Good evening and welcome to Episode 353 of the Private Property Podcast. I'm your host, Usama Ndumuakumalo. As the Friday edition of the Private Property Podcast, we join us for the first time. Welcome to the family you're tuned in to the early daily property talk show in South Africa, catering to your property needs. To all our regular viewers on Facebook, on Instagram, as well as on YouTube, welcome back. You know how we do it every single weekday. You and I have an appointment. We're always tackling a property issue and always having somebody who's a property expert who helps us make better property decisions. And I think if anything today is a Friday, it's been raining in Jobork. We finally have the first summer rains and of course, a lot of our robots in Jobork are also unfortunately not working. It's actually talking to my guests and the team behind the scenes that look, it's we're not there. We're not there. But we're here a few minutes later than we typically are. And then one of the great things, of course, that you can look forward to as it is Friday and you're getting ready for the weekend. Also, the other great shows that you're able to catch across private properties and social media platforms. As it is a Friday, you can catch the home shopper show with Chad that comes to your screens every single Monday and Friday at 8pm. And on Tuesdays and Thursdays, somebody brings you the forming podcast and they're not running a grade series, a gardening series, that you can look forward to very regularly. And I think that's one of the things that so many of us would probably want to help with, especially now that the rains are here. And you probably want to spend a bit of time in your garden. And on Wednesdays, Esti Klassen brings you the first time home by a show. But she's always in conversation with people who have gone and grown their property portfolios from strength to strength. And of course, we are running a great competition here on Private Property where we get to give away 500 rounds in cash every single evening. And all you have to do is turn a chance of walking away with that is comment on the pinned post on our Facebook page. And you also have to watch us live. That's really the only catch with how to claim the money. You have to watch all your name. Then you need to drop us a message to claim the prize. That's that easy. And if we don't have somebody who claims it, the money goes into the money bag and the following day, it just keeps growing.   I know some people saying that, look, the money that we got on Friday or rather than the money we got last week, say, pay Lee, it's almost like really was the September salaries, of course, to last us up to this point. So if you want to make sure you win that money, make sure that you stay tuned and should we call your name, drop us a message. This evening, we're talking about something that I absolutely love. I was even saying to my guests, we're looking at second legal disputes between landlords and tenants. And I think this is one of those things. I'm a landlord. I've been a tenant. And one of the things about sometimes being a landlord is you might be a landlord and also a tenant. And sometimes you might be a residential tenant or a commercial tenant. So really, a lot of us always need to find ways of understanding some of these disputes and how to settle them. And today, we're going to be looking beyond even settling them. We're also just getting a sense, what are some of the typical disputes that we generally get and how do we sort of go about rectifying them? And also, how do we make sure we prevent some of these disputes? We tend to find that more often than not, these things are avoidable. And to help us get a better sense of how we can go about doing that this evening, I'm joined by Leah Harder, who's a director at Harder Incorporated. Leah, good evening. And thank you so much for coming back on the show this evening. Azama, thank you so much for having me. It's only a pleasure. I think, Leah, before we even look at the settling part, right, I think that's sort of the second aspect. What would you say are some of the typical disputes that landlords and tenants would have? Because I think it's great to just first get a sense of what kind of disputes are we actually talking about? Azama, there's so many, but I think the basic ones I can think of at the top of my head are utility disputes, overcharging for water, electricity, or anything else. The disputes are with maintenance. For example, tenants said they've got a big issue with the maintenance matinee. You know, it could be a light bulb. It could be that simple, or it could be something as major as a Giza. And there's disputes as to who's responsible. And just there's a number of disputes that are practically faced by landlords and tenants day-to-day in their relationship. When you started with the utility line, part of me was internally screaming, because I think it is, unfortunately, one of those things, when I think about how rates went up, utility bills kind of went up, I think it was two, three months ago. And it's a shock, right? It's a shock to tenants. And even as a landlord, because you live somewhere. So even if you're living in a property that you own, you've also seen your own utility bill go up. And sometimes you think, well, maybe I'm being mischarged for it. And I know that tenants would be like, there's no way that this is actually my charge. And that's how some of these things often start. Before we look at the settling part, how can we go about almost trying to avoid some of these disputes? Because I think I can already think at the top of my head, a lot of them who stem from, and I nearly said on OTP, but stem from a lease agreement and some of the terms in the lease agreement, whether the one party didn't read it, and often sometimes the landlord. I mean, the tenant. Before we look at how we should go about settling it, how do we avoid some of these matters? Because we already know not a lot of us, both landlords and tenants alike, can actually afford a legal dispute and having to get attorneys in. So what are some of the ways that we can use to, at the very least, avoid having to get to a legal dispute? Okay, so for me, it's quite simple. First and foremost, it's having a clear and concise lease agreement signed by the parties. Now, there's going to be some amendments to the Rental Housing Act soon, which we'll make hopefully soon. It's been a while now, but we should make a legal requirement to have a lease agreement reduced to writing. I think that's critical. I think that's good form anyway and good practice to have that done anyway. But the major reason for that, for me, it comes down to intangibles, which is understanding of your responsibilities from both sides. So the clear and concise lease agreement, and for example, it says, although it doesn't usually, but the Giza is the tenant's responsibility. It's not usually the case, but let's say that this particular deal, that's what the lease says. It's very easy for landlord to refer back to that and say, listen, tenant, I understand your issue, the Giza's burst, but look in the lease clause 3.1.2 says that it's the tenant's responsibility to maintain and replace the Giza. It's a ridiculous example, of course, because the Giza is usually done by the landlord, but you get the gist of it. If it's reduced to writing and signed by the parties, you can pretty much agree anything you want. So that's number one, clear and concise lease agreement, signed by the parties, and you can always refer back to it. The second thing, it's hugely important transparency in the relationship and the communication. So for argument's sake, when a tenant asks you or has an issue with a utility dispute, as you said now, utility charge, the first thing you need to do is communicate the landlord that's charging you. That's the municipality that's charging the landlord. You just pass it on. In fact, it's actually unlawful to make a profit on electricity and utilities in any event. So all I'm saying is that shows great transparency. If you can attach a great communication, if you can attach the invoice for argument's sake for any municipality, and that's one of the key things is transparency and communication, because it leads to a diminishing of the distrust element in the relationship. So those are my top concerns, lease agreements, and transparency and communication. And yeah, I think one of the things that we do underestimate when we are tenants, I'll wear the tenant hat for a little bit, is we generally just have that sentiment that landlords are just out to make money, make my life difficult, and overcharge me for searching things. And so even though we know that rent is the amount, so the fixed costs are this amount, the unfortunate thing with utility charges, especially when they're not prepaid, is that they do fluctuate. And more often than not, when you do see that increase, your needed assumption is, oh, they're trying to make a quick buck out of me. And sometimes it kind of starts there, where you have that perception, and I know we tend to have it. It's not just a South African thing, almost over a lot of us just seem to feel landlords are just out there for blood. But when you see the figures, as you say, when you actually say, oh snap, this is actually coming from COJ, or whoever, let's say if it's from the complex, this is the amount that's coming through. I think even you as a tenant realize that, okay, this is not my landlord trying to be malicious, or make a bit of money from me. And it's such an important thing for us to be able to do, because unfortunately we're not used to having those kinds of relationships with our landlords. It's usually just that love-hate relationship. It's almost like the relationship with the text man. But you know, I just kind of have to do this thing, but you don't need to kind of be friendly with them. So I really like that transparency becomes a good thing. And I hope the landlords are listening, because sometimes it even goes to, when you start the relationship with your tenant, start it on that front. So don't even wait for the part where they end up complaining, because one of the realities is more often than not, during, you know, when we approach the winter season, that's when some of these bills also tend to go up. So when you've been sending that from the get-goal, they know that if winter comes, and suddenly the electrical bill goes to 2,000 rounds, you're not suddenly being transparent, because you're kind of saving face, but you've been doing it from the get-goal. And I want to find out from you at home, whether you're a landlord or a tenant, have you had certain disputes, whether they ended up being legal disputes, or you are able to resolve them before getting attorneys in the mix? How did that go about? And I really want to hear from both landlords and tenants, some of the issues that you may have had with your tenant or your landlord, and the different ways that you went about resolving those issues. Do share with us down below, whether you're watching us on Facebook, Instagram, or of course, about settling these matters. Let's go for a quick break and see who that potential lucky winner is. And that lucky winner this evening is Utsepo Steven Magubo. Tsepo Steven Magubo. Hope you're watching. 2,000 Rounds is up for grabs right here on the Private Property Podcast of myself, Osamandouma Kumalo. This evening, as we look at settling legal disputes between landlords and tenants, you have until the end of the show, it's up for you to grab that 2,000 Rounds that is in the money bag. And of course, I'm in conversation with Liyad Haader, who's the director at Haader Incorporated. Now, Liyad, in the unfortunate event where whether you're a tenant or a landlord and you do find yourself in a matter where you're now having a legal dispute with your tenant or your landlord, what are some active steps should you be taking? Because I think the reality is more often than not the one party, typically the landlord is the one who would probably know to go to an attorney first as opposed to it being really the tenant who does that first and would know to the itself, whether it's a letter of demand or whatever kind of legal document that gets served. What are some of the dos and don'ts, especially in the early stages of a legal dispute between a landlord and a tenant? Okay, Osamandouma, so now I can speak quite openly about the fact that I represent pretty much 95% of our clients are landlords. So I'm very centric. I'm going to give you a bit more information about that. We litigators, right? Litigators like to litigate. That said, I didn't call three different types of law firm. We looked to settle as a full of first call because we feel that there's much more value in that not only for our clients, but the fact for the tenant as well and the entire relationship is an element of fairness and justice in it. So I've got many thoughts on it. You'll never, I think, regularly or often here from a litigator who's dissuading you from litigating and going against the business model, right? It's quite silly. But I think I said this last time I was on, but I really genuinely mean it. I think there's so much more value to our clients as landlords and settling the matter amicably. Now, here's the main reason for it. And I just was reading a Harvard Business Review at the article earlier today. In America, legal disputes and litigation cost $20 billion to the major corporations. $20 billion a year to major corporations only. It's not the whole country. And the reality is what this report is talking about in the Harvard Business Review is it's not just the money that you're spending on litigation, but it's having key personnel also being kept busy in litigation going to what they call their depositions and what we would call in court here, I guess, court hearings and everything else. And consultations and whatever. So you're not only losing financially on legal fees, you're losing a lot of time. And angst is added to the equation. Now, translate that now from a corporate to an individual landlord. It's amplified by that much more. You're an individual landlord with one property, right? And you've got a tenant in place. Not only are you incurring legal fees, you're already anxious and feeling upset about the tenant and the situation. So your blood pressures through the roof, your health is being affected probably. But you're also spending a lot of time on it.  You can't let go of the matter. It takes over your entire day. It takes over every thought you've got and you just feel this anger all the time. And I'm saying, trust me as a litigator, do not litigate. I mean, it's crazy. You can use that as a headline, I guess. As I say, business planners will say to me, what kind of businessmen are you? But I'm telling you now, it's a good thing to do. So after a long period of summary on it, I must tell you a personal example. And it literally happened to me in the last week. I've got a, actually a tenant came to me for one of the 5% that happens. It came to me. They've got a company in a commercial office. It's a commercial slash industrial. So they've got an office and a warehouse in there. And they came to me about four months ago with an issue with the landlord. And the landlord happened to know and I thought they'd be reasonable. So I said, guys, you know what? Let's sit around the table and let's not litigate. You're in the cusp of litigation here over a million rent. There was the arrears that accrued after lockdown and everything else. I'm not going to mention clients' names, of course, for confidential purposes. But the one company is in the alcohol industry and the other one's the landlord. And obviously they're heavily affected by the restrictions and the bans being an alcohol industry. So I went to the landlord with them and I said, okay, guys, instead of litigating because you guys had each other's throats, it was quite a buildup of animosity. I said, let's try settle this matter. I know both of you and I think we can settle it. I think they both looked at me quite strangely and saying, you know, why are you considering this approach? And I just said, I can guarantee you long term if we can resolve this matter and you sign your new lease for five years, which is their intention, and avoid litigation, you'll both be happier for it. So fortunately, they both gave me a chance and they listened to me and we mediated of sorts. It was informal mediation where I listened to both sides, I listened to the tenant, I listened to the landlord separately, and then I tried to come up with solutions. And we had a few back and forths. In fact, it took four months. And I can tell you as of last week, sorry, this week, we signed the lease and everyone is as happy as they can be in the circumstances. And when I told you we were on the cusp of some serious litigation, I'm not joking. We were about, or we were, I wasn't going to ever get involved in litigation side of things, but we were about, they were about to go at each other. It would have cost them both hundreds of thousand rounds in litigation fees. It would have not helped either of them to concentrate on their core businesses. The landlord to have a tenant in place and collect rental, and the tenant to operate and try run a business at a profit. So it's testament to the real power of settling matters. And that's why I said in my topic, is settling is a sign of strength. It's not a sign of weakness or people think it is generally speaking. So that's my story on why settling is actually a better thing for you. And you know, as we've been saying, it's strange that a litigator would say don't litigate. And I know there was also just something that you said the last time you were here, but I think it actually speaks because some of my best friends are attorneys, and even they typically would say, try to not, you know, litigate. Try to whatever the matter is, don't go to court. We can send letters, send letters, but really the core of it is let's have a sit down. Let's see how we can manage this dispute outside of court, because those things can drag, plus with it being COVID, we'll probably drag even longer. The cost of it is actually so high. And I think when we look at the residential side is both parties usually just cannot afford that, right? Not just the tenant, but even you as a landlord, for the most part, cannot afford to end up in a long legal dispute with your tenant, who by the time you probably even see court is now no longer your tenant. So I think the very first big thing is the aim should not, the aim should be that you're not, it's not, you're not going to litigate. You're not going to get to court. Try to resolve it as early as possible. And so Leah, we're in the event where we now know that we're not going to be litigating. We want to be able to settle and get in the boardroom with both our attorneys. Then what kind of trips will you share with us when we're in that space? Because I think the reality of a lot of those kinds of disputes is one party sometimes may feel very heavily agreed and still want some kind of recourse or remedy. The other party might think, well, I actually didn't do anything. I shouldn't have to be, whether it's paying X amount. So what are some of the dos and don'ts when we then find ourselves in that particular space where we're very clear that we're not going to try and take anything to court?  So both parties from a financial perspective certainly don't have the means to want a drawn out thing. What should we be doing and not doing when we're now looking at resolving and settling that matter in an attorney's boardroom, for instance? Okay, so I'm going to say something as equally controversial as don't litigate, coming from a litigator. But I'm speaking now from 11 years of experience in residential evictions. I'm talking to the landlord right now. And a residential eviction is a very costly process. You're looking at $18,000 rent in legal fees plus sheriff's cost and a few months of not collecting rent.  Don't expect the tenant to continue paying once you've decided to try and take them. So again, it's going to be controversial, but this is a very practical tip I've got for any landlord. Offer the tenant money to pay a deposit elsewhere. And I'll tell you why I say that. And it goes against my grain and it also goes against the justice in this world. Someone that really owes you a month or two worth of rental and you're saying, here's money for you to go away, but just hear me out for a second. If you don't do that and you go to war, the reality is you're going to be incurring those legal fees I just spoke about. You'll be then having a matter heard within the next three, four months until you get the eviction order, let's say with the person actually evicted, two, three, four months, and you won't get rental for that time. That's going to cost you much, much more than offering someone seven and a half thousand and let's say that's their rental and say, here's the money, go and pay a deposit somewhere else and please get out of here by the end of the month. It's a bitter pill to swallow, but trust me, trust me again from experience only and from seeing the pain and not wanting to see the pain. It's going legal and having the legal fees rack up and the time that it takes to evict someone, two, three, four months, it's much more painful than that initial horrible sting of paying someone seven and a half thousand rent to leave if that's their monthly rental. Trust me, you'll get them out if they agree to the deal, obviously, you'll get them out quicker and cheaper. Again, those against business model of a law firm, but take this as your free advice for the year and if you can, or matters like this, please do. The only time you should go and litigate a tenant is really being unreasonable. If you as a landlord are being very reasonable and a tenant's being very unreasonable, to the extent that they won't even take money to leave, then you have to litigate and the gloves are off and you're welcome to come to us and the claws will be out and every other sort of phrase I can use will use against these guys. But try to be practical and try to get the quickest possible solution for your own sake.  Just get the result as soon as you can. That's one practical tip that I can give you and that's probably my number one tip for eviction issues between clients because it also gives the tenant the out. You say, tenant, you're unhappy, I'm unhappy. He has money to go somewhere else as a tenant. You're not happy here, go there and I'm going to help you on your way. I promise you that if you do that, hopefully one day if you're a landlord listening to this and you've had the troubles of evictions before and you know it's costly, you know it's time consuming, you'll hopefully thank me when you've successfully done this kind of settlement in a matter and realize that you've got your property back earlier and you can start renting out to a more suitable tenant for your sake. One of the things I appreciate about you is you're a typical attorney who's, I'll say out for, let's see how many clients we can get in as much as possible because you also understand the fundamental big picture. I think when we look at tenants in certain matters, certain matters really don't need to even get an attorney involved, right? Yes, there are certain instances where we absolutely have to especially, as you're saying, when you're dealing with unreasonable tenants but others, and I've never fully and completely in areas and so giving them that kind of out certainly does help substantially because they're thinking, how am I going to then find another place where I'll probably need to pay that seven and a half thousand as a deposit and their first rental upfront and probably be somebody else's problem. I'd rather just stay here and I know that the landlord can't suddenly block my services or whatever the case is. In the event where you then are dealing with an unreasonable tenant and you have to litigate and this is particularly for landlords, what are some of the things that you should not do in that process? And already I hinted on some of the stuff that some landlords unfortunately do where they think I'll block your, I'll switch off water and electricity or whatever the case is but once you now know, you're going to an attorney, you're going full on litigation, what are the dos and don'ts when you're now in that process and your attorneys are now handling the matter? Okay, so Zama, once you go legal then what I would say is take a step back, trust the professional you've gone to, especially if you've gone to a property law spec and hopefully you have because it's a big mistake in my mind if you don't. So once you've gone, trust the professionals. It's like you were the doctor who's performing heart surgery on you. It's not as drastic but it's like your equivalent of your investment laugh line, you know, you need to step back and let the professional take care of it. It's easiest and then done but try relax and try understand that it's now under control and it's going to be handled. Don't do anything unlawful or anything silly. You know, I've got a phone call as you would imagine as a landlord attorney the other day and the landlord's representatives have said, okay, can we lock out now? And I said, absolutely not. I said, but they said to me, will it hurt our case?  So when we bring the eviction application or the rental collection, it will not hurt our case theoretically but what it will do is make you act unlawfully which means that the tenant, and this is advanced for tenants because I'm actually absolutely pro tenants not being locked out unlawfully, you can go to court and get a spoliation order against the landlord. Now landlords are starting to be very concerned about this because not only can you get a cost order against you in a court application which could be substantial and cost you a lot of money but also it's actually a criminal act in terms of the Rental Housing Act. So you're just going to be careful. I mean, I don't know anyone first and who's ever been prosecuted criminally for breaching the Rental Housing Act but it's a concern. You don't want to be the first bar or girl that gets prosecuted criminally in that regard. So just be a bit wary of that. Actually very wary, not a bit wary. So let's go, let a professional handle it. Do not do anything unlawful. And if you can, this is a do right now, try to be reasonable with your tenants and try to communicate with them still and say it's gone to my attorneys. I don't want to have the anxiety, I don't want to have the emotional approach to it because it's with them now but if we are able to settle this thing amicably, maybe I can write off some of your ears and I can let you off the hook for some of it, please would you commit to leaving by a certain date. That's something the attorney can then pick up on and reduce to writing and have signed by the parties by way of a settlement agreement. So I'm not encouraging you to go chase the tenant after you've gone legal but sometimes that the fact that it's gone legal is that extra push for the tenant to take you more seriously as a landlord and now then capitalise on that and say okay there isn't an attorney on board but you can still settle the math amicably directly with the tenant if you want to and the attorney will confirm that in writing to be made a settlement agreement. And getting some of the comments and how long sometimes the justice system will be resolving certain things the court retakes you would know that you probably don't want to find yourself in that space so you really do want to make sure that you settle outside of court as much as possible and I think the really big thing and I've never heard it anyway with different guests and even different attorneys the option of giving the tenant the rental amount and be like you can go find a place elsewhere that's the tip that I'm certainly going to care with me because we often I think as landlords sometimes think well I've already lost out on two months with the rental why should I have to stay with this person and not understanding the longer term part is that if they then decide to stay four more months and obviously raking up not just the rental so they're living in a place where the utility charge is not prepaid they're also raking that up and potentially even damaging your place because we also know that unfortunately tenants who go into areas due to leave the place in a slightly undesirable way is it not rather financially better for you to give them that amount you know blame it on the game write it off and you know that within a week or two you're able to already put your apartment up or your property up and getting your tenant Neat before I let you go any final tips for our viewers at home when it comes to settling a legal dispute whether you know they're a tenant themselves or if they are a landlord So Zama I just want to touch on what you just said I think you're you seeing a bigger picture and I love that you understanding that it's an infinite game not the finite game where there's no full-time score here you're looking to create an asset that's worth something in your property and you've got to look long term and I just want to touch on that point of paying the controversial point of paying a tenant who's in arrears to leave just do the maths guys I mean it's very simple as a landlord you've got a tenant who already owes you a month or two otherwise you wouldn't be doing any of this right so you're ready in let's assume the rentals five thousand a month you down ten thousand ran plus potential utilities and let's say you go legal and the person digs their heels in and you and even if they don't oppose it they just stay in the premises you're looking at three months worth of non-rental again that's an extra fifteen thousand ran on top of the ten that's twenty five thousand rents then you're looking at legal fees that's rounded up to twenty thousand rents so now you're looking at forty five thousand rents before you potentially have your tenant out compare forty five thousand rents as much as it hurts and the bit to pull the sweater against seven and a half thousand rents paying someone to leave even if you add the current arrears of ten thousand rents at seventeen and a half thousand rent versus forty five thousand rents and you get your premises back almost immediately as you say maybe two weeks you've got to think bigger picture you've got to think that's settling is that ultimately the better results for you pride aside ego aside principles aside for now principles cost money they love to say and it's very very true you can go after them you can sue them you can do anything you want you can get judgment against them there's no guarantee you get your money back and when you evict them there is a guarantee they'll get evicted because i've got a motto at our firm that's a question of when not if we will always evict someone just how long will it take but that time period and that does cost are just not worth it so in closing my final tip about in addition to that tip of paying seven and a half thousand rent whatever their monthly rent is for them to leave is to think strategically about every single matter as a landlord if you want to if you want to save money and time and anxiety settle matters settle them quickly and settle them fairly and to the tenant who are out there trust me you lucky that you're not getting a letter from our firm or summons or eviction order take that money and run trust me it's better for you long term it doesn't affect your credit rating that way you won't have judgments against you you won't have all the anxiety yourself of being sued and have been dragged to court so it's good for everyone so be fair to each other be open minded to settling ego's aside principles gone settle settlement and quick resolution to matters is the big win for everyone Lia I love that you know settle settle quickly and the big one settle fairly and I think one of the big things as a landlord in particular is understanding the fundamental long term view when it comes to real estate it's not just that one tenant or that one property and you know those three months if you've got that asset you know that you might be looking at holding on to it for five, 10, 15, 20 years and so when you take that long term view you know that seven and a half thousand rounds is really a drop in the ocean in the grand scheme of things and I think of anything if you ever find yourself in a legal matter certainly do go to Hada Incorporated because one of the things that you know you're going to be guaranteed is that they're not going to be pushing litigation and as much as it would make business sense for them but what we're looking at how do we resolve this quickly and fairly and as a landlord that would certainly be something that you are looking out for Lia we're going to leave it there this evening thank you so much for joining us on the show it's always such a pleasure to have you Thank you so much I'm looking forward to the next time and that is Lia Hada who's a director at Hada Incorporated wrapping up the Friday edition of the private property podcast with myself Uzaman Dumwak Oomalo and unfortunately what's happened with my Google has not you know dropped us a message down here below meaning Monday the manual is over we're going to tap 2005 and address in the money bag well it is my time to go and of course I'll be back on your screens on Monday evening at 7 p.m. you can look forward to the whole shoppers show with child this evening at 8 and until then hope you're staying home and staying safe


My dad, my dad, what's going on with you? Say, man, it's all good, I woke up this morning, could've went a whole another way A lot of people didn't make it to the seat of that That's so true So check it, man, hey, man, something very special is happening right now in here Something that make me feel real, real, you know, hooked to my culture, hooked to my family, man Check it, man, Ms. Forty is in the building, what's going on? What's good, how you doing? Hey, man, hey, man, you know, hey, hey, man, I seen you, man People be trippin' when I say I seen you, the T I know But I seen you, I seen you, I seen you in you I actually seen you when you was on that little cypher And I didn't know who you was at the time, to be honest with you I just always watch what's going on with the music I've been watching music ever since I was a kid So I always been one that was infactuated with the entertainment being It's actually one of the same, remember I told you that? It's gonna sing one time And you can sing, so I don't know why you never did it No, no, no, no, that wasn't gonna give my money to me fast enough I gotta get that bread, you know what I'm saying? To keep the family fed, you know what I'm saying? So I mean, I get it, but at the end of the day, I think God don't make mistakes That's true See, if it was for me, it would already have come to me You know what I'm saying? But what was for me, you know, the things that I needed to have, it came to me God was good God made sure that I got everything that I was entitled to But hey, man, so being from Marshall, man, and being in the industry for entertainment How hard is it to get seen? It's hard, like, um, when I do I ain't gonna lie, like, every weekend before the COVID started I had the club jumping, like, it was this club called Club Imperium And I'm on the fly every weekend, every weekend is going down, you know I perform a song or two just to give them a little sample If they fool with me, they're gonna come out and rock with me, you know But it's really hard to be seen, like, I do shows in Shreveport, Louisiana But when I was up here in Dallas, I was doing shows a lot And that's what a lot of most of the main artists, you know And I hosted some shows up here, so What's that mean, artists? Like, drop a few names Tell us who you did some work with Like, I work with DJ Michael Watts Shout out Michael Watts, what's up, baby? On the Krim Dele Krim, part one, um, mixtape I think when nobody is shopping screwed by the one and only Really? Michael Watts? Yes, yes He went in on it? Yes He always do? Yes, and we had a live showcase where, you know, and he shouted me out He gave me his personal email, so, you know, we kind of That's a good thing, you know, it's good to link with Texas, right? I work with Lil Flip Yeah, yeah, yeah, shout out Lil Flip I did the reincarnation tour for PMC's family Okay When I say his family, I mean his, his, his children, his, his dad, his, his I want to say his baby mom, like, you know, family who was trying to keep his name alive So they wanted to do a tour, but it was also sponsored and, you know, Promoted by some actual promoters that hit me up and asked me to do it How was that experience? Oh, it was wonderful, like, to, I don't know, I must feel like it was family When I met them, because they were all there That's what's up Like, especially the dad, it was crazy So how did you, how did you start in the music? What made you get into music? What made you feel like I can rap, I can do music, I'm an entertainer What was that all about? How did you figure that out?  Well, um, my, my dad and my uncle Oh, your daddy think you can rap? I've never seen that nigga rap Oh, shout out to Smith, no Okay You know what I'm saying Yeah, yeah I got And when I said, we've been following each other on Facebook for years So if I, the nigga was rapping, I would have seen the nigga rapping I'm saying like, he don't take it seriously Okay, okay On his mix, you know my daddy a hustler Okay When he go sell his mix tapes, he gon' put his little music on there too Yeah, yeah, yeah, yeah, yeah With the mix of the other That's fly? That's fly? I like it So, but like when I say I go in, like me and him, we nothing to like with the rap Like Yeah, no, no, God bless you with a gift He might have just been the one to just pretty much show it to you and introduce you to it And honestly, like when I say he loves music, like I love music, like He got me on so much, like I love H-Town music Already Chopped and screwed music, all of it That's what's up That's what's up, I just, you know I'm coming from home, you know, coming from East Texas And shout out to all them people in East Texas, they've been pushing I mean, you got people like Sergeant Jay and Sergeant B That come from down there Smitty Hawkins, all them different people Like, what's that boy coming tomorrow?  I'm rocking with the nigga You know, I don't really know him Somebody turned me on to him Anything that's happening in East Texas is happening to me You know what I'm saying? So, you know, I really like what's going on with the vibe down there From Tyler all the way back over to Texas Kind of back over to Jacksonville Even Nacka Doachers, all that You know what I'm saying? All the way down to the state line, baby We can get in Luzana too I had that boy, Jeff, pull him on here From TakeOverTV You know what I'm saying?  No, I haven't Oh, that nigga need to give you an interview This is my first podcast That's all right, there, that's all right I'm gonna get at him I'm gonna get at him I'm gonna get at him, I'm gonna highlight him Man, shout out to that boy, Jeff, man And also, no pill talk And I know y'all linked up But at the end of the day, it's a thing where, you know You have to, your confidence Your gift to make room for you You see what I'm saying? It'll open doors for you And so that's important You gotta know that you know that you know Period And that's how it happened I think your skill set from what you sent me to the music I really was into it, you know what I'm saying?  This boss talk 101 I can promise you it's gonna go down I ain't playing no games when it come down to this music I love music and you know how I am about it So what do you think? So where did the name Ms. Forty come from? It actually came from my dad's little brother, my uncle That's who I started recording with Like he was asking how did the music come about I just really, really like music And I used to go with my dad's side of the family And you know, they're exposing me to the music We listening to my daddy I used to go with him when he DJ his events You know, I try to help him out and stuff But then when he would come back up here My uncle's down there So I'm like, mama I want to, I think I want to try to write a song Because it was this song like that was hot And I was really feeling the beat So I wrote a song to it And I told mama like, will you drop me off over on Cal's So I can, you know And it's been history every since Like when he heard the song My uncle was like, I know you're not finished up Already man, shout out to that aunt So he's been in support since then His name is Lionel Willa It's my Annie Pearls baby boy I mean my granny Pearls baby boy Really and I, you know, he was too young for me I had them left, how old is he? He a little old now though Um, I want to, I don't get his 40 Yeah, so he, you know, I left early You know, I was in the street So I know I was, I was moving around You know what I'm saying But definitely shout out to him Thank him for sending you to me You know what I'm saying Yeah And that's the way it's supposed to be One day I hope you get to meet him You know, he don't like being free him Oh man, I write him Give me his address That's what I do That's my ministry I write everybody that been through some Cause I've been through something When you don't, when you don't face life sentence And you don't deal with this thing You really are stumped down Do, do I write him baby? Yes you do He really the one who told me That we were family when the store was in Marshall Cause I was recording with him every day He was like, you know how I cousin He just moved through, we got a store down here We need to go try to meet him Cause you ain't never met him before Yeah, yeah, you know Yeah, I did that in 2012 I did that in 2012 So at the end of the day, you know That's the thing you have to realize is When certain things have their time And they season and they go and they just evolve And so as you evolve You have to evolve with terms of situations and times So you can't get caught up in looking back The Bible say no man look back without running into something So you gotta be careful when you start looking back At different things that used to be So it's okay to look forward Cause you already did that already So now you can make new things happen In people's lives around you And family members and everybody else But you can't be afraid to walk into new territory And deal with new people Cause that's how you grow You gotta evolve by pushing yourself By stretching basically putting yourself in situations Where it makes you uncomfortable And that's how you win If you just stay around people that make 20% less Than you and 20% more than you You'll never have anything So you gotta make sure that you get around people That make way, way more than you How do you do that Elvis?  I love what you're doing You know far as the whole look of everything The thing I can say is more content Like I said offline You know more content More content Because it's content over create That mean it don't matter how Don't get too romantic with it And be trying to set it up to where It's basically what everybody gonna think And all that know work And your work gonna make you better and better As you grow on social media platforms On TikTok On Facebook On Instagram On Likey On what's that other one where they come in And it's a little thing where you have to be invited in What does that miss? I don't remember the name But Mike Jones and all of them were talking about it When they was here But at the end of the day Yeah, you gotta do that You gotta basically get on every social media platform You gotta push yourself It don't matter where you at You just have to work And if you're not working It's gonna show because the masses is working Right So do you write your own music? Oh yes, I write my own music Oh ain't nobody writing for you? No That's real lame, right? So where do you get inspiration for your songs? Honestly, everything Like if I'm upset I write a song From sad I write a song You know The more you matured The older you get You can't just lash out And do what you would do when you were younger You gotta like find some other kind of evidence Another outlet Yeah Well, I can tell you right now You know, hey My girl's coming through freestyling I got two coming tomorrow I got one today Look at her, she looking like At the end of the day That's what we do here You know, farce for the females I make sure that they You know, they get they shine when they're here So I'm gonna come at you, you know And yeah, yeah, it's going down You know what I'm saying?   Yeah, yeah, yeah The battle definitely starts in the mind You know what I'm saying? It started right here Like that's where it starts It's all about what's there That's what makes the difference Flip it and encourage yourself Exactly And so the song That problem I said What made you write that And what made you come up with that whole concept? I kind of wanted to do a club banger I opened What I was supposed to be And opened a note for a little Key Key March 23rd And we did the event But unfortunately You know he didn't show up Okay You know, but shout out to Monique Because she did her thing You know, she tried to bring somebody up For the city Okay You know, but it just Things didn't happen Yeah, I'm trying to think of that girl named Treyby bringing over here to one That'd be trying to come and talk to me About business I don't know her name Her name, Manny Moe? Is that? No, I don't know She be throwing little parties And stuff in the country Used to I do know that Isha Ray? That's her She been over here for years Shout out to Isha Ray Yeah, I had really I got to talk to her a couple of times Man, just look at her Her push for the culture She's some serious Yeah, when I see that I mean, I like it I like the fact that she She pushed for the whole movement For Black's period And shout out to Isha Ray And she been doing that I'm 28 She been doing that since I was like 18, 16 Like for real That's what's up That's what's up So let me ask you this For as it's Sativa What's that? What's up with that song? I mean, you shouted out something About P.M.C. or U.G.K. on that thing So that called my ear real good Yeah, I told you I love Like, that's what I grew up on Yeah, yeah, yeah The thing I say is, man You got to keep making them bangers Like I said, it's supposed to be a whole I supposed to get about 10, 15 songs Every time you doing this And you got to keep working Right And it takes time too, though Did you get the R&B song that I sent you? Probably I listened to all of them the day When I was walking This time, thug love Yeah, I listened to that one too You like that one Yeah, that's mine That's your one you like a lot Is that your favorite out of all of them? One of them One of them Yeah, P.M.C. at mine I ain't gonna tell you Yeah, it's P.M.C.  Why?  Asked some of them questions We asked them deep diggin' down Questions that we asked No, I've been wanting to ask you Cause you mentioned your mom and your dad And, but it didn't seem like they were together Were they together? No No, my mom, she came with you Talkin' up, he'll talk I'm talkin' about when you were younger Oh, no, um, unfortunately they've never So your mom raised you? Yeah Okay, so And my dad, he was in and out when he was in Like, he, I don't know if he liked us And they're not, like, he's not trying to come back To the country No, no, no I mean, I- So he was in Dallas Yeah, he was in Dallas He used to come back and forth, but He just slacked up on it I mean, he had his reasons And I understand, but, you know You still gotta Yeah, it's home, it's home, it's home That's why I so much love to it I gotta, I definitely come home I definitely gotta be there I can't, uh, I can't, uh, not go I have to, I have to go That's what I'm sayin' like But then I don't, I don't, I don't go in there Tryin' to figure it all out again, either It's a different way, I'm evolved now So when I go, I understand that What I'm going for, right? Just don't relax and visit your people Well, I ain't gonna say that I be visitin' my people I ain't gonna lie to you It ain't like that for me I think it's more of me They can meet me where I'm at But just as far as me, that's home And I'm tryin' to relax and I'm tryin' to get peace And so my roots is there So when I come home, I'm not coming home To go and look for nobody and all that If I see you, I'll see you When I'm at home, I'm enjoying myself From being a, I may go look at the Caddo Lake, hell I may go look at the old baseball field Where we used to play baseball and smilflin and load out Yeah, I might do, I might go down to the old home You know how I am to the old home place and look Yeah, I'm old, you know what I'm sayin'? So I don't play around with it Then you ain't got time to waste So when you run around trying to look for people and say Hey, man, listen, I don't do all that I love them If I see you, if you need me, hit me up That's the way I am But I don't try to go back and be that person I used to be Because at the end of the day, you ain't gonna respect me Where I'm at a lot of times Right Does that make sense to you? Yes Because you're gonna try to create that old me And that old me is gone I can't go back You gotta realize that I really do understand you on there Yeah, I can't go back Because I was a high head That's really how I got the name is 40 Like, poppin' out, fighting, like, and then, yeah Like, I'm a rapper better And what I'm rapping about is really what I'm doing I will really hit you So the thing I can say is We gotta, we definitely, we definitely When we go back home and when we deal with home We gotta deal with it where we at now Right We can't deal with it where we used to be And a lot of times people won't let you evolve Because they wanna keep you as the person they used to know you as Right And I used to be in the streets When I was hustling, that's a different me Now I'm hustling a legit way And some people value that They'd be like, man, you remember we used to do this And you remember you used to have all us And I don't be caring about that Nick, I'm giving money now What about this new money? I want to talk about this new money You know what I'm saying? I want to talk about that old money That old money pretty much had a nigga looking crazy At a certain time So, you know, you evolve, man You can't talk to a person that turned the age you are now Like they 15, it ain't gonna work So, you know, you gotta evolve That's all But definitely, he should visit home, I think I got a shout at my hollyard He followed me on Facebook, I know he does Yeah I just, there's so many of mine all the way locked down Hell, I don't know who on there A lot of times You know, it's a lot of smiths It's a lot of smiths But yeah, my dad, mom had nine boys and five girls This is going down Yeah, Uncle Pop, he had a few Not as many as my, my granddaddy was Your granddaddy's oldest brother Sterling That's how that go Papa Sterling Sterling, yeah Besage was his oldest brother They both on the picture in my wall in my house Yeah, it's going down I don't forget my roots You know what I'm saying I just don't play the part Like everybody try to You know, it's a lot of mess to go on in different things When you start getting too involved in it Involved in it So you gotta be careful for how you How you interject yourself in the thing Right That's all But it's cool I mean, I'm gonna hug everybody If you need something, I'm buying dinner What's up?  Six, 27 So tell me your story Like I don't want to base him Cause I love him the pieces But it's still missing me Cause we got so much in common I'm his twin Like my daughter Yeah, like we just For it, I don't understand Why we don't click Cause it should just be that Because your personality's the same Yeah, probably so That's usually people Who personalities are the same Never usually click But you have to still learn To love them through it I still reach out to him every Like every year I reach out to him You know It should be more than every year Just shoot them in the text Not just every year I'm saying like on his birthday On Father's Day Yeah, stuff like that Or even like my son said He missed his papa So I just tried to call him up But you know we didn't get an answer So I can't know Do you know where he live? In Denton Okay, so you have to just pull up I don't know exactly where now Okay I just know Denton But then with You know the reason why I was asking all of this Because other times people talk about Mental health and stuff like that A lot of times when you have Situations that you've been holding on And not express yourself to the person That you know you felt some sort of way About something in the past You can keep carrying that In the future and it can affect your Relationships whether with men With you know people Oh it does, it does So that's the reason why I say You know you definitely need to reach out to him And sit him down And say dad you know I did Did feel even if he doesn't Respond to you in the way you want him to But you got it off your chest Because while he's here Still living I've had so many people who say Well my mama's gone Or my daddy's gone I can't even say that to them anymore I just want to find him You know like His girlfriend won't even tell me where they at It's all good You know I mean that God is the one that pretty much Predic what happens in your life So don't get caught up in it too Try to figure it out too much Whatever's meant to be is going to happen You know what I mean So whatever's meant to be is going to happen So don't ever get too caught up Into you know what I mean Trying to figure it out And the thing I can say is you Definitely sparked a flame in my life As far as when you hit me up You know that's the reason why I got you up here is because I would not miss out on opportunity To be a part of what you do As far as your artistic flow And it got you here Because you really deserve to be in that seat And I really appreciate you I really do Yeah, yeah, yeah You deserve to be in that seat And at the end of the day Ain't nothing wrong with it I mean at the end of the day You got to But you got to You got to harness that energy Right And you got to keep it going Right But like I said You got to work, work, work It's a work thing I've been looking like I just And then I'm going What I do Well, I did the cypher with Sergeant B Yeah, I did the cypher with him But I'm going to actually book the session Because it's really hard to like Find good quality Immortal You know what I mean? Yeah Good quality music or Just stuff this night There's engineers out here too So if there's anything I can do to help Just like I said I know a lot of people So that That ain't, that ain't, that ain't hard to do Right The thing, the thing I can say I definitely don't need some help I definitely going to make sure to help you Let me ask you a question What is your top three Artist of all time dead or alive? Boop, boop Your any genre? Top three artists of all time dead or alive One through three You need one, two, three Ooh Don't we get that a lot? Ooh Ooh You said alive Dead or alive Dead or alive Okay, so Anybody Number one Best you ever heard do it Propane Propane, number one It's propane, I never heard Never heard of propane Who is propane? Y'all ain't never heard of propane I never listened to him Hold on Maybe that's a younger generation Is he a East Texas? He linked, he ain't 8th town He like She said she love 8th town music I think that he is from somewhere in East Texas I don't want to say long of you I'm going to check him out I'm going to check him out I can't get to knowing He up there like was zeroed him Okay, propane He's locked in That's it I like it Propane Propane, mode three Mode three Did you like mode three when he was alive or just when he did? Oh, it's a bunch of them that just liked him when he did He got killed on my son's birthday and I cried That's when you started to like him and listen to him No It's a bunch of common chasers out here listening I wanted to meet him before he passed away Yeah, yeah Check it out So what about The third one Yeah Oh, okay I like my three music too I'm going to try to do a female Mode three was artistic, man Had an artistic flow Number three Um, I'm going to try to do a female You do what you feel What was really Hard Who is it? Yeah, if it's so hard then The end of that ain't it And it shouldn't be hard if it's your top three Um, top three Come on now I'm trying to think of my last one I'm sorry Who is it? Miss Elliot?  What was that middle one? What was it? Mode three Mode three All three from Texas Hey man, it's going down Man, that girl, the Texas girl That's why That's what this platform represents Texas in a major way I mean because we really have a major influence On the music And you know this But people try to avoid it and ignore it Yeah, but I don't play no games with them Oh, I'm the one being here putting it in their face I know already that's what this platform for To let you know, nigga, we got a voice Right You know what I'm saying?  I ain't got nothing else We feel to get to the music You had, you gave me this song And it was cool You know how I say it It was, old girl, I ain't going for cute I said, okay, well, nigga, you better come on with it But it was cool It's UGK I can't deny it So I know that's your thing And I like it But I ain't gonna lie to you I picked another one It kind of goes like the same kind of kind of same But I wanted to do something new So when I, when I picked mine, it was like this Just something a little bit newer Yeah But the same type tempo You know what I'm saying? So Yeah, you know, throw me out of the way I know it You too, know what I'm saying? So, but, but, but But you should be able to write anything Yeah, I don't freestyle that much And that's fine Oh, so it's a freestyle Yeah, I was free-style to the other beat Okay, I'm gonna throw that one back on But I want to, you know, I'd like to hear something on both of them You know what I'm saying? If you got something that's already you've been working on I want to hear you rock with that Okay So we don't do two But I just want to put that on your mind Yeah, you can put that on my mind I definitely wreck that for you Okay, cause at the end of the day That was my first time hearing this So bring it back to me I like that I love it You like that?  Yeah So what's up? So what's next for you though? We're working on a second cipher Okay So what, you second on that one? Are you gonna be third on that one? Are you last on that? We're gonna let Sergeant B do the- Oh, Sergeant B get to organize it this time Say that, Sergeant B He actually chose the order last time Really?  That oneness, that's real No matter, you know, a lot of females hate on each other And for y'all to be able to come together like that And do something for the, for the culture For East Texas, man, that's big So, you know, you just don't see a lot of people doing it And formulating it the way you guys are doing it, man Shout out to Smitty Hawkins Shout out to this girl, Journey I'm looking for her I've been looking for her Like, I really like her You might have to contact Mama Scott No, no, no, I just like her music I feel like she, she seems like she got something You know, all y'all doing your thing So I could go on and on All those girls are doing a good job And seem like you guys are, are not new to the, to the You know, to, to, to entertainment, to music You can tell that you guys been in that studio Y'all been practicing what y'all craft is Right So I like that, man So what makes you different from them other girls? Um I would say just the boys Like, you know, like I'm really not no freestyler Like, you know, but like I'm gonna just have to let you hear some other stuff too No, no, no, no, I definitely love what you're doing Like I said, it ain't no, no I had no, I really haven't just seen a movement Like what's going on down there now So I'm real, real toned in to what you guys are doing And this platform here gonna put our side on that As well as in Dallas too That's why you see a half pint on here Mr. Runny Done Chief And then you see Sergeant B, Sergeant J And you see DJ Juice And you see me tapping in with all those guys Trio talk, no peel talk Cause it's the thing where I'm formulating it Because that's, that's the way I see it I feel like the whole thing need to be brought together A little bit better than what it's been being done Definitely So I'm the only one that kind of do it that way as well Mr. Luchy, shout out to Mr. Luchy He was just here pooky Right All them boys He's got the legends up in his head I have to have every, that's the way you build a foundation You can't build a, the house that's built on the sand It don't last Right You know what I'm saying? You got to build on a good foundation And I believe those guys are patriotic And how could I come and do something like this And not recognize where I'm at and what's going on around me Right You know, love the city man, love East Texas man And just trying to bring together what kind of who I am You know what I'm saying? So that's what it's all about So when you, what a little girl wanted to get in the wrap Trying to figure out which way to go, she's 15 You know, what would you say to her to help her career? Baby, don't let nobody like discourage you Like no matter how many days you want to give up No matter how many arguments and discussions you have With people about your life and about your rap career If they don't believe you do not give up Don't give up Seriously, because I don't have, I don't share this So many tears just from just even arguing with people Because they like, you ain't making no music I mean, you ain't making no money out of it Why, I mean like, because I know my give You know what I mean?  Well, you know, I love what you do I just ask you to keep going If it's anything that I can help you with I'm here, you know what I'm saying? Like I said, for those beats and stuff like that I got a guy redoing some beat Doing a beat for you right now actually He been working with me I told him to make a beat I just liked that Popped my shit And I was like, make me something on that type of tempo But different And he sent me something back But it was too much like it So I sent it back to him So I'm working on that I just, it's off the rip You know, you just do stuff just because it's what you mean I was going to try to surprise you with you a theme song But I couldn't get it from the people Hey, so just keep working on it, send it to me That's what it's all about, you know what I mean? If you do something for the store, for show Or for Unique Hustle and Boss Talk 101 It's going down Because that's what we do We podcasting in here like crazy I think we the hottest thing out three months Look how we rocking Ain't nobody doing it like that Meaning we coming with that pressure People like, please don't put the light on them And we like, no, nigga We hear a scoot over, nigga We hear it with you You know what I'm saying? And they like, damn, I can't stop These niggas know too much And I think it's just because God is the one To organize everything Yeah So when we start talking Can they come easily and naturally to y'all? Oh, yeah, we've been doing this Like, I talk I got kicked out of church for talking When I was four years old, I talk That's what I do, you're not going to talk to me And that's just the way it is And I already know that That's my gift Every nigga they ever met me say that And it's crazy because Tray's so quiet Yeah, yeah, yeah Did he get that from his mama? He don't get that from me You know what I'm saying? I already know that, you know That's where you get that from So I get it My daughter, she My daughter's talking My both of my sons My son, my wife here They don't talk much Yeah But it just means everything The girls, they act like me And that's the way it is I'm cool with it I don't care long they get money They can't stand showing them how to get money So they better go get it But I gave them the blueprint You know what I'm saying?  So, hey man Thank you for coming on the show We got to break it all the way down now You see how smoothly it went into it We love you We wish you much success We noted everything that you do God gonna bless it So we ain't tripping man You know what I'm saying?  Okay So that's how I go down and hear a man Shoot, boss talk 101, ain't playing no games I am working Supposed to be working on an EP With Shane Deakson Okay C.C.O.P.'s manager That's what's up I just Is that a guy? That's the dude you interviewing tomorrow No, I'm talking about the guy that- Yo, Shane Deakson, she's the one man I talked to a guy that was his man He must got a road manager too I should talk to C.C.O.P Probably still because she be on the road with him a lot Yeah, I talked to C.C.O.P. through Instagram We just were going back and forth And a shout out to her too Because she's helping us with this second cycle We put the first one together But she's helping us with this That's hot That's hot, I can't wait to hear it When is it? I'm not sure We're waiting on the last two girls to record their- You already recorded yours? Yeah You went in? Already, man I can't wait to hear it Smash Give me one more- Let me go one more time on this beat, man Can you- Can you give me another- You know, I'm fly Yeah I want- I want something to chew for I'm kind of spoiled Go, baby Can you handle it? Can you handle it?   Have fun with it, man Oh, I know you was gonna- Now, that's what it's all about, man Just having fun with it That's all I just wanted something else to play with So, man, it's going down Thank you for coming on the show, man We love you, Miss Party, man I love y'all, man For show This won't be my last time seeing y'all I just told you you can come back anytime you want to I know But I'm saying we are truly family So I would like to see y'all Without the business sometimes That's what's up, man Check it, man It's a unique hustle, man Boss Talk 101 And we out Out


You know, I'm saying I try to make sure everybody get me motivated to be like You know I'm saying to go do it like this ain't my house, but I gotta go back my two bedroom apartment But it's still motivation for everybody like look one day. This could be one hour You know I'm saying no matter who get it first is his motivation to like look You know we in this bitch for two days This is not my house, this is just a taste of what everybody could have I got to go back to my two bedroom apartment.   You supposed to been doing you know I said like a legal blame Some all his kids read what he doing.  Oh Nick.


This video and the next discuss weight, bias, and discrimination, which may be a sensitive topic for many people. How does this play out in healthcare? Watch to find out more about this important topic. Described as the last acceptable form of bias, weight stigma is the rampant discrimination and stereotyping of overweight individuals. 50 overweight women were asked to keep a diary of all the times they felt they were being stigmatized for their weight. Over a single week, more than a thousand instances were recorded. An overweight woman may expect to be harassed, such as called names or insulted, run into physical barriers, like unable to fit into public seats, or discriminated against, such as perceived poor service at restaurants or stores, on average, about three times a day. Obese men report three times less discrimination than women of the same size, so maybe it's only a daily occurrence for them. They're not just being paranoid. Studies using professional actors presenting as job applicants made up to appear overweight with the Hollywood magic of theatrical prostheses were significantly more likely to be discriminated against than when appearing as their normal weight selves. This employment bias was found to be especially prejudiced against overweight women compared to men. Attitudes can also be explored in surveys. In a comparison of 16 stigmatized social groups, such as homosexuals and homeless people, only drug addicts and smokers were regarded with higher levels of disgust than obese individuals. The researchers did note, however, there was effectively a tie.  This weight stigma starts surprisingly young.  Then there was that famous study published back in 1961. Children in summer camps and schools across a swath of different social, cultural, and ethnic backgrounds in California, Montana, and New York were asked to rank the following images as to who they liked best, including a child in crutches with a brace on their leg, a child in a wheelchair, a child with one of their hands missing, a facially disfigured child, or an obese child. In every population of kids they tested, there was remarkable uniformity. The obese child always came in dead last. That was ages ago, though. But in 2003, researchers published the 40-year follow-up. The study was repeated and the title of the study gives it away, the stigmatization of obese children getting worse. The obese child was liked even less. This parallels trends throughout society with nearly a 70% jump in perceived weight discrimination recorded in national surveys since the mid-90s. Attitudes among teachers may not be helping. More than a quarter of teachers in other school staff surveyed felt that becoming obese is one of the worst things that could happen to a person. Even parents can be biased, providing less support for college for their overweight daughters compared to thinner siblings. As two prominent obesity researchers commented, it is a strong prejudice indeed when parents discriminate against their own children. What about doctors? One representative national survey found that more than half of physicians viewed obese patients as awkward, unattractive, ugly, and non-compliant. About a quarter of nurses agreed, or strongly agreed to the statement, caring for an obese patient usually repulses me. This antagonism can have serious health consequences for those who may need it the most. For example, obese women are at high risk for developing cervical, endometrial, and ovarian cancers, yet they are less likely to be screened. Morbidly obese patients only have about half the odds of getting their recommended pelvic exams. Part of this may be avoidance on the part of the patient, but some doctors just turn obese patients away. The Sun Sentinel pulled OBGYN practices in Florida and found that as many as 1 in 7 refused to see heavier women, for example, setting weight cut-offs for new patients starting at 200 pounds. Even doctors who welcome obese patients have been found to give them short shrift. Physicians randomized receive a medical chart of a migraine patient who is either presented as average weight, overweight, or obese, said that they would give the obese patient about 28% less of their time, and it's less quality time. Recorded doctors' visits found physicians tend to build less emotional rapport with overweight patients. Even obesity specialists profess increasingly explicit anti-fat attitudes.  Even in the medical literature, you'll find lines like this, an example from the Annals of Internal Medicine. Obesity is an aesthetic crime. It is ugly. The good news is they appear to be able to hide their disdain. In a study entitled, Obese Patients Overestimate Physicians' Attitudes of Respect, despite the negative attitudes doctors harbored towards their obese patients, the same patients expressed their satisfaction with their providers. The researchers concluded, while physicians may be successfully playing the part, the lack of true respect suggests the authenticity of the patient-physician relationship should be questioned.


And now you're right where I want you. Come on! No! I'm playing Badgeda. What? You're playing Vegeta in Dragon Ball Fighter's Turbo, the mod that broke the game? Yes! If we're doing it for a third time? Why do you feel like an infomercial whatever you do this for? Oh my bad, I thought I was just trying to be a good YouTuber. Ultra instinct, it's time, bro. Ah! Woo! Is this a new stage? No, it's a mod. A tournament of power stage mod. Ultra instinct. I've got a freaking sound bite for that statement at this point. I'm eating a mango. I'm just enjoying every time I get to see the stage, because now I'm going to simply... Woo! Damn! Oh! Oh! Oh! I was... Ah! I just want to see if this works. No, it does not. Okay. Oh! You know what? I got a little something for you, bro. Damn! Barrel you! Rawl! Ah! I'm just going to scream in your ear. Are you good, man? Get down here, bro! What was that? That was a DP. Don't let me hit you with that. Wait, where are you? Are you good, man? I thought I was so fast. Ah! Oh! That actually looked sick. Even though it wasn't a silhouette, I felt like I was a silhouette right there. I had a year. That was so sick. What is turbo? Stop it! Butt scratch on! Stop it! I'm already gone. You like Goku with built for turbo? And now I'm Theresa. Damn! This might sound cheesy, but call me Garret Theresa. I couldn't cancel that. Okay, I'll stop it. This is actually very oppressive. You got mixed. Very oppressive. Wait, you need to answer when you like fall asleep or whatever? I don't know. This might sound cheesy, but call me Golden Turbo Frieza. Okay, I'll stop it. Death Ball! I got mixed. I can't do anything. I'm just- I just be slicing and dicing out here. Do I ever get out of golden? I'm starting to think maybe I don't. Golden Frieza just never went away. I don't know. Maybe they- Maybe turbo bumped that. Guys. Good Bible, Gepa. Why does that sound like Tommy? I mean, fucking- Oh no. Can't see God in me, bro. Bro, admit it. You just can't keep up with my speed. Oh, I forgot. I honestly haven't seen Super Saiyan Vegeta sticking so long. Please! My screen- The screen is going- The screen is gone. The screen is going on crazy. Good Lord! UI Goku is amazing at turbo. But he'd also place turbo fighters. All right, you still have a very nice square button. Whoa, whoa, man. No, please. Please mercy on my soul. Come here. No. Understandable. Have a nice day.  Stop! No, please. Stop. I can't handle anymore getting punched in the face. Damn, you're just mashing, bro. I was mad. I was mad. Bro, I was getting mixed and you're going to be like, the game's going all weird. All right. I guess I won't be blocking this. Now this could be partaking as cheesy, but call me. Damn it. Rock and roll button. How long do you think we're going to do that, bro? The eye lasers seem to be working out for a second there. All right. Now I'm Android 17. Bro, come here. Okay. What's happening? What's going on? That's not a combat. I can't. All right, bro.  Oh, my. This is my old classic theme, dude. Bro, hit that beat turbo, bro. Yeah, bro. Except for you, I go through, bro. You might go through pretty turbo as well. You just mashing? Yes. Hey, what's up? I'm going to get my wake-up db. I'm going to be done.  Damn. I am cooking. Oh, I didn't. I forgot you could get. I'm cooking right now. I want to save a little bit of that for later. What? You're done for. I just hit him in the back of the spot. You're done for. You don't even start. Come here. Yeah. Yeah.  Give me them likes. I'm taking the low. God, man. I can't play. I can't function. All right. I'm getting mixed because you're dropping.  I was not ready to be brought back to earth so fast, man. Can I please get another go?  Who could truly forget the turban king? Back in the corner, bro. Back in the corner. No. Go to sleep, bro. Overhead. Hitting an overhead. It is no red. I cannot lie. This might sound cheesy, but fine. How did your 5M just like ignored my 5L?  Eye lasers. Eye lasers. Eyelashes. I've put together a new combo. One that all Frieza players will. All right. I forgot go to black doesn't let me play the game. So it's going to be a little. Whoa. Whoa. Nail stop. It didn't work. It didn't work. It's not going to have to go part two. I was I was ready to get jumpscare too. Oh, that's just normal fighters right there, baby. Oh my god.  And I. Just one go to one. Oh my, you better. You better keep jumping. Frieza is going to keep laughing. This might sound cheesy, but call me girl. Go to sleep. It's my fault. My back dashed. Cancel it. And now get away where I want you. Come on. So intimidating. It's even more intimidating than turbo. That was the funniest way to win. I just dashed over your face, stopped and punched here.  But I'm going to let you know. Bro, why is this hitbox dumb? My arms are small. Oh my god. I am not a fan. I am not a fan. Why is he like this? It's fancy. No.   What? Where do I even block? Oh, damn. Oh, damn. Please. Norse Majino's assist. Hide action lines on me. Oh, no. Android 17 took all that. Jumping for your life. It's just fear. The fear is really setting in. It is. Oh, no. Once you might go through dies, I lose all my fun points. Bro, that's just some standard Dragon Ball fighters. This is not. I didn't really let it go. Good lord. I'm not going to tie me. I'm not going to tie me. Get that way. Mercy. Mercy. God, I wish I could have just kept the mid. I could just beat 17s. That just might sound cheesy, but call me buff. Freeza. I used a counter. All right. Now I'm going to Freeza. Giggle at you again. Please don't bro. Please. What? Oh my god. Freeza. I am free. Freeza. Freeza. Well, this is not real. Die. Oh my god. Bon voyage. Bro, one more. They called me. Wrap it up, bro. Gee whiz. Good lord. Look, Freeza character. Freeza be giggling the whole time. Oh no. I'm going to press Super Dash, but I don't have a Super Dash. Yeah, no, that is. It is cooking me. Can't Super Dash do this. Can't continue the combo with that. Elbow drop. Damn. That was a little bit of a combo. Yeah, almost. I almost had you. Damn. Damn. Bro, let me live. What is going on every? Ran into that. Ran into that, too, to be fair. Also had. Understandable. Have a nice day. Now it's time for me to understand. Understandable. Wait, that's actually. If you can't Super Dash. What are you going to do if you can't Super Dash, bitch? I'll just get out of it.  Yeah, I just have the time of my death. Really. Come on, bro. We're zoners here. I just had the time of my death. We're both just zoners out here. Damn it. It was right there.  Oh no.  I just had a time of correctness. That eludes all your life. That's all it really was. That's all it is. Now this might sound cheesy, but could you perhaps call me for the evolution? Oh, sleep warrior. All right. Now my boss character. Oh my god. I didn't believe. Just the constant hits. Damn it. No, drop it. Drop it. Drop it. Do something cool. That wasn't that cool. Drop it. Drop it. Drop it. No. Don't finish it. Now you're going to pay the ultimate price. No. No, please. Ah, wait, wait, relax, relax, relax, relax, relax. You played too much. You truly played too much.  He's just the scariest character in Turbo, bro. Bro, I hate recording these because I always want to record like seven.  This is our third one in one session, everyone at home. But like, I don't want to stop, bro. Goku. Goku just built different. God damn, this is fucking. This is really what it feels like fighting UI Goku. In the anime. Oh my god. This is anime Goku powers.  Well, that's another, that's another turbo video in the books. Hopefully you all enjoyed it. But with that said, we're going to end the video. Like, subscribe, check out the Z-Ring channel. What is cool?


Good morning and welcome to the weekly market update with me, David Madden. Today's date is Monday the 13th of July 2020 and the time has just gone, 11.45 British summer time and it's been a pretty positive start to the European trading session. There was a strong finish in the US on Friday at the back end of last week, a positive move in Asia overnight and now we're seeing decent gains here in European stock markets and we're also seeing a nice move to the upside in metals as well. So traders are clearly in risk on mode. In terms of news, there hasn't been a colossal amount at the back end of last week. We heard from Gilead Sciences, a big pharma company. They have an antiviral drug called Remdesivizer. It's been touted as a while as a potential treatment for COVID-19. On Friday, it was confirmed that a study showed that in relation to COVID-19 patients, it can reduce the fatality rate by 62%. That helped stock markets at the back end of last week and it's still helping stock markets today. Also at the back end of last week, we heard from BioNTech, another big pharma company. They're working alongside Pfizer to hopefully produce a drug that would hopefully go on to be a vaccine for COVID-19 and they're making progress in that and they hope to have it receive approval by Christmas. Obviously, in relation to pharmacy products, it is quite high risk. It's early stages yet, but nonetheless, traders are optimistic. Even though the health crisis is actually deepening sadly, according to the World Health Organization, with another record day of new cases around the globe, this situation isn't getting any better, but nonetheless, it seems to me that traders are focused more on the drug story rather than the actual health crisis itself. Also, if you have continuous days of similar news, rising cases and so on and so forth after a while, sometimes you can pardon the pun and get immune to that. What's also in the news is that there's a bit of weakness in the oil market. There's a report during the rounds stating that Saudi Arabia are looking to move a kind of retreat from the record production cuts that have been in place in relation to oil production. They're looking at kind of tapering back on those and with that we're seeing a bit of weakness in the oil market, nothing colossal, but mind you know, it was only a few weeks ago, we saw oil three month highs. So what I do now, as I always do, is I quickly run through the week ahead and then I go on to cover indices, currencies, currencies and commodities. So the week ahead article can be found on our website, cmcmarkets.com, under insights and news and analysis. So looking ahead to tomorrow, we have trade figures from China and people are going to be watching both the imports and exports component. Where is China on the import side? Are they buying loads because their economy is recovered and are they exporting loads because China is basically the workshop of the world, our Western economies and economies elsewhere buying stuff from China. Tomorrow morning, we also have a GDP reading from the UK. Tomorrow morning, we're going to have first half figures from the Cado. They're going to be in focus. The online grocer has done very well in recent months given the pandemic and also people's wish to order food, order goods online. So it's been a double victory for Cado recently. This week, we're going to have a U.S. reporting season kick off. As of tomorrow, we kick off with the likes of JP Morgan and Wells Fargo and Citigroup. We used to get big U.S. banks coming out this week. Keep an eye out for provisions in relation to bad loans, bad debts. We already saw a huge round of it in the last reporting season and it's highly likely that banks are going to be upping their provisions for bad debts. On Wednesday, we have first quarter figures from Burberry, the fashion house. They've traditionally done well in the Far East in Hong Kong and China. So keep an eye on those regions for that fashion house. Dun Elm have Q4 numbers out coming out on Wednesday. Also Wednesday, we have the latest UK unemployment and earnings figures. China are in focus also given that they have second quarter GDP. Now, this is really going to be closely watched by traders. We also have other aspects of Chinese data, industrial production and retail sales. And then also on Thursday, we have the ECB's rate decision. There's no way to change expected in relation to the rates. But any kind of commentary about altering stimulus packages or any kind of guidance that they might give will be closely watched out for. On Thursday, we also have a second quarter figures from Netflix. Keep in mind that they quite well in the most recent quarter, given that the lockdowns prompted some people to actually binge watch various different TV shows. So that's going to be in focus. And lastly on Friday, we're at the beginning of the EU summit. The European Union is very much divided over how to deal with the rescue fund. There's talk of a 750 billion euro rescue fund for the European Union. But within that, 500 billion is being talked about, has been doled out as grants and the remaining 250 as loans. And there are a certain number of countries dubbed the Frugal Four, including the likes of the Netherlands and Austria, who are opposed to having such high levels of grants as opposed to loans being dished out. So keep an eye out for that. So what I do now, as I always do, start off with the big indices, take a look at some currency pairs, and then finally some commodities. So starting off with the FTSE 100. We can see here on the wider view, it's been a nice upward trend for the last number of months, fair enough. The highs that were achieved in June haven't been retested so far, and we've been trading ever so slightly sideways. Maybe you could even argue to the downside ever so slightly, but the wider trend of the past few months is still in play. And if you can hold above this line here, the fifth and the moving average, and that comes into play, that comes into play in around, let's see the precise metric here now, the fifth and the moving average, that comes into play in 6,121. If you can hold above that, it's likely we could see the wider upward trend continue. And if you do press on higher from here, we could be looking at retesting the highs of early July in around 6,320, thereabouts. And if you go beyond that, we could then be looking heading up towards the highest seen in June, north of 6,500. Now to the downside, if you do break lower from here, and if you take out the most recent lows here, this metric here, in the 6,000, kind of big psychological number here, well it's actually just, the low is just below 6,000, but if you hold at 5,999, if you can, if you break below that, I could point this in direction down towards the mid-June low in around 6,156.  Take a look now at what's going on over in Germany. It's a fairly similar picture. The DAX is in better shape than the FTSE 100. So similar to the FTSE, it's been a nice upward trend for a number of months. It hasn't retested the highs of early June just yet, but it seems to me that it's getting there. The last few sessions it's been taking higher. We're currently trading at 12,767. If you press on higher from here, we could be looking at targeting the June highs in around 12,930, and if you go beyond that, the big psychological number of 13,000 will be the next one to keep an eye forward to the upside. If you do have a pullback, we could find some support from this red line here, the charity moving average in a 12,156. And if you go below that, we could be looking back towards this blue line here, the 50 moving average. It acted nice as a supporter on a few occasions in May. So the metric has been important in the past. It makes it more likely it'll be the important in the future, although there are no guarantees. And that comes into play at 11,872. I'll take a look now at what's going on with the Dow Jones. So the Dow Jones, similar to the FTSE that acts, decent upward trend into June, trading ever so slightly sideways and to be honest, it range bound the last number of weeks. But we are holding above the 50 moving average comfortably and now we're pretty much trading on the 200 moving average, this red line here. And the 200 moving average is pretty much at this level in around 26,265 thereabouts. If we can comfortably get above the 200 moving average and build upon it, we could then be looking at the record in 27,000. And then if you go beyond that, we could be heading up towards the highest of June at 27,633. If we do manage to get a drift lower again, support could come into play from this blue line here, the 50 moving average, just south of 25,400. Once again, we can see that metric acted nice, it's a support in the past. So the possibility it could act as support again in the future. If you do have a break below the 50 moving average, keep an eye out for this line here, the 100 moving average in a 24,367. We saw a bit of consolidation and a bit of support from it in early June, late May, and we also saw a bit of consolidation from it in mid June as well. So the metric has been important in the past. So it could be of interest in the near term. And then lastly, I'll be taking a look at the S&P 500 as far as indices go. This trend line has been, it's not quite perfect. I left it in just because it kind of showed you how it seems to make that the market's kind of dancing around it. So if you draw a trend line between the lows of late March to the lows of mid June, you get this trend line along here. And you can see quite to be fair, we did trade below it, but it was one day we traded below it, even close below it, but we've been trading kind of quite consistently in around it, and we're trading pretty much on at the moment. And even though cash trading in the US hasn't begun, we're expecting the S&P 500 to open higher, we're expecting it to open around 3,225. So if you can hold above the kind of 3,200 mark and also this trend line, it's likely we could see further gains being made because of the wider upper trend. It's not perfectly intact, but it's broadly intact. So if I do press on higher from here, we could be targeting the early June highs in around 3,233. If you do pull back though from these levels, we could see support current to play. Well, from this zone here, where the red line and the blue line meet the red line, being the turn to moving average, and the blue line being the 50 moving average. As soon as both metrics have been important in the past, we've seen them act as support, and both of them have support not too long ago. So this zone here could be of interest should we see a move to the downside, and that come into play in around 3,034. I'll take a look now at what's going on with the British, well, the euro versus the US dollar. What are you able to talk about is, we just talked about how broadly speaking, stock markets have been reasonably strong over the last few months. One thing I've noticed is that the US dollar has been popular with traders that have been in risk off sentiment. The green back has attracted funds during the green back recently has acted as a flight to quality play. So it's no coincidence that in the last few sessions, we've seen stock markets edge higher and we could be approaching multi-week highs. We're also seeing a stronger euro, and by stronger euro, I mean a weaker dollar. So the euro at least moved between mid-June, mid-May into mid-June, had a bit of a pullback of a correction that's been edging higher slowly since. And as far as you've been down on the fact that traders have been turning their backs on the US dollar, because in a stock market, so stronger metals are higher, they're clearly in a mode to take on more risk. So if the euro does build higher from here, we could be looking at heading towards 114, heading up towards early June highs in at one spot, 1422. And if you go beyond that, we could then be looking at targeting the highs of March in at one spot, 1495. If an euro, support could come into play from the kind of 112 zone down to the lows here in latest June in at one spot, 1168. So keep an eye out for one spot 12, one spot 1168 to the downside. Taking a look now at what's going on in relation to the British pound versus the US dollar. So the pounds that are fairly decent run the last couple of weeks, the last week or 10 days. And last move to the upside, be pressing higher. We can see here that this candle here has the potential to be a gravestone doji, which kind of could lead us lower. But the market itself has been almost trading sideways the last couple of sessions. So there's clear kind of indecision going on. We can't really ignore the kind of the trend of the last week in an episode, which is still to the upside. So if we do press on higher from here, we could be looking at targeting this red line here, the trend they're moving average in at one spot, 69, one spot, 2692. And if you go beyond that, we could be looking at it towards 130. Sorry, I jumped the gun a bit there. If you go beyond one spot 2692, we could be looking at targeting the highs of early June in a one spot, 2813. And if you go beyond that, we could be heading up towards 130. If the market does manage to kind of turn over on itself yet again, we could find support in around the kind of 125 area. It's in a bit of consolidation there in the past, or also from where this blue line, they fit the moving average and the other line, the 180 moving average where they can converge in a one spot, 2432. It was only last week. We had a decent move in gold. Gold, if the dollar soft, which has a track record of being soft recently, when the dollar soft, it helps the gold market and metals in general. So it's only last week, last Wednesday, we saw gold hit its highest level since September, 2011. So that really just kind of sums up how bullish the gold market is. It hasn't been the most exciting of markets in terms of daily market moves by and large, but nonetheless, it has been a fairly decent, we've seen it kind of consistently move higher. So we're clearly in an upward trend. If you can move on higher from here, we could be looking at targeting last week's high in around 1818, beyond 1818, we could be looking ahead in towards 1828. Any move to the downside in gold could find some support from the kind of psychological number of 1800, or if you go below that, down towards 1770, this zone here. And even if you go below that, this theory could act as support in 1747. That would be below, below, to the obvious, low, low, low, low, late June, June. And lastly, I'll take a look at what's going on with oil. Looking at Brent crude, the September contract. So we talked about hours. Today's a bit of a down day for the oil market because there's talk that Saudi Arabia want to undo some of the record production cuts that have been in place. So you can notice here in the oil market, it hasn't really broken out above this area here. This kind of zone here in around $43.50, $43.95, that area hasn't really been taken out to the upside, but at the same time, it hasn't really given that much ground to the downside. So it's almost like the market's kind of deciding which way to move next. These deep production cuts and the reopening of economies has led to the big rebound in the price of oil, but at the same time, that kind of rally appears to be running out of steam. So if it does manage to pick up again, and we do press on higher from here, we could be looking at targeting the high, so the lows rather of early June, after early June, early March, in at $46.33. But if you do drift lower from here, support could come into play back from around 40 bucks per barrel, back down toward this blue line here, the 50 moving average. And that comes into play. The 50 moving average comes into play at $38.73. Now, that's all for this week. Thank you for listening. Stay safe, have a good training week, and good luck.