The past year has seen the rise of a new model for the funding of technology companies called initial coin offerings. In 2017 the amount of money raised by startups via ICOs surpassed early stage venture capital funding for internet companies. This is the first example of these new token networks already replacing one area of the traditional financial system in a substantial and we can note the speed with which that happens. Within the space of just a few months ICOs went from almost nowhere to today when new blockchain projects are able to attract hundreds of millions of dollars by offering tokens directly for anyone in the world with internet connection to purchase. The rise of ICOs as a new model for growing economic networks is no accident or random event. It taps into a new capacity of information technology first seen with crowdfunding. For people to fund their own projects directly out of the future value the project is expected to deliver. The centralised third party investor is removed from the equation which takes away the need to organise the project around investor profits and to remove value from the network for shareholders. Instead the network funds itself out of selling access to the future service that it delivers thus retaining the value within the network. Indeed this illustrates one of the important aspects to note which is that these networks are very autonomous. A network can fund its own initial development through ICOs but not only this it can then fund its own future growth through simply increasing the number of tokens and giving those to members who present initiatives projects or other forms of work that will be beneficial to the future success of the ecosystem. The network inflates its own tokens gives those new tokens to projects that will increase its future service delivery and thus will work to deflate the token in the future when more people demand that added future service. In this way no external profit seeking third party such as a bank or other financial institution is needed. By removing the third party you have the potential to also remove a massive amount of overhead costs and regulation. Likewise you stop value being taken out of the network and this can align the incentives between members much better. ICOs and prediction markets will be a central part of long term economic development on token networks but these will also be combined with advanced analytics as a primary mechanism for coordinating the network in the short term. The convergence of advanced analytics and blockchain networks will be a major part of the workings of these token networks. Like with the existing digital platforms of the current internet these blockchain networks are going to datify everything they're going to create a massive amounts of data and will be highly amenable to complex analytics. With the use of this big data business and economics will move from the realm of speculation and intuition to becoming more of a natural science where data can be gained theories tested and new systems engineered in an initiative process. Unlike our traditional economy which exists historically outside of information systems these economic networks exist by default within information systems. They are well defined in terms of software and they automatically create data. This means as soon as these networks are up and running we're going to start applying analytics to them using the data to adjust the incentive structures and iterate on that in a fast paced learning process. Likewise being open source projects anyone can see how the system is designed and coded and they will have the data to see how any changes perform. The functionality of these systems will shift to the software layer and if they're open source anyone may contribute and earn tokens if their contribution is successful as measured by the feedback loop in analytics. To date businesses have been largely secretive by defaults run by a few with decisions that ultimately made by the highest paid person in the room. Economies have been directed by whoever managed to get elected and abstract economic theories that have never been really tested on real data with direct feedback to see how they work in practice. Scott Nelson CEO of the Sweetbridge Project describes this well when he says what we do need in addition is to understand that we're dealing with the actual invention of something extraordinary new and very powerful and that is the ability to build economic games that actually are businesses and which are controlled by a community who's vested in the game and the countries that master this are going to be the railroad barren company countries of this century. I mean we're dealing with a seed change here that can't be underestimated because the power of economic engines to be tuned and now measured we can actually see the economic activity of the customer what they're doing and get very direct feedback loops about how the customer is using the system and when the transparency is extremely high in the environment this changes everything.


I'm Natasha Osman and I'm the head of Home Owner's Insurance Cover at Apsa Insurance Company. Apsa understands that we don't only think about insurance, we think about the things that you love. At Apsa Insurance Company, we understand that your home is not just a building. It is the place where you make your greatest memories. And we attempt to ensure that you are correctly insured, that in the event of an unfortunate event, you are covered for your property. When applying for a home loan through Apsa, it is important to note that a home owner's comprehensive insurance cover is mandatory requirement for a home loan application to be approved. At Apsa, we make this process seamless for you as a customer. You are able to obtain a quote through your home loan process, application process, and you are able to select whether you would like a home owner's comprehensive insurance cover through Apsa Insurance Company. We enable this through the sales process and it makes it seamless for you as a customer. We also provide you affordable premiums that can be debited from your bank account or if you choose can be debited from your home loan, which allows for your premiums to be paid and for you always to be covered. Apsa Insurance Company offers you a home owner's comprehensive insurance that offers many perils that are covered by our policy. These include but are not limited to the bursting, leaking and overflowing of pipes and geysers and this covers unlimited through the lifetime of your policy. We also ensure you for fire and explosion, for acts of nature which includes storms, lightning, earthquakes, flooding. We include cover for subsidence and landslip which is a requirement by any bank in terms of a comprehensive insurance cover. We also cover you for malicious damage and impact damage where a tree may fall onto a wall on your property or a vehicle may drive into a property and those events are covered by your insurance policy. What's important to note is that as a policy holder or a potential home buyer, you need to understand what you are covered for and what you are not covered for by your insurance policy. Not every eventuality is covered by the insurance policy and as a policy holder, it is extremely important that you read the policy terms and conditions that you understand what is covered and what is not covered. Our policy wording has been simplified and has examples in it to enable you to understand it and fully understand what the obligations of the insurer are as well as your obligations as the homeowner. There are many tips that we can provide you in terms of your homeowner's insurance cover and these are simply to read your policy wording, understand the terms and conditions, understand your obligations. Your obligations include maintaining your property, ensuring that when you are purchasing the property that the property is structurally sound and has no structural defects in it that may later cause damages to the property which would not be insured by an insurance policy. It is important for you to understand that your responsibilities also include the wear and tear that may occur with a newer property that would take longer with older properties. This is important for you to understand that wear and tear and maintenance of older properties is far more important. In terms of your policy, some of the tips that we can provide you with to maintain your property during the seasonal changes that occur and the different types of weather that could affect your property adversely such as when we are moving from the winter seasons to the summer seasons. You would have collected leaves in the gutters through the winds that have gone by and the leaves that have fallen off the trees during the colder seasons ensuring that you clear out those gutters from blockages to prevent it in the rainy seasons to actually get blocked with water that could seep into the property and cause damage to your homes. It is important as well to ensure that shrubs and trees are kept away from the actual structure of your property should a fire occur from the outside. It may not necessarily reach your property if you've had your property cleaned and well maintained especially if you live in the outer lying areas or in the felt areas where fires are predominant. What's also important to note is that your plumbing is in order, that your pipes are secure and fitted, that you check your water bowls on an ongoing basis understanding that if there is a spike in the water bowl that you may be experiencing a burst or a leaking pipe that may be under your home or in the walls where it is not visible to the naked eye and it's important for you to understand that you're able to identify these potential losses and inform your insurer before it could become a major loss to you. In addition, with regards to fires and load shedding that occurs it's important to understand that switching off of plug points, especially stoves and ions which can cause fires when electricity is switched back on. These sort of tips help to enable you to manage your insurance risks and manage your property to prevent a loss from occurring. It's also important that you understand that in the change of seasons there are certain things within your property and outside of your property that need to be taken care of. The running of a pool for eight hours a day during summer, ensuring that your filter system is working and that there are no cracks or damages in your pool to prevent water loss from a pool which could also affect the foundation of the property and cause major damage and is very costly. Certain events like this are not covered by your insurance policy so it is very important that you read and understand the terms and conditions. I trust this gives you sufficient information to manage your insurance policy better understanding homeowners insurance cover and how important it is to protect your asset and also the memories that you make in your home. I thank you and I now hand over to Miguel Martin. My job is to look after our property investors and as an investor myself I know what it is to buy your first property and to grow their property, deal with tenants etc. I always look to share my knowledge and my experience as well as the various conversations I have with our customers to ensure that they are getting into property investment in the right way as well as growing their portfolios in a sustainable manner. We got into the market every year to see how our property investors are doing and what are their needs and pain points and we tend to find that there are four types of property investors. Those investors who are preparing to invest and that tends to be the majority of the market, about 45%. Then we find those investors who have got one or two properties putting their toes in the water and that tends to be another 37% of the market. That drops off significantly though for those investors who have three to ten properties with only 8% of investors being in that bracket and lastly only 6% of investors have ten or more properties. For each of these investor types we've developed a product to help them to not only initially get into purchasing their first property investment but also to optimise and grow their portfolios. We've also gone into the market and identified two key partners to help us to help our customers. That is the Slavery Property Investor Network and TPN. Michelle and Andrew from those companies will be joining us during this presentation to take you through what their companies can offer you as you invest and grow your portfolios. For those investors preparing to invest there are three things I really want you to think about. The first thing is your credit score. Ensure that your credit score is good and that you do not have any issues with your credit score. Without that you will not be able to get favourable terms when it comes to lending with any other banks. So ensure that you protect it and that you maintain a good credit score. Secondly, knowledge and education. Ensure that you invest in yourself in reading websites, reading books, watching webinars such as this as well as going on courses as they become available. That investment in yourself will pay dividends ten times when it comes to purchasing a better property investment. Then lastly your network. Try to find other property investors who are in the same boat as you either looking to get into property investment or looking to grow. They are on the same journey and what I find with property investors is that they're always willing to share their learnings, willing to share their insights and you can only grow as a property investor as you meet other property investors. For those investors preparing to invest we have two great products to help you invest in your first property. The My Home Home Loan product is for those investors who earn up to 25,400 rand. With My Home you'll get up to 100% LTV, that's loan to value. You'll also get 50% off your bond registration fees and your initiation fees will be zeroed. We give you access to a Borrowed Education course which is a great course to understand what it is to buy property and to purchase your first investment. The Young Professional Home Loan allows you to borrow up to 105% LTV. That additional 5% is there to help you with your transfer fees and other borrowing costs as you purchase your first property. For the Young Professional we allow you up to 30% discount of your bond registration fee and the attorney comes to you. Of course a Young Professional is anyone with an NQF 8 or higher course. For those investors who have one to two properties, three words I have for you. Location, location, location. Ensure that you are investing in areas where there is high demand from tenants. Ensure that your property is near transport links as well as amenities that you think your tenant would value such as shopping centres, schools, services etc. By doing so you add to the product that is your property to let. Lastly, consider the competition in your area. Consider how your property will stand head and shoulders above other properties that are available to let and that tenants will choose your property first. For you we have the Apsa Bike to Let which allows you to lend up to 100% loan to value. The Apsa Bike to Let allows you to use the existing rental income that you are obtaining in your current portfolio towards your income so that you can maximise your affordability. It also has a unique feature, unique to Apsa only, the future rental income which for those investors who already have two properties allows you to add the rental income you are going to achieve for the property you are financing towards your affordability thereby maximising the lending that you can utilise. The future rental income is only for investors who have two properties currently and are looking to grow to their third or more property. For those investors who have 3 to 10 properties we find that those investors tend to run into a cash crunch. Cash is incredibly important when it comes to putting down deposits paying transfer fees as well as minor renovations that you will be doing to your investment property. For this we suggest you look at your property equity. Property equity is the market value of a property less the outstanding loan of the property. So assuming that you have an outstanding loan of $600,000 but your property is worth $800,000 that indicates that you have $200,000 available to be able to access as equity in cash. For that we have the Apsa Further Advance. With the Apsa Further Advance you can access as equity we increase your loan and you can use that cash towards any purpose whatsoever such as investing in growing your property portfolio. For those investors who have 10 or more properties we want to help you leverage your portfolio to achieve exponential growth. For you we have the universal package. The universal package is for the sophisticated investor. It allows you to put multiple properties within one facility. Think of it as a home loan on steroids and as you pay off that home loan the capital portion of your monthly payment becomes immediately accessible to utilize as you require. There's no need to reapply and you can access it as you wish. The universal is a 20-year facility with home loan rates but the key advantage of the universal is that as you pay that loan down you can immediately access the capital portion of what you've paid down. There's no need to refinance or to reapply for that capital portion and that would make it a facility as opposed to a home loan. So being able to access that capital portion allows you to immediately access cash and go and purchase your next investment property. That's why the universal is really for those sophisticated investors who have a portfolio that they're growing and wanting to increase and leverage that portfolio exponentially. Thanks Michelle and Andrew for joining us on this video. They are really important partners to us and we chose them because TPN and SAPIN can really help you get into property investment, grow your portfolio and maintain it through the ups and downs that the property market does throw at us. Awesome, thank you for that. Hey everyone, my name is Andrew Walker and I'm the founder of the SA Property Investors Network, otherwise known as SAPIN and I'm also a property investor in my own right. I invest here in Edenvale, the east round of Johannesburg looking for flips, multilets and barterlets. Now what I've realised as a property investor is that it's very important for you to be connected to the right property practitioners, experts like Michelle Dickens from TPN, Bruno Sommar from the Bruno Sommar Attorneys. Having the right conveyance, what about the finance? Do you have the right finance in place? In property, one of the most challenging aspects is getting the right finance.  Now coming back to the SA Property Investors Network as we call it, this is a national platform of like-minded property investors and the great thing is there's different levels. So there's investors who are just buying the very first investment property and then we have a range of individuals who are looking to buy the second or third and then we have some investors who have 15 or more properties and the great thing about the national SAPIN platform is that whether you are looking to connect with an attorney or a conveyance, whoever it may be, SAPIN can provide that for you because it's all about networking, being inspired and getting the right education.  You've just got to make sure that you do have the right network. Remember that your network is determined by the size of your network. It's not about what you know, but it's about who you know. It's about being connected to the right individuals here in South Africa. So for example, you know, can you take all these boxes? Are you connected to the right finance specialist house right now? Do you have a bond originator in place? Are you connected directly with a bank like Epsom Bank? Do you have fantastic products like the future rental product as an example? Do you have access to a property coach? Do you have access to an accountant? What about the right insurance broker? If you're getting into the rental game, you may want to consider rental insurance. So these are all the things that I want you to start thinking about. You know, if you are getting into property or you are already in property, the question is, are you connected to the right property practitioners? And like I've said this before, because I've experienced it. As a property investor, your job is to go out there and find the property deals, and then raise the finance for the property deal and let the experts do all the work. Part of the due diligence, for example, Michelle Dickens from TPN making sure that the property you buy actually makes financial sense by having a look at the market value, having a look at the rental collections in the area. There's a certain aspect of due diligence you should always do on a property. In fact, it was just this week I spoke to an individual and I was talking about his property portfolio and I said, but what made you make the decision to buy the property? And he said, well, it just sounded right. It looked good. But he never ran the numbers on the property. He didn't look at the actual area of research because right now in South Africa, there's certain areas which are doing fairly well and there's certain areas where there's a downward trend. So you want to make sure whether you're buying a first-time or investment property that you're buying an area where you could expect some capital growth, where it makes financial sense. Yes, no one has a mirror ball, ladies and gents, and no one really knows what's going to happen to the property market in the next six months to 12 months. So there is some uncertainty. But just remember with uncertainty comes opportunity.  And that's what we do at the SF Property Investors Network. We have events. So every single month, we have a national networking event. And in fact, this past Wednesday, we had an event called Future Proof, your property portfolio. You're coming out of COVID, going into 2021. What happens if there is another pandemic? What happens if COVID comes back and you're in the property industry? How can you protect your property portfolio? We have certain keynote speakers talking about multilets versus buy-to-lets. Have you learned how to put an installment sale agreement in place? And whether you're buying your first home or a second investment or your fifth property, the question is, are you buying in the right entity? Are you buying in your personal capacity about a trust structure or a company? You know, there's so many different facets to property investing. And that's what we do at the SF Property Investors Network is the last way instead of every month, we have our national networking event where we bring our partners on board. So EPSA Bank is a partner of the SF Property Investors Network. And EPSA Bank will always give us an update as to what is happening in the banks and giving us some advice as to how can we get the best bonds through the banks. Then we have SAP and DRAW, which is a free platform for you to manage your properties. We'll have various guest speakers like Michelle Dickens from TPN always updating with regards to what is happening here in South Africa and what resources and tools do you need to be a successful property investor. And as I said, that could be buying your first investment or perhaps you want to upgrade and get a few more properties under your belt. So just make sure ladies and gents that if you do want to get into a property space, understand that there's two important elements. You've got to go raise the finance and you've got to find the deal and the deal you find needs to make financial sense. And it's not as easy as people think it is and that is why you do need to get the right indication and work with individuals who have been in the property space for a number of years. So I really hope that helped you. Please go out there. Come speak to us at the EPSA Bank stand. Come speak to us at the SF Property Investors Network and let us see how we can help you move forwards. TPN is a proud partner of EPSA's Bartolet Products. Use the TPN Property Analytics tools to help you to manage your assets. If you're an investor and you're looking to buy a new property, use the TPN Property Valuation Report to get the current market value of the property that you are busy looking at. If you're an investor and you already have properties in a suburb or you're looking to invest in a new suburb, use the TPN Investor Report. Here we'll give you all the property analytics you need to help you determine if that suburb meets your investment goals. Things like the property transactions within a suburb to help you determine capital appreciation for that suburb. The average rental price to help you determine the yield of that particular suburb will also give you risk information. What are the tenant delinquencies in the suburb? What are the tenant vacancies in the suburb? And of course, you can look at it from an affordability perspective to help you determine if this suburb is in low affordability range. Use the TPN software to help you manage your property. Step number one, place a quality tenant. The TPN Credit Bureau is the primary credit bureau for the property market. TPN collects information on where a tenant has rented in the past, what the rental was that they were paying, and importantly, how they paid their rent on a monthly basis. This information is vital to determine how your tenant will behave in the future. We supplement the information with TransUnion, Sacra, Deeds, and Sips information. This overall rent check inquiry will score your applicant to determine whether or not they're a good tenant to place in your property. Step number two, use a written lease agreement. The TPN lease pack is the most widely used lease agreement in the country, and we partner with SSLR Incorporated, who are our drafting attorneys. Not only do we have lease agreements, but the pack also includes your application forms, your inspection documents, any document that you may need in order to contract with your tenant. Step number three, manage the lease on a property management system, not on Excel. So our rent book system allows you to invoice your tenant, to manage your cash flow, to manage your suppliers. If you're an investor with less than 20 properties in your portfolio, rent book is a free service that you can use. Come find us at tpn.co.za. Thanks, Michelle. Hello, everyone. My name is Eugene Strauss. I'm the managing executive of APSA's life insurance businesses. Today, I want to share with you a couple of thoughts about why it's a good idea to reassess your life insurance when you're buying a home. Now, the first place to start is that I do understand that life insurance is not something we want and like to think about. We associate it with death and unfortunate events like becoming disabled and unable to work. And at APSA, we think about it a bit differently. We think about it as actually you're enabling a future generation's possibilities. And it's part of a step that you can take to leave things better because you are actually securing your legacy when you buy that life cover. So one of the first things that I want everyone to bear in mind is that when you're buying a home, it's a significant financial decision. And that's usually an important time for you to reassess how much life cover you have. And why that's so important is, yes, while you are buying an asset in the form of your home, you are also borrowing against that asset. And if you're going to use the asset as a security for the loan only, what will happen if something happens to you is you need to actually sell the home to secure, to settle the debt. What that means though is that you would still need to provide for your loved ones in terms of a place to stay. And that comes with cost. So when you are buying a home, you've got to look at, do you have enough life cover to not only cover the debt associated with the home loan, but to also make sure that there's enough left for you to invest to secure your legacy and to make sure that you can protect the livelihoods of your loved ones. The second thing that, you know, we get a question around that you've got to consider is, but I already have life cover. Do I need to take out additional cover or not? Now, using your existing life cover as security over your home loan is an option. It's something you can consider, and every individual's circumstances is different. However, you have to make sure that you have enough life cover. To the point I've made earlier, if you haven't reassessed whether you've got enough life cover, you should do that. We do that through a financial needs analysis, which our advisors can help you with. And what the advisor does is he looks at what is that amount that you need to cover the home loan as well as have enough left to secure the legacy of your loved ones.  And this has been something that's been very topical currently. So firstly, credit life is a form of life insurance. What credit life does, it's essentially a life cover where regulation prescribes what the maximum amount is that you can charge for the cover. It also prescribes, you know, which benefits have to be covered. You have to cover an event of death, disability, permanent or temporary, as well as retrenchment and loss of income. So for example, if you get retrenched, the credit life policy will cover up to 12 months' instalments. Now usually credit life gets underwritten on a pool of risks so you don't look at only the individual at stake and look at their unique risk, you look at the pool. And what ends up happening is it's a very valuable product for lower value loans, but it can become expensive for higher value loans. And that's where a more traditional life insurance cover policy comes in. So both of them do have a place and which one you decide will come down to the advice you get and your unique situation and circumstances. The fourth thing to think about is that price is not always king when it comes to life insurance. Now firstly, I do understand that, you know, as consumers, we are under a lot of pressure. COVID-19 has had an impact on the economy and on people's livelihoods and therefore price is important. But life cover does not have to be that expensive. So as a bank offering life cover, what we do is we use the current processes and systems we have when we sell the home loan and we try and save your life cover. And that means that you can actually secure life cover if you're a female graduate at the age of 30 with good health. It's going to cost you about $160 a month. That can go up to $300, $400, depending on your age and your health. But it's not as expensive as you would think. So don't just shop on price because the benefits you get is also very important to consider. So consider whether it covers all the events you want covered, including things like loss of income. What we've seen is that a lot of people when they buy life cover, they end up, you know, trying to go for the basic benefit to save money. And then when things happen like they lose the income, there's not enough cover in their policy to cover that. So really consider also the take up of loss of income type benefits when you're buying that life cover. The last thing that I wanted to share about is that if you're uncertain, talk to someone. And as a bank, we can help. So as a bank, we offer many, many choices in terms of how we guide you through this journey. If you want, we have financial advisors that can talk to you about a full needs analysis and your full spectrum of life insurance needs. But then we also have people in our contact centres that you can contact who are accredited are dealing with this product and can explain to you the benefits that you are buying. While we try and make things simple, it's a key component for us. We do understand that sometimes you need to talk to someone and we have people in our contact centres that can help. If you also want to buy straight through end-to-end online, you can also do that. We have an online capability where you can, by answering questions, you can buy a life cover. But if you get stuck, we also have a web chat functionality where we'll chat in a advisor to help you through that process. So another example of where, as a bank, we can help. And that's a real example of where, as apps are, we do more so you can. Thank you everyone. If you want more information from this presentation, please go to apps.ca.ca. Everything we've spoken about today is there. You can look at more detail and you can contact us should you want to get more information or to apply for a home loan with apps or home loans. Thanks so much for your time and I look forward to meeting you out there looking for property investments.


It's Hannah. In this video we'll talk you through wiki data. Now wiki data is a sister project of Wikipedia and it is a collaboratively edited knowledge base which can be used by any language wikipedia or anybody in any language as it is under a public domain license. Now you can login using your wikipedia account or you can create an account. So I'm going to login under my wikipedia account. However if you wanted to create an account you just put in your username that you want to use which can be related to your name or not, an email address and a password. Now this is the home page of wiki data and you can see that it has this many data items. So just over 88.5 million that anyone can edit. It says this is a free and open knowledge base. It gives you places you can learn about data, how you can get involved, current highlights. You can discover wiki projects and there's some news and at the bottom here there's a contact. At the top here you can find entries by searching. So we're going to look up Cicero, Roman philosopher and statesman. And here you can see the label tells you the name of this person in different languages. The Q number at the top here is a unique item, identifiers and it means that each page can exist in multiple languages. So you can see we've got the English, French and German names for Cicero. This description tells people they've found the correct entry if they're looking. So for example instead of Cicero the town or place we've got Cicero the Roman philosopher and statesman. And now if you come down to statements it tells you about the subject by showing a property which is instance of here and a value so he's human. So that's a further down we've got image, sex or gender, male, country of citizenship, ancient Rome and so on. And you can edit any existing statement by clicking this edit button or you can add new values. So a new place that you'd be come to your citizenship of. Or if you want to add a new statement scroll all the way down so there's a lot of statements for Cicero. And once you get to the bottom you can see you can add statement here and the add statement button. So it would give you the property so here we've got given name and then you would type in the value. And this is your brief introduction to a wiki data.


Hey everyone, my name is Matt Roots. I use he and pronouns and I'm actually with an organization called Tech Equity Collaborative on Ten of Protections.org. It's the program that I'm going to be talking about today. We are a non-profit that addresses inequities within the tech industry and also created by the tech economy. And I run a program, a civic tech program. So we do advocacy, we do member organizing and we do education. And I run a civic tech program within Tech Equity where I work with volunteers to develop web apps, visualizations, other tools that work with the initiatives that we're working on. So specifically talking about Ten of Protections.org today, this is a web app that is helping California renters navigate the landscape of local and statewide laws to figure out what they're eligible for, whether their landlord may have raised their rent illegally. So a little bit of background on rent control in California. The Ten of Protection Act was passed in 2019 and that extended a cap to people who qualify statewide. And based on estimates, we think that that extended some form of rent cap to approximately 8 million people in California. Got 40 million people in the state, about 45% of us are renters. So that's a lot of people that then got covered by rent control. There's also, going back much further, there's about 25 municipalities in California that have local ordinance. Typically the way it works is the local ordinance will cover fewer people and have a lower cap on the maximum amount that landlords can raise that rent. While the statewide ordinance is kind of a wider net, like I said, it's extended to 8 million people weren't previously covered, but that caps a lot higher on the statewide. And one thing we see is with those local ordinances, they're very specific. So, you know, those eligibility requirements are different in every municipality. It's often very confusing whether you're covered or not. And, you know, different municipalities have different levels of kind of clarity on how they document and present that information on their city website or whatever. It can be really hard to tell or to know just by Googling it depending where you live, whether you're covered or not. So we built this app to help people figure that out. So, very simple web app that we built here. We've got an eligibility quiz. We've got a rent calculator and then we've got just some links to resources. And what we were really prioritizing when we were designing this was that it would be fast, simple, lightweight, easy to use. We really want to make this as accessible as possible, knowing that, you know, renters come all up and down the kind of socioeconomic spectrum. And we wanted to really hide some of these complex eligibility requirements from the users. And then everything that is developed with my volunteer team is open source. We try to make stuff as maintainable as possible. So we built a really simple app here and I'm going to show a couple of screenshots. I don't, I think the screenshots didn't come through too well here, but just to get an idea of what the app looks like. You've got your landing page. I was trying to give you a, give you a sense of some of the questions we asked. When was your building built? What type of building do you live in? And, you know, they just ask you a few questions and tries to then distill kind of all that stuff into, into that quiz and then tell you what it thinks you're eligible for. So whether that's statewide or local. And then we've got also the, and the rent calculator, again, it's a very simple thing where you just, you can enter your current rent, your, your last rent increase and it will tell you whether it thinks that you are eligible or not for, or whether that, that rent increase was legal or legal. Just want to real quick talk about some of the challenges here. You know, I think research was actually, we really underestimated the research lit on this. And so we worked with an organization called ACE, the Alliance of Californians for Community Empowerment to do that research and kind of take all those laws and turn them into a matrix that we could then spit out into just a file that we could run, you know, run those checks against. And the other thing I'll say about it is that, you know, we ended up with a really simple app here, but I think you can't really underestimate how navigating some of eligibility and bureaucracy, just how a little bit of help for folks can actually go a really long way. And so we've had really, really good kind of feedback on, on this app that it, that it's really helped folks understand, understand the laws.


What is going on everybody? It's Stas here. Welcome back to another video. So in today's video, we're going to be doing an overall market update, taking a look at the Dow Jones, the S&P 500, and the Nasdaq. We're also going to be doing a trading update talking about what I did today on the 16th of July in 2019 in terms of my trades, as well as going over a couple of stocks and ETFs that I've written right here on this little piece of paper that I'm personally watching and looking to trade here in the month of July. So if you find value in this video, if you find it helpful, feel free to go down below and hit that like button. Subscribe to the channel if you haven't done so already and feel free to join our StriveSmart Discord group chat and our StriveSmart Facebook group. If you want to be further connected with the StriveSmart community and me personally, all of those are linked down below in the description box. So with that further ado, guys, let's get right into it here, starting off with the S&P 500, the SPX, the 500 largest publicly traded U.S. company. So we can see we closed at $3,004 today. It was actually a red day. We were down $10.26 at the close, down 0.34%. The Dow Jones industrial average also had a red day, not as bad of a red day as the S&P, but it was down $23.53 down 0.09% at the close. And the NASDAQ, although it does say it's down only $1.25 right now, that is the future. The NASDAQ was actually down 0.4%, I believe, around 40 to 50 points at the close of the market today. And you can see that if I go to the one day, one minute, you can see the sell-off that we did have throughout the day today. We hit a low at about $79.24. And if we go back to the 184-hour chart, you guys can actually see we hit that milestone of $8,000 on the NASDAQ, which is very, very good. So let's go back to the S&P very quickly. Let's break down some technicals with the S&P. We'll go to the Dow, then the NASDAQ for the market update portion of today's video. So you guys can clearly see at this point that the markets have temporarily found a top, right? And this, you know, it makes sense to me honestly, guys, because the markets, ever since we broke out of that wedge that I was talking about in previous videos last week and over the weekend, you know, the markets have been soaring, right? We had one, two, actually no, we had about one, two, three, four, and then, you know, four and a half days of straight up green day after green day after green day, all-time high after all-time high after all-time high. And what that was doing was it was pushing the S&P to overbought status more and more every single day in terms of the RSI. And you guys can see, you know, once we hit this overbought spot on the RSI, you guys can see it here, we plateaued a little bit, RSI came down, and then we popped up to that all-time high at 3017, we got to the overextended part on the RSI again, and now we're finally dumping here on the RSI as the markets are pulling back. So in my opinion, you know, on the 20-day one-hour chart here, this is a temporary, healthy pullback on the S&P 500, and we're still holding that 50SMA support that's been a support over the past couple of weeks, which is a good sign that the uptrend is still intact here, guys. So tomorrow, what I'm looking for is to see whether or not we hold this level on the 20-day one hour, do we gap up, which would be very good, that would be a confirming sign that the uptrend is continuing, or are we going to break, and this would be a very key technical break here, a break below the 50SMA, and that would honestly start to break us back into the 2,900 level. If that does end up happening, that would be a pretty bearish move. So another key thing that I'm seeing here is the S&P actually closed above, not only that 50SMA that we just talked about, but it also closed above the 3,000 level, which was an old resistance, and is now a new support, as you guys can see. And if I zoom out a bit and get this little drawing tool right here, let me show you guys exactly what I'm talking about, right? You guys can see it clearly held that level that I just drew out, old resistance here as a new support at the close of the market today, really for the latter half of the day. You guys can see we got a double bottom at $3,000, and then we got that breakout of the 180 and the 50SMA on the intraday chart, which is a pretty good way to close, but then we got that dump, which still we're at a higher low from the previous, but the dump towards the close, that's not too good of a way to close in terms of potentially recovering to the upside tomorrow. I much rather would have closed at $3,007, $3,008 on a nice little upswing, but we didn't get that, but the positive thing is we are at a higher low from $3,000, and we did close above $3,000 in general, which is a very key spot that the S&P needs to hold above for this uptrend to stay intact. So at this point, again, guys, our side's overbought, this is nothing more, this is just simply a healthy pullback in my opinion. And guys, if we break $3,000, a spot to watch on the 184-hour is going to be at about 2980. 2980, this was an old resistance back a couple of weeks ago. Now to support level that would also put us on top of that 50SMA support here on the 184-hour chart. So those are just a couple of things that I'm watching on the S&P 500 right now. If we're going to the Dow Jones, you guys can see it seems like we found a temporary top here as well. We hit that all-time high at about $27,398. Let me just double-check and see if that was today. Yup, it was today. You guys can see we hit that nearly $27,400. We dumped all the way down to about $27,290, and then we just consolidated pretty much for the rest of the day around that $27,300-ish level. And if we go back to the 20-day one hour, you can see this is just going according to the pattern here. You notice every time we've popped to a high, we've consolidated a couple of days, we've pulled back, and we've retested that 50SMA support before continuing the uptrend. And that's something that I'm watching here. We've plateaued. Now, maybe we dumped tomorrow. Maybe that RSI gets to an even healthier spot because you can see it's overbought now. It's still kind of overbought at 61, but not as bad as it was a couple of days ago. But ideally, we would like to see that RSI to at least like a 30, 35, 40, 45 level. And at that point, I think the Dow would have completed a healthy pullback, and we would want to see if it holds that 50SMA on this 20-day one hour chart. Of course, if it holds it and bounces, that's a continuation of the uptrend. If it breaks it, that's pretty bearish, and we'll reanalyze the situation there. But ideally, I think it's going to pull back here and then end up holding this resistance, old resistance as a new support, and continue the uptrend. That's what I'm personally watching here on the Dow Jones, just waiting to see if it pulls back and sees that healthy little retracement. So, back to that 5-day-5 minute very quickly. You guys can see the plateau, the slowdown. We might see that pullback here. Again, like I just said, back to the 184 hour, still very overbought here, very overbought at about 75. So ideally, I'd like to see that down, maybe 27,300-point retracement here. That would be pretty solid. If we hold above the 50SMA on the 184 hour, that'll bring down the RSI. That could open up a nice little opportunity for a short-term play on some of these market ETFs. So, Dow Jones Industrial Average, that is what it's looking through my personal perspective here and my personal opinion. Let me know down below what you guys think so far about these markets, their performance over these past couple of days. I would love to know. So, again, we hit an $8,000 level in the NASDAQ. We were down about 40-50 points today, down about 0.4-0.5% at the close. And you guys can clearly see, if we zoom in a bit here on the 184 hour chart, the uptrend is still intact. Notice this green, this is the 50SMA, the 50 Simple Moving Average. This has been a support over the past couple of weeks. And if I just clear this drawing set very quickly because it does look a bit sloppy, take a look at this pattern. Let me just zoom in one more time. Take a look at this trend line that I'm drawing out for you guys. You can see the uptrend that we're on. We're holding that trend line. We're holding the 50SMA.  It's bringing the R side down. We're holding that trend and we're holding that 50SMA. This retracement, I'm simply looking at it as a simple little pullback in an overheated NASDAQ. So that's looking good. Ideally, if it holds here tomorrow, that could be an entry point for TQQQ, which goes up whenever the NASDAQ is going up. So that could be a very nice bounce back play tomorrow if the markets do recover from the pullback. And obviously, we'll be looking. I'll be looking at the futures tomorrow throughout the night when I'm awake seeing how are they reacting? Are they shifting up? Are they popping up? Are they continuing the sell-off that we saw today in the market? That's going to really help me decide what am I doing in terms of my trades. So NQ, that's what it's looking like. If we go to the 20-day one hour, you guys can clearly see it's still holding that trend line. We're simply pulling back. We're trading above the 180SMA. That was a support from a couple of weeks ago, several different times. So I'm not scared that the market is reversing, that the NASDAQ is reversing. Everything is just pulling back healthily at this point. So that is the market update, guys. For this video, let me know down below in the comment section. Again, what are your thoughts on the market? Where do you think we're headed? Are we going to pull back more? Are we going to drop at this point? Or are we going to continue this upswing until the rate cut that we potentially get here at the end of the month and really just continue from there? Let me know down below. What do you guys think about that? And let's talk about what I personally did today in terms of my trading. So I noticed early on today that the market peaked and then the market started to fall, as we saw on some of the intraday charts. Let me just reiterate what I'm saying here. Well, going back to the S&P, you guys can see we peaked and then we fell, right? Going back to the Dow, we peaked and then we fell and then we actually rebounded a bit, but we were still lower from where we peaked in the morning. And the NASDAQ, which was the reddest out of the three indexes today, this one pretty much fell the entire day. You guys can see, you know, 9.30 a.m. Eastern Standard, it was already downtrending when the market opened. And I took notice to this, guys. You know, I took notice to this and I noticed how there was a bearish cross here on the one day, one minute, the 50 cross below the 180 in terms of the SMAs, the green line cross below the 180, which is a very bearish sign. And from there, I noticed how it was making lower lows and lower highs. Notice how, you know, it fought to get back up to the 180 SMA. It didn't break out. It got rejected at a lower low and then we dumped heavily. We popped up and this is actually when I was looking at SQQQ, which goes up whenever the NASDAQ is selling off. And take a look here, guys. You know, we popped up, again, lower high from the previous, just slightly, but it was a lower high and we were getting rejected at this point by the 180 SMA. And then when we started to drop, I took a position in SQQQQ at around 10 o'clock. So let's take a look at SQQQ very quickly. Let's pull it up very quickly. And again, this goes up whenever the NASDAQ is selling off. And honestly, guys, I've mentioned this in the previous couple of videos, but I've been watching these market ETFs, these market ETFs that go up when the markets sell off, because the markets, in my opinion, have been overheated. So this pullback I've kind of been waiting for. And when we did get that confirmation of the rejection at about 10 a.m., on the NASDAQ, I pulled the trigger on this one. And you guys can see at that point, you know, there was actually a nice margin of profit opened up from that initial spike this morning in SQQQQ. You guys can see we hit 3,150. We pulled back to about 3,130. And that was not a crazy margin. It was about a 0.5% margin. So at that point, I was thinking, you know, we pulled back, we got the double bottom at about 10 a.m., and then we start the spike. I was thinking 0.5%. That's not too bad, right, of a margin. We held a higher or low, the uptrend's looking intact on the SQQQQ ETF, the NASDAQ is falling. All these chips are starting to align right now. So I took the position right around here at about $31.37, a bit prematurely, because although we did get the double bottom, which is a pretty good bullish reversal sign, we didn't fully get the break out of this 50 SMA. But I was okay with that because I was watching it actively.  And at that point, if they were to break, if this was to break the 180 SMA support, that was where I was going to cut somewhere around here. But I did let it ride. And then ultimately, we did break above that 50 SMA. We saw the dump in the NQ. And what happened, guys? SQQQ ended up spiking, right? So pretty much when we filled the gap up to about $31.50, which again, was that high from once the market opened, we had again a 0.5% margin. I got in at about $31.36. And I sold off once we filled the gap up to pre-market. Sure, I left a lot of money on the table, guys. If we look at this larger term timeframe, if I were to hold from $31.35 all the way up to about $32, if I timed it perfectly, which is very unrealistic, right? I would have made a 2.2% profit, right? So 2.2% is what I could have made. But I'm conservative. I'm cool with taking a smaller margin of profit. I'm cool with taking a smaller profit, right? So I took about a 0.5%. Rather more like a 0.4%, honestly, as we filled the gap up to that pre-market, not really pre-market, but the resistance once the market opened. So that is what I did today in terms of my trading, guys. I hope you all did well in your trading. Let me know down below what did you end up doing today. I would love to know, guys. I love talking to all you guys down below in the comments section. So let's talk very quickly here about a couple of stocks that I have listed on my little piece of paper here, on my notes that I am watching, and actually a subscriber, a person in the Discord, a Discord member, a person of the StriveSmart community asked me to talk about FedEx. So FedEx is one that I briefly took a look about FDX here. And this is one that, if you look on the longer term timeframes on the 184-hour chart, this one's actually breaking out right now, which is something that I'm really finding attractive, actually. We can see that the 180S to May and overall, guys, this has just been downtrending. And the 180S to May has been acting as a resistance. This yellow line, you can clearly see it's been pushing down over the past six months. And even if we go to the past one year, one day, you guys can see FedEx has just been getting clobbered, guys. The high of 250 back in September, now it's at 150. The stock is almost slashed in half, right? That is pretty worrisome in terms of FedEx and FedEx shareholders. But in terms of shorter term plays here, we are breaking out of that 180S to May, which is a very good beginning reversal sign. It's not fully reversing yet, and I'll get into that right now, but it's a good first step. So let me just pull out some drawing tools very quickly and we'll analyze FedEx stock. So it's clear that it holds above 150. That is what we can base and see over these past couple of months. That is a level that it's clearly been holding above, right? And this stock went from 230 to about 150. Holy crap, in the matter of three weeks. That is awful, guys. This is back when, you know, back during the Christmas drop when, you know, the trade war with China was getting kind of heated. This one took a massive hit, right? And we hit that low at about 150. Notice how a couple of weeks ago in the beginning of June, we also hit that low at 150. So that's the second confirmation of the bounce on that support. And what happened towards the end of June? Well, we hit that level again. So we hit that level again and confirmed it. So that's three bottoms on that support, which is a very good sign. And from there, we made it higher or low, and then we made that break out of the 180S to May. So at this point, it's looking good for the beginning of the reversal. We got the triple hold on the support, which is sign one. We got the breakout of the 180S to May, which is sign two. And now we need to see the third confirmation step, which is going to be a hold above this 169, 168, 170 level, which is a resistance, as you guys can see. And at this point, we haven't fully held it. We haven't fully consolidated on top of it quite yet as a new support, which is kind of worrisome. But that is what we need to see quite frankly before we potentially test a 175 level 180 and then so forth, right? And notice how if I stretch this line out a bit more, notice how we're fighting to get on top of this resistance that was actually an old support as well a couple of weeks ago, or rather months ago, back in the March month of 2019. Notice how, you know, this was a support. Now it's a resistance. And I think, guys, let me drag this out very quickly.  You know, that would be like the fourth confirmation of us filling the gap back up to the next resistance, which is $184. So, you know, really at this point, I'm liking FedEx. We're seeing some good movement here. We just need to see a hold at 170 and a pop up to slowly start to fill the gap up to 185. And if we take a look at the trend line tool from 170 up to 185, guys, that's about an 8 to 10% margin of profit. That is looking very good on a battered down stock right now that, in my opinion, you know, should recover a bit here, you know, in the next couple of months. But again, do your own research, do your own diligence to not trade any of these stocks based on my opinion, you have to understand what you're doing for yourself, guys, that is super important. So, JNJ is another one that actually reported earnings today. It actually had a red day of about 1.64%. And if we go to the live news, you guys can see they did decently well on their earnings from what I remember here.  Let's take a look. So, okay, okay, okay. Where is it? I do believe they beat, out here it is, guys, so okay, I think they beat EPS by 6% or something like that. But I can't seem to find the exact earnings. But nonetheless, you know, now that Johnson and Johnson reported their earnings, I'm interested to see how the stock is going to react here in the next couple of days. We're still, although we did break this little trend line, we're still holding a higher or low from the previous. So, let's see at this point, if this does recover and slowly starts to continue on the uptrend pattern that it's been on over the past couple of months, obviously, we have a criminal investigation right now that could damper JNJ stock here over the next couple of weeks, which obviously I'm being very cautious about that. But if that slowly blows over here, this can be a beautiful dip buy on Johnson and Johnson. The R size oversold, we're still holding a higher or low from the previous uptrend is still intact. Very big company here that usually recovers after the big dips, as you guys can see from the previous massive dip from the Asbestos incident, you know, we recovered quite nicely. So, I think this could recover, we just need to give it some time and it does offer about an 8% margin of profit. So, the next one is 3M guys, I'm not going to spend too much time on this because I pretty much missed the move, but I did want to call it out and recap it because this is something that I called out on Sunday's video, I believe or Saturday's video, one of these videos, I called out 3M from about 175, 173 up to the gap fill at about 178. So, it actually filled that gap. Again, I missed the move, but if you actually caught this move, let me know down below in the comments section. But today was a very good day for 3M, 2% in the green up $3.65. So, at this point, are we going to hold 176, 177 and then maybe gap up to 183? That's what I'm watching right now on 3M. So, JP Morgan, banking stocks have been reporting earnings here over the past couple of days. You guys can see JP Morgan reported what day was this on the 16th, that was today. So, they reported today and you guys can see their estimated it was 2.56, 2.82 was their actual for earnings per share, which is very, very good. We got the pullback, hold on the 50 SMA. So, at this point, it seems like we are gunning, we are pushing for that higher high at about 116, 116.50. So, this could open up an interesting entry point tomorrow. Let's say we pull back, we may retest that 50 SMA, or let's say we pull, or rather not even pull back, let's say we continue to run, it could open up a nice little continuation run entry here, which we could enter into 115, maybe 115.40 as it continues to gun for that higher high. You know, that could be a potential play as well. So, I'm going to see how it moves. You know, there's a pullback as it continue. That's going to be what I'm looking for. So, BAC is another banking stock that did end up reporting earnings, I believe today. Nope, their earnings are tomorrow. So, this is actually one that I'm going to be watching to see how it ends up doing, right? How it ends up reacting to earnings is the earnings positive, negative, house guidance. You know, how does that affect the stock? That could end up opening up some opportunities tomorrow, BAC. It does offer some margin up to about $30, which has been a resistance over the past couple of months, as you guys can clearly see from this trend line. So, those are just a couple of stocks that I'm watching, guys. Very quickly, some ETFs. You know, crude oil has been dumping. If we hold 57.50 as a new support, you know, if we hold that and fill the gap back up to $60, you know, UWT could be a potential play here that I'm watching. It's been hammered. It may be due for a little bit of a bounce back here. You know, UGAS and natural gas. Natural gas took quite a dump today, guys. But if you look on the trend here, let me just clear the drawing set very quickly. Although we did break that 180SMA support, which is not too good of a sign, we're still holding that trend that I just drew out for you guys at a higher low from the previous. So, at this point, since we took the big dip, since RSI, the RSI is very oversold, we could potentially rebound here, which is what I'm watching for. And if we do, UGAS, guys, which has been hammered, it was down 11% today, this could be a nice reversal play. So, I'm going to wrap up the video here, guys. If you enjoyed it, feel free to go down below and hit that like button. Feel free to subscribe to the channel. If you do want to see more content from me and hit that notification bell so you're notified every single time that I do make a video, drop a comment down below, what are your thoughts on the market? What did you trade today? Let me know. I would love to know what you're thinking from your point of view. And if you want to be further connected with the Stryvesmart community, join that Facebook down below. Join that Discord group chat down below and follow me on Instagram if you want to be further connected with me on that platform. All those links are down below. So, thank you all for watching. I'll catch you all in the next video. Peace out.


Biodiversity also helps us in different ways. Shade and also an opportunity for you to learn and play like under this beautiful mango tree. So look at how many colors you can find. Try one of these flowers. Try one. Delicious. You also have pike over here. It's also a different variety. Arugula. See how beautiful it is? There's so many opportunities to grow food around us. It's important to learn about healthy agriculture and to honor the benefits of fruit and vegetables. So this is the papaya straw. You know that it works perfectly as a straw and it comes from nature. It's not a harmful plastic element like a plastic straw. This is a full biodegradable straw from the papaya tree. A lot of information you can obtain from plants, a lot of nutrients, a lot of colors, a lot of art, a lot of shapes. This is a drop resistant plant. It's a very curious plant. You want to see it? It's called aloe vera and it has a lot of good things to share. So we get rid of the spines.