Okay, so here's part 2. It's a similar problem, really, it's the same thing, but let's suppose I want to design another roadway, and I want it such that no matter what the case, if the cars go at 15 meters per second, it doesn't matter what the friction is, it could be complete ice, they won't fall off, okay. So, you see here, if the car is going 15 miles per hour, 15 meters per second, and there's no friction force, and you want an acceleration that way, there's one solution that you could think of, and that would be to tilt the road a little bit, because in that case, this floor, the force of the road pushing perpendicular to the car will also be pointing perpendicular to the, in the direction of the acceleration, and so you can get this to make your car turn and circle, and not the frictional force.  Okay, so I assume you did that.  I'm just kidding. Okay, so let me change this picture some, I want to tilt it, I'm going to just erase that. So I'm going to have it like that, at some angle theta, I don't know how much I need to tilt it, but I need to tilt it, and there's my car, headlights, like that. Okay, there's my new picture, and now I'm going to need to draw my new free body diagram. Gravity still is down, and the normal force is perpendicular to the surface, like that. Now when we drew tilted planes before, a lot of times we tilted the axis too, but in this case I'm not going to do that. Let me draw my x and y axis, here's x, and here's y. And why am I going to do that? I'm going to do that because I want the acceleration to be in just the x or the y direction. You don't want to have to find components of acceleration, it makes it a lot more complicated. So in this case, the acceleration is this way, which is just in the x direction. So what's the next step? I'm going to pause you in just a second. The next step is write down Newton's second law for both the x and the y direction. I hope I'm holding that sign up long enough for you, but I want the video to be not too long too. Okay, so, boom. So I want to write down f net x and f net y. They're going to be different than before. So in order to do this, I only have this force right here that needed an angle for, and that's going to be theta, because you can play around with that if you want. But as you make that go back down to zero, this will be pointing straight up. So that's a good way for you to see that that's the case. So let's pursue the x direction. I'm going to erase this. So here, this is my y component, and that's my x component. So the x component of the normal force is it's going to be equal to n times a sine of theta, and that's going to be equal to the mass times the acceleration of the car, which is going to be v squared over r. And in the y direction, I have this component of the normal force in cosine theta minus mg equals zero. And now here's where you have to be careful. The normal force in this case is not equal to the weight. So many times it is people fall into the trap of always saying that, and it's not the case. Okay, so here's a good pause point. So what you want to do is see if you can solve, if you have enough information to solve for theta, and if you do then do that. Okay, what don't I know? I don't know n, I don't know theta, I don't know the mass. I have three things I don't know. I know the velocity of, I said that was going to be 15 meters per second, and I do know the radius of 57 meters. Okay, so what do I do? I have three variables and two unknowns. Well, let's just, you know, one thing to do if you're not sure what's in that water, just jump in it and find out. So let's jump in the water. I'm going to solve this for n in cosine theta, n equals mg over cosine theta, and I'm going to plug it in up there. So now I get mg over cosine theta, sine theta, equals m v squared over r, and you see I was right. It was okay to jump in that water. There were no sharks, or many eating sea monsters because the mass is canceled. And again, that's good. If the mass didn't cancel, I would have to have a different angle bank for different mass cars, and that would be not nearly as cool. Okay, so I'm trying to solve for theta. So I can divide both sides by g, and I have sine, well you could pause right here. You solve for theta. Why am I doing that? Okay, you did it. Let's see if you did it right. So I can divide both sides by g, sine theta over cosine theta is tangent theta. So I have tangent theta equals v squared over gr. This is a great place to check if you're doing the right thing. Tangent theta is a ratio, so it should have no units. So this should have no units. This is meters squared per second squared, that's meters per second squared times meters, so that has no units, too. So theta is going to be the inverse tangent of v squared over gr. So I know v is 15, so theta equals tangent inverse 15 meters per second squared over 9.8 newtons per kilogram or meters per second squared, they're equivalent times 57 meters. And so what angle does that give me? Okay, let's see, 15 squared. I get 21.9 degrees, so approximately 30 degrees. That's kind of steep, but that's if you want no friction at all. Okay, just take this to the extreme. What happens as you get a bigger and bigger circle, well in that case, r is going to get greater, and so your angle theta is going to be smaller. And if the velocity gets larger, then you're going to need to steep that angle up, increase that angle up. Okay, I mean this is really the same thing they do with the NASCAR racetracks. They tilt it so much. Okay.


At the very beginning I would like to thank Dragoj Georgiu for his invitation for this nice session focused on anthropomorphism and various perspectives of anthropomorphism. I hope I will contribute with some of these directions in which anthropomorphism is studied lately because it's not a topic that was studied decades ago. So it's becoming a current topic that I think will inspire many people to think more about human representations or something that looks like human in prehistory or in some more modern times. So quite often when we talk about Neolithic we are talking about domestication and it mainly regards domestication of plants, domestication of animal but almost no one is talking about the domestication of human body. I mean not in a physical way but more in conceptual and symbolic way and we have evidence especially in the Neolithic Balkans in the period between 7th millennia until middle 5th millennia that the Neolithic farming communities were producing so much of human representations and it's sort of explosion of human representations in 2 millennia and this absolutely considers a novel perspective of human body in the Balkans because previously in Paleolithic or Mesolithic there are no human representations in the Balkans in spite of Central Europe or Eastern Europe where we can find a lot of human representations modeled or painted or engraved but in the Balkans there were no representations at all so suddenly in the beginning of Neolithic there are a lot of figurines and different anthropomorphic items that were quite dynamically and often used in this first farming society. So in this sense we can say that actually the anthropomorphism was one of the main concepts which was also incorporated in the Neolithic Balkans and absolutely considers the novel perspective of human body or the importance of human being within the society. So this is a map of Europe with a part of Neolithic Balkans so as I said this considers period of the middle of 7th millennia until the end of Neolithic in some regions in the middle of 5th millennia so there are a lot of discussions about domestication and Neolithic process in the Neolithic we are not going now in that direction but these discussions or sometimes arguments about the domestication of plants and animals are different. There are some archaeology that they want to imply that domestication of animals or some animals, some plants happened in some parts of the Balkans but there are more arguments that most of these plants and animals are coming from Near East that is Anatolia and from southwestern Turkey they were introduced to the Balkans. So that's why when we often talk about domestication we consider this kind of movement of biological, let's call them items into the Balkans as something new. This also considers the way of living. Before Neolithic most of the societies were living in tents or some kind of simple dwellings but with the reduction of Neolithic there was absolutely life within, more fixed and concrete buildings mainly of daub so that's why we can say that actually the life or the houses themselves were sort of domestication and bringing people to one point and making them living together because of some environmental perspective they had mainly based on availability of plants and their harvesting. So in these terms we can say that also the houses themselves become domesticated or they were modified and transformed from what was before in the Neolithic Balkans into something absolutely different and made of really fixed and concrete material that is daub. Clay was also something new, I mean there are a lot of interpretation about clay used in upper Neolithic in the central Europe some attempts of making figurines of clay and also clay used for covering the baskets in upper Neolithic in central Europe but in the Balkans there was no clay used at least for production of vessels and human representation so we have sudden introduction to some material that was also essential for making human representation so in the early Neolithic and especially in the middle Neolithic there are thousands and thousands of human representation produced so a lot of figurines were made which is a new practice in the Balkans as I said before so which means that actually the material itself was sort of domesticated so it was introduced for the first time and that's how it was intensively used in producing vessels and human representation so talking about human representation we now can think more about the concept of anthropomorphism or I would rather say anthropocentrism because in the Neolithic as I said there are thousands of human representations that indeed induce some kind of focus on human body and using human body as a reference for something we still can discuss what was this reference for but for surely there was something new happening in the Balkans and it put the human body as a center of it there were also animal representations but in many of the sites where I studied the material most of the representations were human but in some other sites in the Balkans you can also see frequently animal representation so that's why when we speak about anthropomorphism we cannot say that generally anthropomorphism was present all over in equal way but in some societies we see that the communities were preferring more human representation than animal representation and there are some sites or some villages which were also producing more figurines than animal figurines than human figurines so that's why I will assert this concept of anthropocentrism in some parts of the Balkans where we find a lot of figurines and these figurines are in the beginning more stylistic initial stages of Neolithic but in the medieval Neolithic we see a lot of in terms of Neolithic aesthetics, realistic figurines and the diversity of figurines which are most frequently maybe focused on female body but also there are a lot of communities and settlements that much more produce bodies without any gender indication so there are also a variety of how the body was understood and which gender would be asserted in some communities so we see this kind of introduction of human body into the Neolithic societies as something that doesn't rely on one general concept but there are different concepts and probably different ideas should be proposed or manifested throughout this object although for decades the figurines were understood as assertion of female body but we must say that there are also thousands of let's call them asexual bodies presented in the Neolithic and they absolutely consider some different ideas than these figurines that are on the slide now but one of the most essential concepts which was introduced in the Neolithic Balkans is hybridism actually combining human body with something else so using human body as a reference was something that was produced in the Neolithic household so whatever was produced in the Neolithic that was not present before in the Mesolithic or Paleolithic was in a way symbolically explained through the human body and we will see a couple of examples of it so whatever you find in the house involving the house itself was actually explained through the human body as they are anthropomorphic house models anthropomorphic vessels, stamps, oven models and different items that were actually anthropomorphized and they were originally used for some other purposes which were also introduced in the Neolithic they were not so common before we know that the idea of hybridism as we saw in the first presentation today comes from the upper Neolithic in Europe it mainly considers involvement of human body with the animal body but in the Neolithic we have something new I mean as I told you the clay was introduced the clay vessels were introduced for the first time so there are attempts to explain the vessels as a human body and these are just a few selections of anthropomorphic vessels that are a high number not in the early Neolithic but in the middle Neolithic especially in the late Neolithic when society changed significantly towards something else so besides these anthropomorphic vessels that are based on this combination of human body and a vessel as some unique sort of container and something that still reflects in our own terminology of vessels when we are describing the vessels today so we can say that this concept of anthropophizing a new item in the Neolithic was also broadened in different objects so we can see smaller objects with maybe similar function as vessels but they are not so, how to say, practical for such use so some of their helgists are considering them as ritual items some as children toys but anyway we see different types of vessel that has human body features also stamps were something new in the Neolithic they were mainly used for putting some decoration on a soft tissue so some of the stamps they are not many but some of the stamps had human body so we can see that actually with the human body they wanted to imprint something onto the clay or maybe textile or maybe human skin or maybe dough on the bread that was baking afterwards also besides these sort of representations of human body we can see nothing high number but there are a couple of models of ovens that are represented as human body as well so these are common for Serbia, not so much in other regions but they are oven models that actually has human features and they also imply this kind of understanding of oven as a human body that doesn't consider any society but some of the societies that had this idea also we have to consider some practices of burials that were performed in the Balkans and in Hungary as well within the oven so which means that a different symbolic concept was given to oven not only by its representation but also by practices that were performed within the buildings, within the houses and finally we have these kind of house models, anthropomorphic house models that are actually lanterns, big lanterns, some of them are 40 centimeters high and they actually assert the essential idea of the Neolithic communities that the house was identified with human body and it was in some areas more apparent identification of house with human body in some areas was mostalized as this idea was progressing and spreading but anyway in the core of this idea is that human body is actually identified with house because it was something new, I mean the fixed houses were for the first time built in the Neolithic especially with this material the dove which was burned maybe before or most likely after the end of the life of the house so that's why probably it becomes much more apparent object or some material that was visible and present within the community so that's why those that build these houses were actually identified with houses so we don't know who these houses represent or these house models represent but they are definitely commemorative because most of these items are lanterns there are evidences of smoke onto them so they were representing some important individuals maybe those that build the houses, maybe some ancestors, maybe some date don't know but anyway they are associated with someone important so now the question appears whether these houses actually represent someone as individual or they represent houses as a human so there is vice versa question whether the house was anthropomorphized or someone important was how to say house architectureized so it's really interesting concept that actually appeared in the Neolithic Balkans and that was going to the core of this idea of domestication of human body in a symbolic way I'm sure if young Hodder when he was writing his book Domestication of Europe knew about these objects I'm sure that he would put this one in the front cover because it goes quite well to his concept of domus and agrius and how actually the Neolithic communities identify their bodies with the function of the house or they wanted to explain the house throughout their bodies and not only the house but everything which was inside as I showed you before you saw anthropomorphic house models anthropomorphic stamps so many other anthropomorphic items were produced also anthropomorphic figures, thousands of them so we can see that actually whatever was produced in the Neolithic was anthropomorphized in a way so that's why the concept of anthropomorphism is rather anthropocentrism than something else and this involves especially the hybridism as something that's a highlight or strengthen this idea of becoming human or being a human within the farming society thank you


In this presentation, we will take a look at the calculation for earnings per share. The earnings per share calculation is useful for people that are analyzing the stocks. It's a very common calculation, so we want to take a look at the earnings per share. We want to say what it does and what it does not do. First of all, the earnings per share can give some kind of implications that aren't exactly true when we think about the earnings per share, meaning the earnings per share by its name would often give us the impression that those earnings would then be distributed to the shareholders, which is not necessarily the case. So earnings per share is going to be useful for analyzing the stock, but isn't exactly what is going to be distributed. Almost never will be what is distributed and can lead to untrue expectations about what the dividends may be. So in order to think about this further, let's just take a look at the calculation, what the calculation will be. We'll start with net income and then we're going to divide net income by the weighted average common shares outstanding. Now what this means is what we're just doing is we're taking the net income, which is of course the performance of the company, how the company did over the time period, whether that be a month or a year, and we're dividing it. You could think of just basically the shares outstanding. Why do we have the weighted average? Because we're trying to find out how many shares are outstanding, kind of average through the time period, and if there were no new shares outstanding or no new shares issued, then it would be the same. In other words, we would calculate this as taking the average or the shares at the beginning of the time period, whether it be year or month, and then these shares at the end of the time period, year or month, adding them together, dividing by two. And what we're trying to do then is find, okay, what's the average amount of shares that are outstanding at any given time? The only reason that would change is if the company issued more shares, something that doesn't happen all the time. We might not think that because shares are being traded all the time on like a stock exchange, but those shares aren't being issued from the corporations typically. Most of those shares being traded by far are just being traded amongst individuals not being part of shares that are being issued from the company. So in other words, when we think about the shares being issued from the company, it's kind of like we are having an initial an offering of the shares and that's like the owners investing into the company. We expect that to happen at the beginning of the company and periodically as we have the need for capital throughout the life of the company, but we hope that normally what's going to happen is we're going to have generate revenue, generate money into the company and then the money should be going the other way in the form of dividends out to the shareholders. So you could think of this basically as net income divided by the shares outstanding for the most part. And then what that means is that we're just basically taking, if we had each number of shares outstanding, you could think of it as net income. If we had the cash, we had just a pile of money, the net income, what we've earned throughout the time period and the number of shares divided by that, you would think okay that just means the amount of money then that the company has earned, they can then be allocated to each share. And so then if we then owned the shares, if we owned one share, you would think that that would be the amount of net income allocated to our one share. If we owned two shares, then we'd get, you know, twice that amount each share being proportional. And that's why it all works out nicely as we are a corporation. What this can lead us to think however is that, you know, the net income is owed to the owners in a sense, we are the owners. So you might think we might think well if we have net income, we should be distributing that net income in accordance with however many shares are out there, which could happen, a company might say, hey we earned this much money, we're going to distribute that money to the shareholders. But that decision isn't necessarily the stockholders or not directly. The stockholders vote for the board of directors which would then decide how much dividends to give. So the dividends could be whatever the company decides to give in terms of dividends. But this is a useful calculation for us to think about okay what was really kind of generated in value. You would think that the value of the stock would go up from a market standpoint in terms of the cost of the stock in some relationship to the earnings per share. That might be some kind of logical relationship or correlation between those. Doesn't necessarily correlate to the dividends that would be given. Why might it and why might it not? Well, some companies, if they're really established companies and they've been doing very well and they don't need to invest in more capital because they already, you know, they already have all the capital, the infrastructure they need to generate revenue, the business model is set up and they know how to just make money with it. Then they don't need more capital investment to generate more earning potential. Then they may give a lot of the dividend back because that might be their business model. They're established companies, they're just making money doing what they do. They're already in place and they have a policy of giving dividends based on their earnings. But that's going to be a policy standpoint. Or a company may be a growing company or have ideas on growing in the future, which would probably include capital investment, investing in more machinery and investing in more individuals and buildings or something like that with the goal of income generation in the future. In that case, even if we had income, we may and we could distribute it, but we may not, the company may decide, we're going to hold on to that income and we're going to invest it. Why would that be okay to us, the shareholders? Why wouldn't we just sell the shares and say, you know, you're hoarding the income, I want the money back? Because we're hoping in that case, if we're that type of shareholder, we're not really looking for income through dividends. If we're holding a stock that plans in that format, we're looking for the value of the stock to go up. If they do that, then we would think there's going to be future value going up in the corporation that will increase the value of the stock price now. And hopefully that would be the idea and possibly lead to income in the future, either through dividends that would then be distributed to us or through the sale of a stock, which would increase in value. So this again, very common type of ratio for us to kind of analyze the stock, it gets a little bit more into the type of analysis we would do if we were valuing the stock rather than the type of analysis we will do all the time in terms of creating the financial statements. However, once we start to look at the financial statements, we want to start introducing these ratios because they can help us in the creation of the financial statements, because they can point out where there's going to be problems and see and point out areas where there may be errors. So as we start putting the financial statements together, looking at some of these ratios will be very useful for decision making, for putting the financial statements together for detecting if there's errors for looking at audits. They're also very useful for my financial statement standpoint, from a financial analysis standpoint, from an investor standpoint, for example, trying to determine the health of the business.


Hello, my name is Mayor Duval, I am going to take you through some tips and secrets in the industry, how you can become an expert when you buy a property. We see in 2020 that more and more first-time buyers are coming to the market and what we see is that although we are entering the market as first-time buyers, very little research is done as a home buyer how to get yourself ready and to get active in the market. Buying a property is one of the most expensive property investments that you will ever make and I'm here to share with you today how to become an expert, be an expert and actually make sure that when you buy a property you make it with the best advice and information available. In 2020 we see that 53% of home loans are coming from first-time buyers. All of a sudden first-time buyers are coming to the market and really getting their feet into the door to own a property. However, we still see that 56% of home loans are declined and we ask ourselves a question why is this happening? The interest rates are the lowest ever been. Home loan is the biggest investment one will ever make but we find that a buyer spends more time doing research what the mobile phone will cost him and the features of the mobile phone plan to buying a new property. So often we see that first contact that an buyer will make with an agent is purely to submit an application form on property 24 private property or the website of the estate agent to ask to contact me. This buyer enters the market with little knowledge of what will be required of a bank to qualify for property finance. They often rely on the information provided by the estate agent to guide them and assist them to buy a property. Quite often they do not consider the opportunity to qualify for a government subsidy such as FLISP to help them to buy the property. So we started digging a little bit deeper into the transaction of and DNA of buying a property and we say how much does an agent know about you as a property buyer?   So that brings us to the new buyer. Is the buyer actually also blindfolded? We're not talking about the estate agent only, we're talking about the buyer or is the buyer actually a person that's got the same knowledge as a Facebook client will have? So is the buyer just a name, telephone number and email or is the buyer actually also with a lot more information that when you come to the property transaction all this information is available about you? So we started looking what others are doing. We went to have a look at TPN tenant profile network. They profile a buyer or a tenant actually and they investigate if a tenant's got a good payment behavior. Now they even expanded the service to a service profiling a buyer or a tenant for property, for schools and for businesses. Again the tenant and the landlord needs to understand that I want to be a good tenant and therefore the tenant needs to put the base foot forward. Now we ask ourselves this base foot forward is this also applicable when buying a property? I'm a property buyer and I'm approaching a landlord. Am I approaching the transaction also with my eyes wide open or do I actually come be blindfolded? Why do I understand about property finance? What can I afford? Can I get a government subsidy? Are there alternative finance solutions for me like rent to buy, installment sales, even pension back loans? Do I have a deposit? What impact will the deposit make if I put down a deposit? Can I negotiate a better interest rate? What type of property can I buy? Do I have to buy an apartment? Do I buy in a security complex?  Compare this with a cell phone, compare this with a car. You get a warranty, you get an extended warranty for your car but with a property you buy it, puts to it that means as is. A transfer process, how does it work to actually take transfer of a property? How long do I have to wait before the transfer is registered on my name? When can I move in? What happens with my keys? So we started doing some research and we actually went online and we asked a lot of our readers and our subscribers what do they actually want?  How much do you earn per month? Do you earn more than $22,000? Do you earn less than $22,000? Now this $22,000 is critical because $22,000 is the ceiling of a cut of income that any buyer will get as a first-time buyer to qualify for a government subsidy. We also looked into a little bit deeper. If you want to buy a property, do you understand that your credit score must be in good check? So we had a look and see that quite a lot of buyers that actually haven't even looked at their credit score. A lot of them actually also went ahead and applied for a home loan pre-qualification. So they actually start shopping with some knowledge, some power in their pocket that they already have qualified themselves and they understand the home buying process. Then we realized we have to combine this information with online consumer housing education and we took this one step further and it's been actually going before COVID that we decided to take this information online. So we developed four modules. Our home buyer can actually equip themselves, educate themselves, inform themselves to get ready and fit before they buy the property. We did a little bit this and a little bit different. Normally you first read the book, what we did to be first developed the videos and then we published the book. So you've got a complete home ownership guide available for yourself and the content is exactly the same as in the videos. So now you can actually watch a movie and then you can read the book. So we started looking at me as the new property buyer. Am I educated? Do I understand the building blocks of getting to own a property? I'm looking at my affordability. Do I get a government subsidy? Do I have my thicker documents in place? Everybody will ask that about three or four times from myself. Do I have a deposit available? Now we can actually even change the block of deposit, bringing it closer to flisp because quite often you can use your flisp deposit also. Your flisp subsidy also has a deposit. When I qualify for a home loan and what I've loaned around will I qualify for? What type of property can I buy? If I buy in a sectional title scheme, what do I need to look out for? Do I need to look for the financial affairs of the body corporate? What impact will that be if I buy property and the body corporate is not managed well? So there are so many things that I need to educate, empower myself as a new buyer. So we decided to put all this information on one platform. If you go through a process, you get a view of your credit snapshot. Obviously if your credit profile is low, rather go for repairs first. Then we determine your monthly budget.  We also need to look at your personal information and from this information we are able to issue with a pre-qualification certificate for a home loan. This goes even further that we are able to give you a thicker pre-qualification as well. And also we give you a flisp pre-qualification. Now this flisp pre-qualification is very handy because you can use a flisp pre-qualification to apply as a deposit when you buy a property. We also enable you to upload your thicker documents so you only have to upload it once. We distribute for you to the bond attorney, to the transfer attorney, to the estate agent and everybody involved. Lastly you can upload your property interest that we can understand if you are buying a property in a security estate, two bedrooms, two bathrooms, parking, whatever you require from this. So this is one dashboard that will cover all your requirements for you as a property buyer. So we started looking at the property finance. What will a bank require? So we want to assist and educate and teach the home buyer to understand how a bank will think. Think like a banker because if you can think like a banker you can outsmart the banker. If you can outsmart the bank then you know what I do have to have to actually get a home loan approved. So the ingredients are very simple. There are three ingredients. Number one is your credit profile but again if you approach a bank or any lender with a bad credit score most likely they will decline your home loan application. The next one will be your affordability. Remember here you can also add your flisp subsidy to boost and bolster your affordability to qualify for a home loan and add a subsidy on top of your home loan to buy a property that's more expensive. The third one will be a loan to value and this is where deposit comes in handy. So a flisp subsidy again is a very valuable and handy tool to assist you to qualify for a home loan and you can put down your flisp deposit and negotiate a low interest rate. Three ingredients of buying property are the most critical concepts and that you have to understand to be able to buy a property. Now we have to also look at what if. So what if my credit score is low or bad? Will this keep me away from owning a property or will I actually be able to improve my credit score? How long will it take? What I need to do to improve my credit score? So we started looking at quite often a person feels that a decline has actually stopped my home ownership journey. Look at 56% of home loans are declined and we say that does this flat tire actually stop you from earning from reaching your goal? And as on either one of my team members or often say a flat tire doesn't stop your home ownership journey. What you do is you try to repair it. If you can't repair it yourself then you get assistance from somebody else. So we started assisting people and say let's first start as number one with your credit score. Does your application land up in the dustbin and that's the end of your purchase? Or do we analyze your credit score and if the credit score is flat or we've got a red score? Do we actually take that credit score and submit it for debt repay and get the right professionals to help you with that? Maybe you can't fix it yourself. So we've involved professional teams to assist you. But if your credit score is good let's get going and help you with your home loan, affordability analysis. We've teamed up with a company called Octogen and they are our professional flat tire or debt repair specialist. We're glad to help you in that instance should you have a bad credit score. So we further looked at how do people actually determine what is the home loan they can qualify for? We looked at what's going on in the industry and we see that many people are still using the traditional calculator. You put in the amount, you have a kind of indication of interest rate and it breaks down the home loan you ought to qualify for. Now this is old school. We decided let's take it more modern, let's take it online, let's make it accurate. So we took the home loan application process and launched it in 2016 and in those days it was published is this the game changer for pre-qualifying buyers? Now this is four years ago and you'll see now what happened in the last four years. If a thousand people signed up we find that 50% of them still fall off due to a bad credit score but the good news is that out of that 28% of people that start at the top actually receive their home loan pre-qualification certificate. Now I'm thanking COVID at the moment and I think it's one of a few things that happened positive in my life during COVID that our numbers have actually drastically increased because a lot of people do not want to go to the banks anymore. They do not have the time or they don't for safety purpose want to stand in queue to the bank. So we've seen a dramatically improvement in the figures of people that go online to do their home loan pre-qualification. You can see from September 2019 to August 2020 more than double of the number of people actually have gone to our online systems to check out the home loanmaking qualifier. And the best of all is that the bond originators that are using our software advocate that 90 percent of people that come through the system actually get their home loan approval and for me this is one of the most amazing advancements of the technology that's been developed to take home loan approvals up from 75% to almost 90% for me this was really the cherry on the cake. So the process is very simple you register online and when you get a welcome letter you then can pull your credit score. If your credit score is low or bad we connect to a debt repair service. Then you have opportunity to link your bank statements with the software. Through this you can I guide it then to calculate and inform insert information about your income and expenses. We immediately identify if you earn less than 22,000 rand. Remember 22,000 rand is the golden cut-off amount for a government subsidy. You can qualify for the subsidy if you earn between 3,500 and 1 rand and 22,000 rand. Immediately once you've completed this the agent or consultant and yourself are notified about the home loan amount that you ought to qualify for. Now this becomes very valuable because this is your bond pre-qualification certificate. This gives you the power to negotiate when you go to buy a property and in demonstrate that you are ready and pre-qualified as a home buyer. If you earn less than 22,000 rand we can put on top of that we can put your government subsidy as well. Immediately after that you can identify the property type that you want to buy and to make your life easier you can also upload your FICA documents. So the golden dream that you are chasing after here is to receive an online bond pre-qualification certificate. With this certificate you get a notification that the home loan that has been determined for you through online process which is 90% accurate compared to the 75% or even 50% approval rate is as good as you can get. This puts the power back into your hands to go out buy property negotiate and have a piece of mind that it's very likely that your home loan will be approved. But again there are more than one finance solutions. We look at almost as the hippo of home loan finance and we say let's look at a couple of alternative property finance solutions. You've got a home loan. If you earn not more than 22,000 rand and you are a first home buyer you can qualify most likely for a government subsidy called flisp. Then the alternative finance solutions available rain to buy or installment sales are also available and last but not least don't forget pension back loans. This is a huge opportunity to assist home buyers to actually apply back to the pension funds to make funds available to help them to buy properties. Now the interesting thing comes around how can I then use my government subsidy when I'm first home buyer and save 59,000 rand. Now this 59,000 rand is not cast in stone. The amazing thing is that if you earn less than 15,000 rand you can even get more than 59,000 rand. The biggest subsidy that you can get is a hundred and twenty three thousand rand. So let's take you through the process. The answer for that is actually use your government flisp subsidy. So I did some calculations and I look at the person and 15,500 rand a month. We work out the bond amount that you can qualify for and that bond amount comes down to 649,000 rand. So this is your buying power that you can go out. You can now add the subsidy on top of the 649,000 or if you want to save money you can take this subsidy and you can deduct it from a purchase price. This means that the 500,649,000 rand property will you will only pay 59,590,000 rand for that property. That is a huge saving that you can get. So we always say when you're first time buyer do not forget about flisp. Flisp stands for finance linked individual subsidy program and you need a home loan to get qualified for that. So now you can buy like a seasoned property investor and you can actually get your property under the market value. Remember when we started out we said that you make your money when you buy property not when you sell a property. So here you have already entered the market for 59,000 rand below the market value. This is a huge opportunity for any buyer. So we asked the question, me as a buyer do I now enter the property market with a blind fold or am I actually with my eyes wide open? Better understand the process. How does it work? How do I get my foot into the door? How do I pay less than the market price for a property if I'm a first-time buyer? I know what I can afford. I know what I want. I'm educated and a well-informed property buyer.  Thank you very much for your time. It's been a privilege and we look forward to assist you further to educate you inform you and empower you how to become a buyer and how to make the best out of your government subsidies. Thank you very much. That will be all for me today. We look forward to entertaining some questions and we'll be opening the floor right after this to take the applications and questions. Please feel free to bring your questions. We'd love to answer them. Thank you very much.


Okay, it's Think Tech, it's Community Matters, I'm Jay Fidel, and the magic word of the day is Joshua Cooper. Hi, Joshua. Aloha, how are you? I'm good. You are into human rights.  You've spent a lot of time in studying the subject, thinking the subject. And I want to compliment you because I think we all need to do that. But the question is why do you do it? If you wake up one morning and say, oh my God, I'm late, I got to get involved in human rights. Did somebody talk to you? What happened? No, I think I was probably growing up in why and I sort of planted the seeds when you get to see how your world works and then definitely growing up in why and I living in why and I but probably commuting and taking the bus to UH. You kind of see the two worlds of Hawaii and I think what's important also is, it's also what I was studying in college, it's what I was doing in high school. It's really in everyone's blood. If you look at every song that's written, it's either about love or it's about revolution and making a difference and finding meaning and purpose in life. So I think it's a universal story many people feel. I think one thing that might separate me is people, it's always struggle how to do it and how to get involved in what you can do. And so for me, I just got lucky in that I was always involved in student government and newspaper writing and journalism of political science either writing the news or making the news. And more importantly, I realized we're all in this world together no matter where we're at. Wow, there's an answer to my question. How long you've been doing this. Probably decades, two, three decades. Yeah, wow. And it's a life mission for you. You're not going to stop Joshua. No. In fact, even with COVID I'm even getting more busy. I'm just zooming. So I have meetings in Australia. I just got off a meeting with San Francisco in New York, and I got a meeting this afternoon, focusing in Geneva. And one good way is I get to make a world of difference from my bed now which is a little different before where you'd have to sort of prioritize where you're going and what you're doing. But no, I would love to retire.   In human rights work. One of the things you love to do is if you can actually make yourself not be employed. That's one of the benefits that no longer have to worry about a human rights harm. And everyone has their rights respected and you're like, sweet, I made myself unemployed, and the world's a better place. So that's how we're going to unpack that Joshua. I got a couple of questions that come to mind with it. You know, you make me think of a guy who is connected to the world with zoom or some like program, and it comes down from the ceiling and when you wake up.  There's one there and it's a seamless connection. The world, you know, can see you because it's coming. I know zoom is expanding into our lives in our society. But second question is, so you're on the phone all these people in various places. What are you talking about? Is it are you making a movement here? Is this an activist thing, or do you just want to schmooze and find out what's going on in terms of a human rights and be anti human rights. Yeah, no so the call I was just on is for the universal periodic review. And what's exciting is the world agreed in 2008 that every country would have a human rights record reviewed every four and a half years. And so the United States will be reviewed on November 9 the week after the election so perfect timing so to speak. But I was working with the ACLU director of human rights program Columbia University, the US human rights network, and people who are directly impacted their human rights have been violated who are now active and involved in part of the solution they consider themselves human rights defenders but also human forces. And the other aspect is working on the issue of climate change and sustainable development so human rights was definitely important and it's crucial. And the big terminology now is also sustainable development goals the UN 17 goals. We have our own aloha plus challenge with six goals. And that one is about when at the federal level, they do not do what they should do. Then we can also organize at the city level, because so many human rights issues are at a local level that we can be being born be involved to make a difference so in Hawaii we're doing a voluntary local review at the UN General Assembly at the end of the month since it's September now, you're going to do that. Yes, be partnering Hawaii green growth and many different public private partners coordinating together to come up with a sustainable future for Hawaii. This is not easy. What's in your toolkit. I mean you say you want to take action on this that and the other thing. You know it's nice to have meetings and Lord knows there's enough meetings but what do you do. In fact in action what what what what tools and points of leverage do you try to out of your toolkit. It's good to have a lot of tools in your toolkit. Too many people see it's a problem and only have hammers, but even a hammer has the other side that you can take the nail out with. And I have a very vast toolkit that is direct action and diplomacy I say that's the two parts of my toolkit and if the government's good. You got to focus on the diplomacy if the government's not where it should be you have to use the direct action. We all work together it's peace and human rights and so for the UPR the first thing we do is talk to people, explain what it is talk to about their human rights most people don't know. Eleanor Roosevelt and American chaired the Commission on human rights to create the Universal Declaration of Human Rights. We see a real deficit in education as far as civics goes. So it's, it's people are just shocked to know what the Universal Declaration of Human Rights is know how it overlaps with our Constitution and bill of rights. And what do not only what's wrong but I think what's important about human rights, it's proactive and participatory it's what do you want. So I see a whole new segment of society you never engage with politics, take it from a human rights based approach, coming in as solutionaries, seeking change that they want, and not just dwelling on what's wrong but what they really want. And the good news is when you have that. You take that to the UN, and they're the ones that put the questions recommendation so in a way you kind of a state sandwich you have the grassroots of IE coming up from the ground and the global and you squeeze together just to make the truth a little bit better. And I remember that word. The UN that's the one that Trump defunded. That's the one where the Human Rights Commission is not only populated by but chaired by the Chinese who have a very special experience with human rights in in Xinjiang in the West with the Uyghurs. I mean, how can that be about there so on a good front. The UN has many different parts. So, and we can talk about so he definitely wanted to defund the World Health Organization, not the brightest idea when your country has the highest rate of COVID cases and deaths so not smart. You'd want to connect and hear from other countries on how they do it and learn lessons so that's just one reason why multi lateralism matters and how we need leadership because we need our leader bill to connect the dots and understand consequences. How do you how do you do that though I mean we know we have a president who's not interested in multi multi lateralism and who is he's a he's a wrecking ball. And so the question is we do call him up. One friend of mine, you know was complaining about the violation of the Hatch Act last week at the Republican Convention. I said well why don't you why don't you go to Washington and make a citizen's arrest, get on a plane, talk to those people. The problem is how do you what are you going to do what are you going to do about it with a wrecking ball. Yeah, so on a certain front. That's why human rights and we're just so valuable so it's not just political news only as a wrecking ball for recognizing it so your case you brought up of the Uighurs is a good one. I help and work with the Uighurs and we brought up this issue, probably two years ago at the UN Committee on the elimination of all forms of racial discrimination. And by bringing that case there and bringing the Uighurs firsthand to share what was going on. We were able to cut through. In the first place it was the Chinese who were using lies which our current president does as well, but they were saying, first they don't exist. Then the second one was okay but their, their education camps like technical colleges, and then now it's like, oh damn like the world knows the truth so you know we're really truth tellers and speaking truth to power. We have to go in and really challenge and being able to prove the situation and then to also point out the laws on our side. So, and what you talk about the Chinese that's not even the end of it during Ramadan they forced them to eat pork. They do all kinds of horrific things that really do play on the mind and soul of the Uighur people. It's cultural torture. What benefit did they get out of it? Is there troubling in the sense that it doesn't really help anybody? Why would they do that? I mean is the violation of human rights a kind of shodden Freud desire to hurt people, no matter what just to hurt them? I mean why do people do that kind of thing? Yeah, no I mean the root of it is it's you know it's it's to portray image of strength China plus the current administration both use it as law and order but the real thing they're forgetting is it's about rule of law and make sure we live up to those and not just using it when it's to your advantage. And so what we have been able to do with the Uighurs is that now is a global movement. There's no way that China is getting away with that the people around the world understand it. It's the same thing here is we have to always stand up for these basic rights and we also have to understand if anyone's rights are violated all of our rights are violated and we have to work together that way. And if you look at the source of human rights it's definitely in all the religions of the world but it's also after 1945 it's the end of World War II and it's that spirit of never again. We just commemorated the end of World War II. It was that spirit of never again and it was giving tools human rights are a couple of things one. It said that everyone has to work together if there's a human rights violation. That's one but the other it's also a toolkit for people to defend themselves freedom of thought freedom of speech freedom to assemble freedom of expression gathering organizing voting. These are all really the ingredients in the recipe for a moral revolution to make sure people can defend themselves in a bad state, but also the tools that we need to set up the global way of working together it's really a agreement to live with one another. You're talking about regime change in some cases then a bad state would be a state which has a regime that needs to be changed. So is it a matter of duty to somebody who believes in human rights to take steps to remove the dictator. I mean, what's happening in Belarus is very troubling. And they're coming down on people now and complete violation of any rights that people in Belarus have had before. And what's even more trouble do about that. What's even more troubling is normally the United States would be a country, Secretary of State would be there speaking for peace democracy human rights, and with the people. And now we have hypocrisy where we're doing the same thing in our streets. So we can't really speak with moral authority. And that's where human rights is so valuable. Normally only China, Russia would try to weaken human rights and use it only as a political tool and if they ever spoke out about human rights, it was to advance a nationalist agenda. And the United States isn't perfect, but at the global level, no matter which president there was this belief that fundamental freedoms of all people and if the US even didn't uphold that the people would always go in the streets and peacefully push for that. So I think what's most important is we can say it's regime change, but more important it's actually working with the people who are asking for a better life based on what they're calling for. So it's not coming in from abroad saying this is the way to go. It's what people are asking for. And the easiest way to break through it all is, would you want to live there? So when everybody ever gives me something about you don't understand it, what would you want to live in Belarus now into those circumstances and then it's like, well, that's another story. So I think that's always the easiest way if someone talks about this or that, put yourself in the shoes of the people there, and then that allows you to then organize from that point in perspective. Well, it sounds like, you know, one of your biggest toolkit items is embarrassing a country that is violating human rights and knows it at some level, it knows it. Unfortunately, a country like China is, is going to try to dampen the press. I mean, recently they arrested a TV journalist who happened to be ethnic Chinese, who was from Australia working for an Australian network they arrested her. Well, she was in China saying, wow, they're coming down on, you know, the First Amendment and I know they don't have one. They really don't have one. And I worry about that happening. For example, it's happening also in Belarus. It's probably happening in Hungary. It's probably happening in some of the dictatorships in South America.  It's happening here. It's nuanced, but it's happening here. You can see it almost every single day. So the press is a big piece in the toolkit to deal with the deprivation of human rights. How do you deal with a dictator who is, who is withdrawing freedom of the press? Yeah, I think that was probably the most alarming part and also one of the strengths of human rights. Human rights is also a temperature taker. Because you take the temperature of a country, so we don't have to wait till you're being taken to a concentration camp and we don't have to wait until all your rights are eroded. When you start seeing a couple rights being eliminated, that's the time to take action. And so I saw it from the beginning when the press current president always attacks the media. That is a sure sign that this is definitely something we should be worried about. And yeah, as you went through all the other countries, I, in my mind I was saying unfortunately, we're shooting media, we're targeting media. We're doing similar things here. And everyone should stand up for the First Amendment. I mean, it's one of the most important pillars of human rights. You sound just like Timothy Snyder, who wrote on charity, I'm sure you're familiar with that book. You sound just like him, Joshua. So what do you take out of that book that we should all be listening to and acting on? Well, I think the good news is when you also do global human rights work, such as I'm helping a woman whose husband was disappeared, we just celebrated and forced disappearance day in Laos. It's around the world, it's world enforced disappearance day. It's to make sure that they know they're not alone. And so that's one aspect. And just to make sure that all she wants is for her to know what happened to her husband. Another case I'm working on in Laos as well is an older one where it's this amazing woman who's moved to our country. She just wants to have the bones of her father back who was a democracy advocate caring for the people of Laos in the 70s. And she can't even get the bones back. So the point is, we have definitely let our muscles sort of go a little flabby and we have not exercised what we know as civil and political rights. This is the ultimate workout right now with this current administration. And if you haven't worked out, it's time to stretch. It's trying to get flexible and nimble and be ready for the next three months, because this is time for us to realize we do have a challenge. It's about, you see it at every level saying the votes are rigged. All these different things we've had contested elections before, but you never can't it saying that before the election so we don't wait till it's too late, we need to really exercise our rights to vote we need to write more letters to the editor we need to talk to our friends. There was a huge statistic on climate change that just came out. And it said, people never even heard about climate change from their friends so it might not be what we talk about enough where you know, but this is the time when we're in lockdown to actually talk about liberty talk about liberation, talk about things of a little bit more meaning. And we have the time that we can do that now. Okay, now, so there's a million questions I have we could go on a long time and you and I are in the same thought pattern here. Demonstrations, that's really front and center these days demonstrations is the first amendment experience for sure this country has enjoyed the first amendment and demonstrations for a long time. And arguably on certain issues that has got us somewhere it has improved the public conversation and it has improved the connection with the government and maybe maybe influence government action. But where are we now with demonstrations. Where are we now with civil rights human rights and demonstrations. It really troubles me what are your thoughts. I'm alarmed because normally from the top down we talk about rule of law no matter who's in, and you might disagree with what people are doing or how we're doing it but you don't organize actively to keep the fire burning in fact you don't put more gasoline on it. And when you see the action today of wanting to go to Kenosha when everyone in Kenosha says don't come. That just shows it's always about that person and that's what we have to cut through we have to realize first and foremost everybody has the right to peacefully protest and assemble. We've seen the president come out and try to quash that for a photo op the Episcopal church across that street I've been there many times when in Washington DC. They contacted me after that happened and want me to bring their case to the UN Human Rights Council which you referred to, because they want the world also know what happened how it happened and as first hand witnesses. And you know, it's, it's interesting because you would never encourage people to go out with arms to face off against people and the statements the only ones I can just say today that are just so alarming is when the one person goes there and shoots two people, you say that person was good and going there to protect property. He was in another state he didn't live in protecting property he never knew about before. And it really does point out that the the biggest pandemic we do have is racism. There's a lot of great human rights language. The convention on the elimination of all forms of racial discrimination has a great article five, it has every letter in the alphabet, but that's another show for us. But you know it's getting to that point that we have to really, I don't think we're going to get to the indigenous level of seeing the birds you can hear in the background as our feathery brothers and sisters and seeing the life force in the waves and the air like indigenous do, but we have to recognize we're all human. And that's the other problem. It's a constant dehumanization of the other. And that is what led to all those wars. And the scary part is you see the marchers around the world on fascism, having a lot in common yet. They also go against multilateralism and saying they only care about their people but it's the far right of all groups that are the most detrimental to our society that we have to stand up against. Because most people, if you look at human rights, it's basic, you know, people want, it's not hard to understand human rights. It's easy for you to have human rights for yourself. It's easy for you have human rights for your family. Sometimes you extend it to your community and most of times it stops at the national border, but really around the world we recognize everybody wants to have a to be loved everybody wants to have a family everybody wants their children do better than themselves. And I think a good one was went to Marsalis came out with a new album called the low funky ever funky lowdown and he's like, we got a concert and what's real you know we're just getting distracted. And the people who are saying all the problems don't have the money or the power to be able to create those problems. So we got to keep our eye. What we always did in journalism follow the money and not follow the chaos and this current administration loves chaos because you can't concentrate. They say as much. So I like to talk about boundaries for a minute, you know, human rights is a very broad term. And when you say human rights, I think of I way way the movie human flow. And I think of 70 million people who are behind Bob wire today and have no prospect of getting out. There's sort of a reject of civilization, and they don't have human rights it's tragic beyond description. You know, to me that's core kind of human rights, but then you have civil rights. You have the whole war crimes experience. I guess that's human rights I mean, that's a subset of humanitarian law, but yes. We're talking about decency. I mean I decencies from what you say and crime crime in general of violation of the rights of others it's like some way that must be written down maybe in Eleanor Roosevelt, a list of these rights. Is that in her in her piece in her organization is the simplest way is exactly what you said it's decency. And then it's also a little deeper its dignity of every individual and there is a universal declaration of human rights known as the universal declaration of human rights the UD HR. And that's really the moral architecture for how we should live with one another. And there's 30 articles and the simplest way to break it down as civil political, which we know in this country really well. Freedom to vote freedom of the press right to elect our officials innocent until proven guilty. Those human are those human rights, those are human rights those are civil and political rights in the subfield and then there's economic social and cultural rights, which during Corona. You can definitely see how important they are because the first thing we said was shelter. Well that's right to housing then it's. Wash your hands that's the right to water, then it's in today's world of globalization it's the right to education about healthcare healthcare is absolutely essential, because health is wealth. When you're young you never think of it but as we all get a little bit older we realize we're maybe not as invincible. And if you don't have health you have nothing. There are millions of people in this country who don't have health care, and it breaks them it breaks them as human beings is really awful. Let me let me let me ask you a hard question. You know, one of the great great violations the most horrendous violation in humanity of human rights was was the shore. The Holocaust, and you know in the Holocaust, certainly we saw that the never again emerge out of that. They say well the US established a liberal world order and, and raised the flag on that sort of thing for how many years 75 years after the war, although Trump is doing as much as he can to undermine that now. Now there's a movie that was I saw this on, I want to say Amazon about the ACLU and I do want to ask you about the ACLU. And it was interestingly, you know it was interesting enough that they were funded they had offices they had a lot of lawyers they, they, they file a lot of lawsuits. And then they got this guy was an executive in the ACLU and he's defending Skokie number Skokie, and, and they still defend Skokie they haven't changed their, their position on that they will defend the rights of Nazis and skinheads and, along those lines the Charlottesville other, you know, as protected under. And of course when they do that people like me say, what, you know, my God, what are they telling us they want me to send the money so they can allocate some part of that to defend defending people who were Nazi armbands. Now, you know their boundaries, and I just want to know your thoughts about that. The ACLU has managed to distance itself from a lot of people I know, and I don't know why they can't get straight. It shows like a flaw in the society around, ostensibly protecting human rights but actually protecting people who would like to bring human rights down. Yeah, well, I'd say one thing I, I'm fortunate to work with people such as Jamil Dock war who's ACLU human rights director, firsthand to meet with him. And I would say someone that's definitely dedicated to human rights for all. So I mean by working experiences I could say they're consistent in working at that aspect. One thing I would say on that element of free speech. It's, there's two different sides because we're, you know, we see free speech today and fanning the flames. It's an incitement to hatred and violence. And you have free speech, but it's to a certain point till it impacts other people's lives. And it's also how we deal with one another and how we say things. So what's important with free speech, and I know the reasoning behind the ACLU and some of the actions is, if we suppressed it, it would be hidden and it would just be lurking, and it would still exist and there'd be harmful things happening and this is like let's get it on the open so we can see what people really think, and shut it down because we think it's disgusting we go against it. What we see now is people actually saying find people. There's even more alarming because it's not fine people. It is racist, it is vile, and that hatred is what creates world wars and if we don't handle it now. It will then really burn up the entire planet and we've got to understand that. And you can't allow people to be humanized. And I think when you saw Black Lives Matter and you saw what happened to George Floyd people came out to march because they said that just shouldn't happen. They're busy making money and doing all the things we do and that was the time everybody was at home and said, oh my goodness. Like that's horrible. And you had 10,000 people in Hawaii go and march in the middle of the COVID crisis, most with masks. And it was that time where I would say people have stood up throughout time in fact that's the promise of America we've never quite ever gotten to that point. And what human rights are as well. It's the baseline that we cannot allow anyone's life to fall below, but it's also horizon we have to keep aspiring to get to that keeps improving life for everyone. And so what I think we do with free speeches. We engage in debates we discuss with people we don't agree with, but we never lose the civility, and we also have to make sure that we don't violate rights by engaging in the debate and there's no way that what this current administration is doing is on the right path. But on the other hand, it's out there they're talking we have that. One thing I think it's hard for media, and hard for even activists with this administration.  I really have a conversation that way so that's a new challenge because every president always fibs a little because they want to look better than their latest poll number and they usually have good self deprecating humor about it. But this one is is rancid, and it's wrong. And we've got to call it out. And I'm really sad that I used to know when there was a Republican Party who stood for certain things. I can't believe it's folded and forgotten all of its other aspects of fighting communism and, you know, now seeing a president who stands more in line with China Russia. We did something recently and it'll be the last point because I know we're running out of time is Russia always talks about family values. When they try to weaken human rights against LGBTQIA China talks about rice not rights. And in the United States under Pompeo he tried to create a new commission on inalienable rights. You know so it's, it's, we're now in the party of the global countries who are trying to weaken universal standards. And I think most Americans don't know about if they would they'd stand up and do something about it. And that's why we're talking today but commission on inalienable rights is just one example of our administration going down the wrong path. Oh, we have a question let me take a moment and ask the question he was. Trump commented yesterday that he approves of Trump supporters shooting paintballs and protesters and I guess that includes pepper spray to because that's what they were doing from the trucks. Do you think Trump supporters have less compassion than others. A lot of time with human rights work we don't talk about the words we talk about the actions. And so if you see, especially unfortunately the RNC last week. There was half of these family members which just screams of nepotism which is something we should be concerned about we normally maybe have dynasties of certain names but never so much nepotism, especially when they're accusing the other party of that at the same time there's four names with Trump underneath it, but it's the actions you know you you say people are monsters you say they're not human you put them in cages, and then you want to do a naturalization ceremony so you know there's no compassion in any of the actions. It's just unfortunately election time. So I don't even know why you'd even do those things you know so it's, there's, I would love. I think everyone's human I'm not sure from the top down the leadership and how they treat others that there's definitely that's one little characteristic that's last lacking I wouldn't say their compassion champions. Joshua Cooper dedicated to human rights to teaching human rights to acting on behalf of all of us to achieve better more human rights on this planet. Thank you so much for coming down Joshua and I know we'll do this again and next time you can tell us how you really feel. Mahalo. Thank you.


Hi, my name is Don Walter. I'm the PI on the Catalyst Project, Transforming the Chemistry and Physics Programs at South Carolina State universities. My colleagues are all members of the faculty, either in chemistry or physics. The motivation for our project was the recent decline in enrollment in the two programs, and we intend to reverse that through a number of activities, including shifting to video development and cyber learning and recruitment and retention, focusing on the high schools in our local school district. Year one was beset with cyber ransomware attack on campus, excuse me, and supply chain delays, resulting in smaller than expected number of videos being recorded and posted to the physics website that you see through that link. However, goal two was implemented very successfully, bringing teachers, student pairs to campus for research during the summer, and then those groups have come back to visit our campus during the school year with our faculty going out to visit several of the high schools. The recruitment impacts are going to be felt by going through the high school teachers in physics and chemistry. They have a major impact on student school choice, and our plan is called for engaging those teachers throughout the project. With regard to retention, we're going to engage our majors in the creation of the videos and use them as facilitators for visiting high school students, which we've already started doing quite successfully. The future holds for us increased video production, bringing up the chemistry YouTube video to match the physics video YouTube. And most importantly, to promote the use of the online videos across the high schools in South Carolina and in our part of the country, the Southeast.


This is TFNN, The Tiger, Financial News Network, TFNN, headline, news update, here's Tom O'Brien. Welcome folks. We had the Dow Industrial finish down 132, Nasdaq up 16, S&Ps off 2.5, Gold contract, Gold contract flat out here at $12.79, Silver also flat $14.90, LightSuite crewed $65.00 That was down a buck, plenty of crewed out here, but bottom line that market likes to stay at this $65.00 level. Notes and bonds, you had both of them trade down four ticks. We have the 10-year right now trading at $123.12, 30-year at $140.00, $140.00. If we get over and we take a look at this 10-year, what you're going to see folks, this thing went topside yesterday, pulls back slightly today, this one's higher price. It looks to me like the retracement that we had started beginning of April is over. That's beginning of April, we were at $124.30, almost $125.00 inside the bond market. What we did there is that we got all the way down last week into the $122.20 bottom line, you take off topside yesterday, you have volume on the move on topside, you're in the higher range, 10-year notes right now trading at $2.532.00, 30-year bond, same type of setup, both of them are on higher price. King Dollar also wants higher price. This is going to be pretty wild watching a King Dollar in the next few days. Why? Because what you had out here is a major break topside of a consolidation since last October. The way this is basically set up, the longer you stay over $97.00, $705.00 inside that continuous contract, the higher the probability is that this King Dollar wants to run all the way up to the $103.00 mark, which was the high of January of 2017. Now, if that's what you get, it's going to be intriguing watching commodities in general, because what you definitely have out here, most times that when you see the dollar run higher, you'd see commodities run lower. Bottom line, that has not happened in this particular case. And that is an anomaly in the marketplace. There's no two ways about that. Amazon, Amazon bottom line just come out with numbers. Amazon closed out here at 1902. Amazon is trading right now at 1961. You're going to get Intel as well as Starbucks. We have a slew of numbers coming out right after closed via folks. Stay right there. Come right back.