgot like the whole movie. Oh, so I I would just say the basketball part Yeah, that's very not specific. I remember there is basketball for sure involved There's a pulsar luka jovich Fiorintina that would really uh You really have an age restriction at that point I got you robert celtic not Celtic Makes sense Got a go lasso bukayo saca. I thought it was an irish team. I didn't know it was in scotland There's a wonder kids nikola ze luski What donnie guys you better cop There's a christian ericsson refractor Superison letter brison purple nice one here for bayern purple uh seismic is jamal musiala Nice one. They're not numbered on these purple seismics great short print though for uh, the great midfielder for a buyer The expensive midfielder How much you make You gotta look that up, but he just signed not too long ago. So pretty very big darun nunea is there A couple hundred milli probably uh refractor of cubo I don't know What is going on bro just On the freeze for a second was working out. Mm-hmm Not google chrome nice one there garnacho on the throwback rookie Man you garnacho. We have to go boot up uh firefox Uh-oh firefox Do a barrel roll Got uh to 250 this one is fuchsia shimmer paedragon calves for porto What up yogi yogi. How we doing today? How we doing today? There's a harry cane specimens england or tottenham Fox three uh, what was it musa musala musiala musiala Five million euros II or I think it's euros I don't know this currency mark Five million here that can go up to eight million with bonuses I honestly thought it'd be higher just because I thought soccer was like a higher engine Well, there's there's also the transfer fee that fire and probably had Oh, yeah, I forgot about that. That probably added like 10 million or 15 million to it Yeah, the transfer fees are what gets the Gets the bucks up there's a joshua keymitch Byron on the throwback And this is soba sly on the auto there. This one's going to leipzig Dominic soba sly the newest uh liverpooler Not numbered there on the refractor auto Soba sly nice one Dog draw button keen that is fair that is fair I'd say keen good striker. There's a wonder kids illing jr I've had both of them as throwbacks and fifa there is gun cob as again this time It is the green shimmer to 399 for sporting there's a Pulsar is the dain ikbal man you they fill phone refractor for man city Zalouski for roma and blue is pepe for porto on the throwback blue to 150 Nice one there porto I saw that to me. I did see the 101 did get pulled. I think there's a few more variations There's a red and I believe a orange on those fabio moretti I think there's a few more variations. I did see that one on one got pulled There's a specimens thukaku for enter keen's pretty good and uh fifa Keen's pretty good in foot There's a refractor rookie of duet for stod Although draga is also very good depending on the one you get That's a gold yellow gold one of the two It is kareem adi yemi nice young player there for bvb. That is the gold number 14 out of 50 We go bvb nice kareem Good young player for bvb uh anthony along got future stars refractor fabio carvalho wonder kids You're gonna play fifa right now. How many goals do you score on average? I don't know gotta ask joe. Do I beat him on that day? Oh Just kidding joe. There's a uh jamey boy in gittens bvb refractor rookie Don't play kyle fifa guys the beginning of this year fifa. I was only using uh Robin van persie the throwback one that guy was unreal and we got an orange We got an orange It is orange rookie alfie divine nice one there on the orange pulsar Not numbered but super short printed there for totnam Nice one there on the orange uh seismic divine nice rookie for totnam That is edge We got a pablo barrios rookie pulsar Ronaldo on the throwback That's red now Wow, come on. This has been some color. It's a red seismic And it is kareem adayemi for uh bvb Just had the true gold now. We got the red seismic great one there bvb That is kairin c with dortman Awesome one there red seismic not numbered but super short printed Nice adayemis It's a adayemi box here refractor rookie zaluski roma and jamie uh boyd gittens Galasso dortman there's a refractor of paul pawba And rafina on the back is going to be fuchsia shimmer for barcelona to 250 Yeah, I think the highest i've gotten is four uh steve I play a good bit like the champions league stuff, but I haven't played in a couple months this uh this seasons I only played for a couple months honestly And I started playing for tonight Here we are Here we are Manny god had to give up the sport games. Manny Manny How are we doing Manny? Say it one more time. We'll figure it out. Manny There's a rookie nice one there for man you charlie mcneil on the night vision to 225 How are we doing Manny? There's a refractor kema vinga Wonder kid's rooney bargey doing good man doing good Good job, Manny. We got gold lava. This one's benjamin sesco on these specimens gold lava not numbered for um salzberg Nice one there salzberg and blue lava. This is timo verner for leipzig Blue lava timo wonder kids of martedich salzberg as well Oh that guy's not happy Nope It's of course the angels coach too. They're censoring them. I love it There's a aqua shimmer rookie poplar marine for sociodad number to 199 Sociodad Yeah, I like the specimen especially with the color They're really clean with the color Gabriel. Hey, sucer fracter. We're fracter gel felix chelsea They're trying to guess what he said prior to getting ejected. It's probably a not for tv Whatever he said alfons or davies throwback They said flub a couple of times The flub was that call Griezmann throwback atletico um refractor of bukayo saka There's a bukayo saka pulsar Oh geez manny Yeah, one can be tough for sure one can definitely be tough There's a imbappe go lasso psg like those glossos a lot and refractor rookie auto This one's paplotore for barcelona Paplotore rookie auto nice one there barsa philphoten pulsar man city Get a mag donnie Is that We need a mag donnie Mag who is psg joshua p How about a go lasso killing imbappe red numbered four out of five boom It go joshua Go lasso on the red insert imbappe Very nice one there joshua Red killing imbappe insert four out of five. We'll get that one mag for you, sir. That's some heat Pretty good. That is a sick-looking card as well with the red And mag that for you psg That'll do That'll do All right you guys let's keep it going refractor fati imbappe to five to five Five to five Kenavara throwback there Very nice one there joshua psg. They refractor future stars gunsalo ignacio for sporting specimens of sadio mani Now box five Good luck guys had some nice low numbers here start out. Let's keep it going Let's keep it going see one of those triple autos. We've been looking for Yeah, you've been talking a lot about that. I know man I know man start pulling your weight. Oh, that's what I'm saying. I'm flubbing all over Not getting it done great hit on that imbappe though We'll take that Got any wonder kids riko lewis Man city an aqua shimmer this one zidane ikbal to 199 Yeah, that ain't bad That ain't a bad one to get an imbappe to five. That'll do There's rookie refractor of alvaro sotans Barca refractor adam hashek Leverkusen there's huli on alvarez wonder kids rookie Man city and alvarez base rookie refractor throwback polisic I'll check work the cars And we've got a purple seismic this one's not numbered for Todd and i'm harry kane Nice one there. Uh forrest was telling me he might be going to bayern Oh harry kane What's her on martinez refractor refractor steven bergwein ix pulsar ali son gunuan refractor gold mini diamond now Now they go lots of rookie inzo fernandez and gold mini diamond Is rookie for psg warren zaire emory number 250 psg killing it Nice one there joshua as well on the rookie gold Very nice Well psg case here There's a marco rois refractor and this is rayon madrid on the not numbered aqua lava auto. Um, edwardo camo vinga Nice one there for rayon the not numbered auto aqua lava Nice camo vinga there midfielder from france yo, haunson Getting chatting here at this point hmm Like what kind of errors to me? It's not letting you chat. I just got a re-shoot back working. So is it not letting you chat at all? or is it We've got a pulsar there if you're a hashi maybe you're refresh the browser That usually works There's uh specimens messy And benjamin sesco try spinning that's a good trick Now i don't see anything there victor I don't see i don't see anything on your test There's a fuchsia uh mini diamond there uh marco degrasa future stars eventus. I see I see a victor I see your message there I don't agree with it Here's a specimens of virgil van dyke Hmm interesting Yeah, I guess if we get a message guys try to refresh first. Um Should work uh denis bird camp there hope so All right you guys box six this is um six box number 15 Appreciate you all getting in we'll get number 16 going next second half of this case orange orange It is orange auto for you ventis throwback auto there uh dino zoth goalkeeper uh throwback goalkeeper for you ventis 10 out of 25 nice orange auto We go you ventis Soco don't you like that one don't you like that one you got a pulsar uh future stars to a mani Little numbered autos are always good I agree always take one of those There's a fatawu wonder kids sporting gary lennaker Hope everyone's having a good thursday night to start here Getting going with some soccer then we'll get some baseball going basketball then football This is green shimmer um emil smith row. It's a 399 There's a libya jiru for roma on the specimens and a rookie patrick valmark for fire north There is christiano baragi Fiorentina charles de ketlier Roma fuchsia shimmer coming It is edwardo camavinga for real that the auto now we got the fuchsia shimmer to 250 Nice one there real here's a holland specimens It is a specimen doesn't barely fits in the uh the tube Here's a refractor rookie that is all these scarols for west ham. Ooh tops fracter to 52 It is rookie arnaud kelly mendow on the tops refractor number to 52. Nice one there stod reins 20 out of 52. I love these tops fracs. That's a sick-looking design. Yeah the tops The refractors are great. Kareem at a yummy refractor That is true. Hulsar for chelsea reese james I got you shawn. I'll try my best sir. I'll try my best Let's do it. Got a rookie wonder kids gardenacho Thought that was a different shawn Because I don't talk to him The uh the combos seem to be pretty good though. You get a Good amount of variety for sure rookie gardenacho there galasso There is alfonso davies byron Hey nice team nice. Yeah, I like the renaissance man. It is really clean There's u garte throwback Walker Zimmerman too. He's uh One of the better defenders in the league There's a robert levin doski on the purple seismic not numbered that one is for by or for barsa Gonzalo ramos refractor porto Or benafica. Sorry benafica last pack get the next one going here in just a second and doson tattage It's gonna be our last refractor Alrighty guys do a quick cab recap here Start with our top diffractor to 52 had calimendo for stop We had a gold rookie. Uh mini diamond zaire emory for psg We had a true gold kareem adyemi to 50 We had auto pablo tore a rookie auto Um kayo horre and dominik soba sly not numbered And we had two not numbered aqua shimmers or aqua lava autos. We had grease mom and kama vinga We had orange throwback auto dino's off and we had for psg red galasso insert number to five four out of five killian imbappe Great hit there for everybody. Um Appreciate y'all grabbing in this one. We'll get number 16 going here in just a moment


Dwi'n unig a elevate diwethaf, gyda chi eu cychwyn i'r cymdeithasol gyda'u cymdeithasol yma. A mi oedd yn enwedig a bwysig i chi'n wneud fyddiadol o'u cymdeithasol wedi'u cychwyn i ddoedd yn y cychwyn ei hwn. A mae'n gweithio'r ysgol gyda archancol yma eich bod gyfafodd crasif bob ym täff ar gyfer yra好的 achos i'r cyfreidiau sydd y maes teithio i'r gyfafodd cychwyn a chyfeinio.ацol Denmarkbeth cysychologiaf a bobl Lly�� Speak Counter from three different angles. The first angle is called work psychology, and work psychology focuses on the specific tasks that people engage in, in organizations. The cause you'll be offered as part, that takes this angle, is Occupational Health Psychology. That's my cause. In this cause, we look at the effect of these specific tasks on the people that engage in these tasks. mae'r tyn yn ei gwybod i'ch gynhyrch yn ysgolol ar y cwmhaith. Mae'n mynd i ddweud ein hefyd yn ysgolol, ac ymddangos yn gweithio effeithiacol, mae'r cymhob, ymddangos, ac mae'r cyfnod gennyn nhw. Mae'n mynd i'n mynd i'r gwaith yn ysgolol, ac mae'r cyfosol o'r ffordd, mae'r bwysig yn gweithio arllun o gyfnodau ac mae'r effeithio ar gyfer mae'r gweithio. Mae'n cyfnodd yma yng Nghyrch. The second angle is called Personnel Psychology and from this angle you'll follow the cause called Personnel Psychology. Now an important topic in Personnel Psychology is called FIT, which is basically the fit between a person and a job. So having the right person in the right job. Now this is one important way to ensure both happy employees and good work outcomes. And you'll think about how to realise fit through designing good selection procedures as well as good career development programmes in organisations. And as a bonus in this cause I think you might also learn to better manage your own career. So those are the first two angles. The third angle is called Organisational Psychology. In Organisational Psychology the focus is on groups in organisations and the larger organisation as a whole. So tasks, people and groups. From this angle you'll follow two causes. The first is called Work Group Psychology and in Work Group Psychology you'll learn all about groups and teams in organisations. You'll talk about structural differences between teams. Things like how are the tasks divided between group members and how is knowledge distributed among members of groups. And you'll look at social processes. Think for instance about group think where members of a group tend to think in the same way. Or the free rider problem where some group members free ride on the work and effort that other members put into team tasks. And at the end of this cause hopefully you'll better be able to work as part of a group as well as lead groups yourself. So that's the third cause and the fourth and final cause is called Leadership in Organisations. And in this cause you'll talk a lot about leadership. Leaders are thought to be crucial for getting good outcomes in groups and organisations. And this may or may not be true to a certain extent and that's one thing that you'll think about and talk about in this cause. You'll also cover topics like charismatic leadership, power and empowerment. And at the end of this cause you should be better able to manage your leaders and hopefully be a better leader yourself.


When people visit the southeastern Anatolian province of Mardin, this gem of lost antiquity quietly sits, often overlooked, and when one begins to investigate said site, they are often left with more questions than answers. For why does such an astonishing ruin go largely unnoticed? Why is it not more largely discussed within archaeological circles? Should it be due to the fact, as one with any level of knowledge regarding lost civilizations and the proof therein lances eyes upon the site, they instantly recognize its characteristics synonymous with these studies, matching other yet rather interestingly accidentally revealed ruins from around the world. The style of and the decision to bore the dwellings from solid stone, reminiscent of many unexplained ruins, such as the underground city of Derankuyu, a particularly interesting site when indeed discovered entirely by accident, one which to this day remains heavily debated, and to some highly controversial. This site, known as Dara, is exhibiting geological processes which are now unfortunately beginning to erode it back into the landscape. The construction technique, however, still testament to its original builder's abilities and indeed its possible age. Yet, this does not answer the question as to why this ruin goes largely untalked of, largely unstudied and overlooked. For parallel to the erosion argument exhibiting its true age, it can also be used as an advocate for its official dating within the Byzantine era. The lack of surviving ruins will often be used as a way to dismiss such claims of antiquity due to a lack of evidence. Thus, we wanted to dig a little deeper to see if, via visual evidence, we could confirm that there is indeed reason to suspect that the site could possibly generate controversy for those who originally dated the site, this to confirm our initial suspicions. Still, surviving tool marks present upon the stones match that of other controversially dated sites. How can a ruin, apparently dating from the Bronze Age, exhibit such long cut marks or finishes across the stone? Like that of the ancient pyramids, how could copper tools have accomplished such feats within Dara, Giza, and the other sites around the world? It is a question which we find highly compelling.


The Day of Arafah is one of the blessed days in the Islamic Hijri calendar. As narrated by Ibn Muskan from Imam Sadiq, peace be upon him, in a very beautiful narration as he mentions, where Ibn Muskan says, I heard my Imam say, Ibn Muskan, those who visit on the Day of Arafah, the holy shrine of Imam Hussein, peace be upon him, and seek nearness to Allah SWT by being under the dome of the grave of this holy Imam, they will be granted the blessings and the rewards of a thousand pilgrimage and a thousand umrah and a thousand battles between the hands of Rasulullah, peace be upon him, and join me on this Tuesday where we will analyze the important facts mentioned in this application of Imam Hussein, peace be upon him, specific to this day, the Day of Arafah.