Ευχαριστούμε και παιδιά! Είναι Vicky εδώ και σήμερα εγώ εξηγηθώ το τελευταίο έργο by Altenew. Θα σας δείξω τίποτα τι έχει been released και τότε θα σας δείξω 4 τελευταία για να προσπαθήσω αυτές τις πρόταξες στην αξιόνωση. Επίσης αυτό είναι ένα βλόκο. Παρακολουθείτε να δείξετε τον βλόκο μου. Υπάρχουν πολλές τελευταίες μέσα στον τρόπο. Λοιπόν πρώτα από όλοι υπάρχουν νέα πιγκμένες που έχουν been released. Αυτό είναι το antic gold και είναι μετάλλικο. Το δεύτερο είναι το αξιόνωσο. Είναι αξιόνωσο, με πολλές φορές και χαράς για τους προσπιστές σας. Και η τελευταία είναι ουπσίδιανο, πιγκμένες, και είναι εξεπτυντικό, που δηλαδή είναι να σκοτήσει όλα τα πράγματα στον προσπιστή σας. Επίσης θα σας δείξετε μια καλύτερη εμπραγματική εξηγηθώ, αλλά θα θα σκοτήσει μόνο για να προσπαθεί. Επίσης αυτό είναι παρακολουθείτες, οπότε είναι καλύτερο για το νέο. Αυτή η τελευταία στάνπιση έχει 3 εξηγηθώσεις να κομπινθεί, και είναι η καλύτερη εξηγηθώση. Έχουν δηλαδή έδωσε έναν νέο αξιόνωσο, αυτό είναι ο Ωμπρέα αλφα. Είχαμε αυτό το φιλό και νομίζω ότι θα είναι καλύτερο για το αξιόνωσο μου. Τώρα αυτό είναι το νέο στάνπισης να κομπινθεί, και είναι ένας από τα φαίου μου από αυτή τη εξηγηθώση, γιατί μπορείς να δηλαδήσεις μόνος εξηγηθώσεις, δηλαδή είναι ένας από τα φαίου μου από αυτά τα φαίου Πορτογή. Θα μπορείς να χρησιμοποιήσεις σαν διότι είναι, ή να κομπινθείς τις εξηγηθώσεις one στον εξηγηθώσεις, να φτιάξουν ωραία εξηγηθώσεις, και μπορείς να δοκιμάσεις όταν θυμαστεί, εχω να δοκιμάσεις αυτά τα δύο κατζι στις δύο. Τώρα εδώ είναι έναν άλλο καλύτερο, ένα από τα φαίου που ήμουν να δω χωρίται καλά και καλά, Έχει λάβος σανδημέντων σε ένα καλύτερο φόντο και έχω αυτό το καλύτερο καλύτερο σε ένα δεύτερο από την προηγιότητα που έχω been using a lot and again and again for the last month since I absolutely love this phone. Και by the way, this stamp set is called fancy greetings. Now here is an absolutely beautiful stamp set. It is called Everlasting Happiness and it features this circle and a flower composition on one side. You can get a bigger and a smaller circle along with lots and lots of sentiments for your cards. Just like always, Alden New has released a new flower stamp set. This is called Basic Blooms and it's one of their layering stamp sets where you get flowers and leaves to stamp one on top of the other. Now they have also released matching dies as well as stencil. Another flower stamp set from this release is this one. It's called Delicate Clusters. There are also matching dies available. They come separately. I just like to store everything together. And I will be using this stamp set on today's video. Now if you don't have a wood crane stamp in your collection, here is a great one. This is called a Walk in the Woods. Provides a beautiful background for muscular and feminine cards. And here is another flower stamp set. This is called Ornate Foliage and you can use either the layering way to color in the flower or just use the outline stamp and color it in with your favorite medium. And here are two dies. This is one that I absolutely love. I will be using this today on one of my examples. And here is a beautiful background. This doesn't actually cut out anything. It only embosses lovely stitching all around the background. I will be using that today and you will be able to see the result that you get. Lovely, lovely background. All the new release is beautiful products but it is really difficult to keep up with them since they release every month. If you want to grab something from previous releases, there is a 20% off discount just for today. Make sure to visit my blog where I share all about it. Okay, so here I have a panel where I used the dotted swirls, the bossing cover die and with all the lighting on my studio it is really hard to show you the beautiful texture that I get. So here is a close-up photo of the card that I'm making now where you can see the beautiful pattern at the background. So for my focal point I will be using one of the flowers from the Delicate Clusters. Here is the leaflet where you can see some inspiration. You can use the flowers with the stem or without. You can put them on a vase, so many different ideas and I really love the leaflet because it gives you different color combos as well as ideas on how to put your cards together. Now this is a very flexible die which means that I might stamp it in a way that will not match the die. So I'll do the die cutting first and I did use a little bit of footage here. I thought I pressed the record button but after all I didn't. So all I'm doing here is just placing the negative on my misty. Then you can put the stamp inside that empty space and align it perfectly, close the door of your misty and then place inside the other cutout. Now I'm doing the stamping and for that I'm using bamboo, then I will move into olive and finally the darker shade that I'm using is moss. All the greens that I'm using today come from the oval set which is called Tropical Forest. Now I'll move on and do the stamping of the flowers. For the flowers there are four different layers and I used pink diamond, pink aliceus, rubelite and rustle berry. All these four colors come from the same oval set which is called cherry blossom. And you will find everything linked down below just like always. So I am putting my card together. I have placed the panel on top of a green cardstock and I'm placing the flower cluster on top. I used some foam tape at the back to have some dimension. I will cut off the excess and I used some thread here to tie a double bow with colors of thread that match the colors of my flowers. I'm going to stick those on top of my card just to add some extra interest and texture and I think it looks really cute. I'm using orange nouveau drops here and add the dot at the center of the flowers just for some extra interest there. Finally for a sentiment I went with a word love in a colored cardstock that matched the center of my flowers. For the next two cards I will be using the Dirt to Dream stamp set. I love these styles and they remind me of my trips to Spain and Portugal. You can see all those beautiful backgrounds, use the stamps as they are alone or combine them one on top of the other for more complicated designs. And if you look online for Portuguese styles or Spanish styles you will find beautiful color combos that you can easily recreate with this stamp set. So for my card I want to use all six of those styles and I don't want to bother to align them again since I know that they are perfectly aligned as they are on the stamp set and that's why I'm going to use the whole stamp set as it is. I'm only removing the sentiments all around and I'm going to place that acetate directly on top of my misty door and secure it down with some purple tape. I'm going to ink up all the tiles and the ink I'm using is called dusk. I'm going for a blue and gold design here but you can see how beautiful it looks if you leave it as it is, just as it is now. Now I'm going to stamp it one more time just to get a good impression and then I want to go ahead and use one of the gold new ink pads by Altenew so I'm going to clean up the stamp, I'm going to remove it from the door and I'm going to place it on top of the stamped image but I'm going to flip it this time so I'm going to actually combine two different stamps for one tile and excuse my head as I'm trying to make sure that I align everything correctly and that was my lazy way of aligning everything and flipping all the images at once but of course you can do it separately if you like I think this is a quick and easy way. Now I'm going to ink up the whole thing and this time I'm going to use enchanted gold pigment ink This is not only going to give a more complicated look to those tiles but at the same time it's going to add shimmer and shine on my project and I'm going to stamp one more time just to get a better impression and you will be able to see the beautiful shine that I end up having It's really hard to catch on camera but in real life it really looks stunning and now since I had my stamps already dirty with that ink I decided to go ahead and do one more card so this time I'm stamping on a piece of black cardstock and you can see that this ink stamps beautifully both on white and black cardstock It's really opaque and you can see the beautiful shine and I'm going to turn those two backgrounds into cards For the first card I just matched the base of my card with the blue color on the tiles I added a thin strip of washi tape in antique gold again to bring everything together I imposed my sentiment from the same stamp set that says Dare to Dream and at the center of those tiles I'm adding some crystal gems at the same color as the blue cardstock Now my panel is ready and all I have to do is to just stick it on top of a standard card that's four and a quarter by five and a half and you can see some close up photos here For the second background I kept everything really simple I think it is stunning as it is I just stamped on a very thin strip of black cardstock My panel is ready and I always end up sticking those panels on four and a quarter by five and a half pre-folded cards For the last card for today I'm going for something really romantic but very easy to recreate This is called fine bouquet die I'm placing it on top of this cardstock making sure that it goes from one end all the way to the other I'm going to add some washi tape on top just to make sure that it's not going to move and then I'm going to run it through my die cutting machine So I kept the bottom part after the die cutting I'm using my Nouveau Deluxe glue at the back and I'm going to secure it down on top of a four and a quarter by five and a half white panel and then I'm going to add some glue at the back of this very delicate die cut and to make things simpler you can use adhesive spray or use some double sided tape before you do the die cutting I forgot to do that in the beginning My Nouveau Deluxe at the back Now I'm going to stick the flower on top of my panel and it fits perfectly in that area For the sentiment I decided to use one from the fancy greetings stamp set They are all beautiful I just went with sending hacks just because I find it very versatile and I'm going to stamp that with soft lilac I found that by stamping a couple of times I got the exact same shade as the cardstock that I used and I don't know where I got this cardstock I just grabbed it from my stash So now finally for some finishing details on this very delicate card I'm just going to add a few of those gems that match perfectly the color of my cardstock I'm keeping everything monochromatic I think it is a great recipe when you want to have a very elegant card and there are so many different ways to use this die You can use the inlaid technique so many different ways Now let's take a quick look on all the 4 cards that I made for today using products from the latest release by Altenew Don't forget this is part of a blog hope There are lots of giveaways so make sure to visit my blog and you will find there a 20% discount for everything Altenew from the previous releases So these were the projects for today I hope you had fun that you got inspired Don't forget to leave me a comment and like this video It really helps my channel and also subscribe if you haven't done so already Thank you all so much for visiting today and I'll see you next time


I mean the first official stock exchange started the 17th century. I think it was 1611 was the Dutch East India Company Basically trading stock and tried to build up a lot of wealth within Holland because the thing about the Netherlands is It's not very big. It's not a big political power and still it starts going to You know the East and picking up loads of spices and bringing it back to Holland and then they're making money when they make money They need to buy ships.  No, you haven't yes Yes, but I know nothing else What so not the flower? Yeah, the flower the actual flower They were okay. You've got more knowledge than you think I'm clean.  Well, which is when are we talking? We are talking was 1636 is when the it gets ridiculous. Okay, and we're talking you can trade a single tulip bulb for a house So there are there's tulip bulbs. I think in 1637 in like February There's one tulip bulb which sold for 5300 Gelder or five thousand two hundred Gelder and considering that a carpenter skill trade at that time annually will earn about 250 Gelder You can imagine, you know, right and this is this is it seems crazy to us And you know, this is big thing in our society where this is seen as the first big speculative bubble You have people so what they're doing is they're trading promissory notes So if you got imagine you want your tulips you want your tulips because you're Dutch and there's very little you can buy To show your wealth because you're Calvinist now Calvinists are very Puritan. They all wear black and white You're not allowed to be ostentatious in any way You're allowed to be if you like like jazzy stuff So if you wanted to slight show off you wouldn't get yourself a nice Mercedes or anything like that or a Tesla Or whatever you would get yourself a really decent portrait, you know of your family looking very somber and serious Which was like Van Gogh kind of era exactly that sort of thing clicking exactly where he made his money before he lost it all again and then made it all again, but point is Tulips was something that only the wealthy could really take pride in because you had to be a good guarding had to have knowledge They were only flower for like, you know a few like six weeks a year You know this is you know the time to buy them and they were really really rare ones So they've been brought over to Holland like in the mid like 16th century sort of 1520s uptime and then they started to be developed And so you get these ones with stripes now We know that that the stripes ones those are down to a via a virus There's mosaic virus that tulips can get which means they can't produce many bulbs, right? And that means that they're really rare So they've got the natural rarity to them and they're really pretty because they're stripy and you don't know exactly which ones are Going to be the most stripy in the most, you know, oh, they're collectible. They're really collectible You know, we're talking beanie babies plus here This is like actual actual rarity and so people went crazy for these and wanted to you know get these But the only way to get them was this really short tunneling in the market So you got this really short time where you know, oh look you can see the parent bulbs You can see that they've got flowers. You can have a guess what the kids bulbs are going to be like and That's the only time you can buy those bulbs those kid bulbs until somebody said well, how about we start a futures market?   I'll give you that much to that bit paper saying the IOU I'll give you that much to that bit of paper saying the IOU and you had this chain of people All buying the same tulip bulb and of course, that's great until February When nobody wants to buy the actual bulb and they just quit on their option They lose their deposit. They quit in their option and the entire thing just goes oh collapse exactly now in There's like in our sort of general idea of it. What happened was everybody jumped in the canal They weren't made bankrupts and rudder rudder. You know, that's that's that's the understanding story for another time But that didn't happen. Ah Because I mean basically got regulators the government stepped in and the court stepped in says these are promissory notes These are not real money. So nobody actually was made bankrupt There's a some historical out and Golgar who basically went through it all found out the chains that everybody thought were like hundreds and hundreds massive speculations only five people long max and So we didn't actually create this terrible financial crisis in Holland and a lot of people think it did but it didn't It was literally and you know, some people say it wasn't even a bubble The reason that it popped was because over this time as the tulips of you know People found out they're getting more and more expensive more and more people started to grow them and in February when the bubble popped That's when tulips and Harlem started to flower. So there was an oversupply. This is a supply and demand Issued not a speculative bubble. I just thought for the nerds who know about tulip mania They'd like to know that technically wasn't a futures market collapsing Whoa, I feel like you need to compress that story a little bit Foku, are you having like flashes of your current trading life and thinking to yourself? This could have been so much easier if I lived in Holland Servants in hundreds. Yeah, no, um, I got I got I got hay fever. Oh, yeah, no Yeah, I feel like I wouldn't be interested but I mean I can see somebody, you know Just getting it just to say oh, yeah, this is a show of my wealth and whatnot Especially with the straps as well But even with the virus was the virus just for tulips only so you weren't like yeah Yeah, you couldn't catch.  Yes, but and now you see back then the virus didn't really affect the tulips as much But now the striped tulips are much shorter the much weaker than they were so mosaic virus You know tulips back in the day were better


Personal Finance PowerPoint Presentation. What not to fix when selling a house. Get ready to get financially fit by practicing personal finance. Most of this information can be found at Investopedia. What not to fix when selling a house, which you can find online. Take a look at the references, resources, continue your research from there. This is by Ray Hartley Beck, published January 3rd, 2022. Learn what repairs and upgrades to avoid when preparing a home for sale. We're in the sailing of a home thought process, the sales thought process. Preparing to sell a home can be daunting. Popular shows like Fixer Upper, Flip or Flop and Property Brothers make it seem like you have to spend thousands of dollars and make renovating a full-time job to prepare to put your house on the market. So obviously when you're looking at shows like this, they're in the business of flipping homes or upgrading homes so that they can add value to the homes often times, which might be a different type of scenario than when you're in a home that you've lived in for some time and are selling it under those conditions. So while real estate flippers do frequently make money doing cosmetic renovations on homes and selling them, these people are professionals who have spent decades building up their own skill set, knowledge base and network to be successful. So obviously if you're in the business of purchasing a home and then selling the home shortly after, then you're not simply dependent on the market in those cases often times. You're trying to put some more value into the home so that you can increase the equity on a short-term basis. If you purchased a home for living in the home and you've lived in it for some time and are then selling the home, if you're keeping up the home in good basis, well now you're not doing a short-term flipping process. You have a longer term between the purchase and sales price. So it's more likely or possible that the value could go up during that time period hopefully just simply to the longer extent, the longer investment that has been put in place. So therefore you don't really need to do all the renovations in order to increase the equity in the home in a flipping type of scenario. Obviously you need to keep the home in good condition in good working order and so then the question would be what kind of repairs, what kind of things are necessary and what kind of things might be over the top or not necessary in that type of scenario. So the average home owner getting ready to put their home on the market won't see a huge return on investment or OI for many of the biggest home renovations such as kitchen remodeling. So often times if you're going to take over a home and flip it one of the things that you might see is that well the kitchen is not up to par and you remodel the whole kitchen. But if you're living in the home you probably have the kitchen up to par for you. You might you know keeping the kitchen up to a good standard use setting that you're using. So going from that standard use up to a remodel of it or taking it up a notch just for the selling process might not be worthwhile. But even the most popular fixes like repainting your interior and exterior offer only a 51% ROI return on investment according to the analysis done by real estate agent referral company Homelight. And I think some of the problems are with these kind of renovations like painting the inside of the home and the kitchen renovation as well. They're deeply personal into a lot of people. A lot of people would just like their kitchen to be different or just like the color to be different. And so you might put a lot of work in it to sell it to somebody who is then just going to move into the home and redo the whole home the way they want to do it. So it kind of depends on the market you're in as well if you're in the type of market where you feel like someone wants to buy a ready-made house that's ready to go type of thing or if you're in the kind of market where people are basically going to come in and then do their own kind of remodeling of the home no matter what you put in the thing. So for homes with neutral colors and good condition repainting is even less profitable or conventional wisdom on what is worth fixing is often skewed in favor of spending more money and time than necessary. So the general thought process and I think this comes from the idea that people typically think well I have to do something I need to do something and when you're going through the selling process and you're doing some waiting for the selling process and so on you might think well I need to do something to make the selling process go easier. And I often think about the adage for medical professionals where they have the saying that their first thing is they don't want to do any harm. Whatever they should do there shouldn't be causing harm if you're taking action just for action's sake and it's not action that you think or have some evidence to think it's going to actually improve the situation. It's likely that you're at the least just spending your wheels and at the most you're making things worse by taking action and you know so then just being patient and maybe the way to go sometimes often times. So consult a real estate agent before making repairs no matter your market there are several things that everyone should do to get a quick sale. You should make sure your home is clean. So obviously when you're making a sale that you know you may not do the whole renovation process but clearly if you've been living in the home you would think the home is kind of up to par you're keeping the home up to par for your living conditions clearly you want to make it look nice for the home process cleaning it up.  Obviously you would like to make the home look open look expansive look kind of bigger on the inside as big as possible on the inside and storage to some degree with the highest curb appeal that you can manage. A local experienced real estate agent should know the market conditions in your area and have a good idea of what repairs are necessary to get your home in line with comparable sales at your desired price. So obviously you'd want to speak to a real estate agent and get an idea of what home purchasers are looking for in that area what kind of renovations would be beneficial for that particular area. Would it be would it be a good renovation to do the basics are you selling to people that are going to have the idea that they would like to move into the home and just not do as many repairs and so on or are you in the type of place where a lot of people are moving into the home and they're planning on doing their own kind of renovations once they move into the home. So ask your agent for a competitive market analysis CMA so you can see what other homes are selling for. So if everyone on your CMA at your desired sales price is in a condition similar to yours you may not need to do any repairs before listing. So if you're looking at the sales that have been made and you're saying hey my place is up to par with these places then maybe you're good to go. If everything on your CMA is much more updated do some estimates to see the cost and money and time that it would take to get your home to the sale price you need. So if you're looking at other properties and you're saying okay they are up at a higher grade than my property then of course the question would be what's the risk versus reward of putting in the more renovations versus the possible increase in the sales price. The cost of updates often won't be recouped in the sale. Take your agent's suggestions on repairs with a grain of salt so clearly the agent has their own opinion but they're also kind of involved in the sales price and they're going to make some money based on the sales price so clearly a higher sales price to them would be beneficial and they're not paying for the fact that you're renovation so they're not involved in the cost the increase in the renovations they are going to possibly make a benefit from a higher sales price so you could see that doesn't mean they're going to lie to you but you could see their financial conditions are lined up to sell it for the maximum amount of price that you can get even if it costs more money to get that maximum price meaning you could be in a losing end even if they're on a winning end because it could have cost you more money to get the higher price but if the higher price is in place the sales agent is going to be better off so real estate agents get paid commission based on the sale price of your home so therefore you might even want a third party opinion possibly if you could find a third party opinion possibly pay someone or get some advice from someone who's not directly engaged in the transaction don't have a direct interest in the sale of the home so the realtor costs you $200,000 and increase the sales price by $100,000 that is a bad investment for you but a big jump in commissions for your realtor so the realtor just from a money standpoint they're going to say well yeah that would be great that's a great deal because they're going to get an increase in the commissions but you lost a whole bunch of money in the process so make sure but again the realtor kind of incentives skew the behaviors oftentimes make sure that you are working with an agent who keeps your best interest in mind don't do a major renovation while many costly upgrades can increase their overall home sale price depending on the project owners can also recoup a high percentage of the value and decreased sales price according to the national association of realtors the NAR and the table below using estimates from the 2019 remodeling impact survey the most recent year available due to COVID-19 remodelers estimated that the cost of certain projects and realtors estimated the cost of recovered and the sales price of the home so you've got your table here the return on investment of major renovations we've got the renovation type we've got the kitchen renovation bathroom renovation adding a bathroom new master suite with the estimated cost of the project so the kitchen was 68,000 estimated recovery cost was only 40,000 so percent of value recovered 59% the bathroom renovation 35,000 the estimated cost estimated cost recovered 20,000 so again the percent of value recovered 57 adding a bathroom 60,000 so you think that could be a big one you might say a whole another bathroom might increase the price because you might have different listings on that and so on but they're saying that the estimated cost recovered is only 30,000 you would think it would cost a lot to put a bathroom in as well with everything the plumbing and what not so that's a 50% value recovered and the new master suite that cost 150,000 estimated recoveries to 75,000 so 50% value recovered don't start a tax that you can't finish so clearly often times when you're looking at the long term projects and if you ever get into some of these long term projects it's quite easy to say I'm gonna do that I'm gonna work on it everyday and I'm gonna get it done but then they kind of take longer than you would have expected possibly having more work than you initially estimated that they would have home repairs are frequently more expensive take longer and need more skill than most people expect with supply chain issues and a tight label market as a result of the coronavirus pandemic is harder than ever to finish home improvement project on time and under budget so clearly the current market conditions make it even more difficult because you got these supply issues the cost of the materials and what not are fluctuating or could fluctuating given the current circumstances the Federal Reserve Bank has been tracking delivery time data for the manufacturing sector in New York Texas Philadelphia and has seen an increase in some areas of 300% over the pandemic timelines that's a problem so that means you're not only waiting for the appliances to get to your local store from the warehouse and then waiting for the installer but also waiting 300% longer for the materials to even arrive at the manufacturer to make your appliance so this means that you should not go into the demolition phase of any repair or upgrade until the items and tools that you need to finish your project are physically in your home so we've gotten really used to be thinking well these tools that the things I need are right down at the store right there because everything has been working fairly smoothly the global market has been all connected we've got the just in time supply chains supplying all of us but with recent conditions that have been going on those supply chains have been disrupted and we can see how easily they can be disrupted and therefore you want to be more sure that you have all the materials you need before you start taking that sledgehammer and cracking down walls and what not it is better to keep the 1970s shag carpeted than tear it up and expose staining floorboards because the 2000 square feet of hardwood that you ordered six months ago still hasn't been produced or is sitting on a ship outside the port of Los Angeles I live around Los Angeles crazy to see the ships lined up it seems so wasteful but in any case that's true the old carpeting is better than no carpeting or a bare floor that's ugly stained floor so you want to make sure that you got your stuff before you start tearing things out so don't fix and replace with trends replacing broken or damaged things like light fixtures faucets cabinets hardwood and so on can quickly change the appearance of the home and help it sell quickly or even a phrase for more painting a room door trim or a cabinet tree I can also provide a quick facelift however be sure not to replace anything with something too obnoxious or trendy so if you're trying to renovate everything to get it up to a certain new trendy look as opposed to fixing it you know to give it a good a good updated look I guess in terms of just having a newer item involved that might not want to do that because you have no idea of course of the trends and I've seen this happen a lot it's kind of interesting when you watch the home sales happening you see the types of things that they're fixing inside and out and then you see the next person move in and the whole and they just remodel the whole place right they they have brand new carpets in there but the guy didn't like the new carpets or whatever and he took out the new carpets so it just seems again it kind of depends on who you're going to be selling to or who you think the potential buyer is likely to be in terms of what kind of renovations they might have but you probably pretty clearly don't want to take a bold stance painting it the whole bright neon orange or something like that because that seems to be the trendy thingers so what is currently trending for a specific slice of the population may be extremely off-putting for others keep your population keep your population of potential buyers as broad as possible so obviously when you're trying to sell the home usually you know you think in kind of neutral type of things that would have a broad appeal to many different people and would be the the general idea generally right and then if the person wants to make the changes they can go in there and make the changes but if you go way overboard on on an extreme it's likely that you're going to pinch the market down to a fairly small segment which maybe there maybe those are the segment that you're really aiming for so maybe that would be the way to go but generally would think that would be not not the way to go so by thinking so you generally would want neutral colors and common fixture styles they can appeal to everyone so should you should I sell my home for cash selling your home for cash is more convenient but you are typically accepting an offer from a buyer that is subtracting any fixing up expenses and then offering 75% of what they expect to sell the home for so doing whatever cleaning decluttering and fixing that you have the time and money to complete while listing your home on the market most likely will net you more money than selling for cash what do I have to fix at a bare minimum what's the bottom line what's the bare man so if you are able to you should fix anything that is significant get safety issue and would cause your home to fail inspection so obviously you got to have the home up to par so if there's anything where you are going to say well the state is not going to let me sell it then those things you want to fix and typically those have to do with safety kind of issues any major leaks infestations, sewer issues or electronic hazards should be repaired before putting your home on the market unless you intend to sell for cash so typically obviously those things need to be generally updated possibly for the sale of the home itself should I stage my house yes staging a home should cause your home to sell quicker and for more however staging doesn't necessarily mean hiring a professional staging a staging service cleaning and decluttering are part of staging and need to be complete for moving anyway so do it before listing photos are taken to have the greatest positive impact on your sale on your sale obviously when you're taking pictures to home and what not you'd like to have it as decluttered and beautifully set up as possible make it look as spacious as possible so what's the bottom line you may not actually need to fix anything to put your home on the market the most important thing is to make sure that you clean declutter and increase your home's curb appeal talk to a real estate agent to get an idea of what is needed in your current market run some basic math on your repair costs during the current supply chain crisis make sure you don't start anything that you can't finish before your listing goes live and if you're doing upgrades right before selling do things in neutral tastes rather than your own


This paper proposes a novel approach to optimize the size and location of distributed power generation and energy storage systems, DPGSS, in smart grids, SGs. The authors conducted extensive empirical studies and evaluated the potential problems caused by DPGSS integration into SGs. They use metaheuristic optimization algorithms, MOAs, to determine the optimal size and location of DPGSS, taking into account cost-benefit considerations such as reliability, sensitivity, and security. Additionally, they reviewed existing literature and compared their proposed work with other approaches adopted in distribution network, DN, planning. This article was authored by Rashid Abdelkater, Hater M.A. Ghanemi, Punkaj Didheech, and others.


The next question comes from Miyagi and it's about using multi-signature techniques to manage your Satoshis. Blockstream green is one of the multi-signature techniques but requires re-deposits once in a while because of end time locks. This is a bit counter-holding, meaning that if you use it for cold storage, you're going to have to keep moving your coins every now and then. CASA has a paid service for multi-sig using physical separation. This appears to be robust and well-thought-out option, says Miyagi. Electrum gives you multi-sig options, but it is an advanced feature requiring skill. Do you recommend multi-sig for the commoners, especially for crypto-savings, meaning cold storage, and what would be a good solution for them? That's a difficult question, Miyagi. Now, I'd like to separate multi-sig into fundamentally two different categories. A lot of what you've described, the services you've described, are multi-party multi-sig. That means you have some kind of multi-sig scheme, a K of N scheme, where out of N keys, K are required, the quorum, K are required in order to sign a transaction, but the participants in the multi-sig are different parties. So, you have one, two, or three of the keys, five of the keys, whatever. And another company or participant has another set of keys, and you have to combine some of yours and some of theirs, or all of yours if you have the cold storage keys. In all of those schemes, obviously, the company that has the third party that has some of your keys usually has a minority of the keys, meaning they do not have enough keys on their own to make a transaction, which is how you maintain control your keys, your coins, you maintain custody and sovereignty over your funds. You mentioned Electrum at the end, and with Electrum or any basically wallet that allows you to construct your own multi-sig scheme, you could quite easily create multi-party multi-sig, where you give or have others generate some of the keys of your multi-sig scheme. For example, a friend, a trusted relative, an attorney, or something like that. Although, generally speaking, it's very difficult to find people you can both trust and know how to use keys. And the more they know about how to use keys and about crypto, the less I trust them, honestly. And the more I trust them, the less they know about keys. It's a bit of a conundrum. The other thing you can create, however, is not multi-party multi-sig, but multi-factor multi-sig. Multi-factor multi-sig is where you have all of the keys that are participating in the multi-sig system, but you keep them on different devices and formats. Meaning that, for example, you might have one key on your mobile smartphone, one key on a hardware wallet, one key in cold storage, and do a two or three. So, effectively, it takes a signature from your hardware wallet and a signature from your smartphone under normal circumstances in order to execute a transaction. But you also have a backup, which you have maybe in the form of a mnemonic phrase stored somewhere securely, or even a hardware wallet with a mnemonic phrase loaded stored somewhere securely, and you only bring that out in an emergency. For example, if you lose the key that's on your mobile device or your other hardware wallet. Now, such schemes can give you a good balance between backup, meaning resiliency to disasters, damage to your phone, loss, etc., and at the same time give you some cold storage capability. Now, you may have noticed in this case at least two of those keys are readily accessible to you, which means that doesn't really protect you against coercion.  The bottom line is that all of these schemes schemes require a careful analysis of the threat model. What exactly are you trying to protect against? Are you trying to protect against loss of funds due to an accident, damage to devices, loss of memory, or something like that? That's a difficult risk to protect against and a lot of people underestimate that risk. As a result, they end up losing funds all the time because they do something too complex with not enough resiliency and backup.  Again, a difficult threat, which most people overestimate, leading them to creating complex solutions without enough backup, but still a real threat. Are you dealing with risks of software bugs and things like that where your crypto is stolen by atrocious virus malware, some vulnerability in the software, where it's easy and not targeted? It's an attack against everyone who has crypto or everyone who has that software or everyone who can be found to have that software. You have to balance these risks carefully. For cold storage, I would recommend using a straightforward hardware wallet that is backed up with a mnemonic phrase in at least two different locations and keeping those mnemonic phrases secure for additional security, adding a passphrase that you also need to backup in addition to your mnemonic phrase and not going with multisig because multisig is often too complex for people and can lead to losses because you didn't plan the multisig carefully enough. Multisig for cold storage is something that people with either very, very large funds, lots of assets would do or very complex security arrangements, especially multi-party multisig is usually reserved for people who need separation of duties and governance in the case of, for example, running a corporate fund where you don't want one person to be able to run away with the money. Multi-factor multisig is something that individuals with very high security requirements might use and they might use it in order to protect themselves from loss as well as security attacks against a specific software or hardware system. So by differentiating the software and hardware that's used for the different keys, you ensure that vulnerability in one doesn't compromise the entire system. I would probably go with a very, very simple two of three multisig, multi-factor system with three mnemonic phrases, two of them perhaps loaded on hardware wallets and used for cold storage, but the requirements for that are pretty high and building something like that is complicated. You would do that, of course, with something like Electrum and it would offer you a very high degree of security, but it's difficult to execute. Most people don't need that. A simpler option would be a multi-factor multisig using a mobile smartphone solution and a hardware wallet, again, using software like Electrum. Now, there are some technologies that are making it easier to do this. One of these technologies is called Partially Signed Bitcoin Transactions or PSBT that is a format for exchanging a partially signed transaction between multiple devices in a common format. So if you can find wallets that support PSBT, you can construct multi-factor multisig across different software devices that are compatible. Again, this is really not very mature technology and there are all kinds of problems you can run into if you're a newbie. So the bottom line is this is difficult to do. Most people don't need it and I would go with something simpler, honestly. If you think about some of the other questions we answered today, for example, inheritance, you've got to consider not only how difficult this will be for you to execute, but now imagine your non-technical uncle or nephew who's trying to figure out what you did and unravel that scheme in order to recover something because you've passed away. That becomes 10 times more complex and at that point you're more likely to have your funds lost forever.


Today I'm back with two new styling products and this time it's by texture ID So let's just go ahead and get right into this now you guys I bought one product online at Sally's and the other ones I got in store at the Sally's Beauty store Well, I got my hammock mask on and everything so now the first product is a leave-in conditioner almost This is called a daily moisturizing cream made with sweet almond oil honey and yogurt abstract And I do like for all of the texture ID bottles. They have a little Coily hair types and clearly the last one for is labeled for this particular product now This is eight point four five ounces. It has this great little bottle here. Let's go ahead and pump some out I've already been using this you guys for the back of my hair. So we're gonna have to try to really get that Look at how creamy this is. Oh, yeah, it's very you know what this reminds me of I hate to do comparisons But Jane Carter solution had this product called the smoother styler. I cannot find it at all It was in a pump the consistency is very much like that product This is like yogurt very creamy yogurt Has a nice a nice pleasant smell to it. Okay And next up we have the twist butter again eight ounces also made with sweet almond oil honey and yogurt Astrag it says stills in moisture and conditions dry hair and scalp. Okay, let's open this up very thick Very very creamy. It's almost as if I'm gonna be honest It's almost as if this start here is a thicker version of this So we're gonna go ahead and do a braid out you guys I'm gonna slightly or lightly mist to my hair with water Apply the daily moisturizing cream Apply the twisting butter seal it in with sweet almond oil. Okay All right, you guys So I am lightly misting my hair with water before before applying the leaving conditioner I should say the styling cream Along with the twisting butter that right there is a styling cream very very creamy as I stated earlier Now one thing I do want to mention is I do have a leaving conditioner already in my hair It's the Giovanni leaving conditioner, which is a very light white leaving conditioner I'm also going to be sealing my hair with sweet almond oil as I stated earlier. And so yeah, let's just continue now y'all I'm going to be doing braids. I am not the best At braiding hair and honestly, I'm not a fan of braid outs only because it takes so long to set And even longer in my opinion to take down. So anyway, I'm going to continue I'm going to be doing fairly small braids just for that definition. Okay Brian You guys I am done I allow these to set for about two days and here I am two days later Taking my scarf off. No disclaimer I did check my hair the day before and it felt hella dry So I went back in with the styling cream just a little bit towards the ends Actually, I'm not even towards the end all over my hair and some almond. Excuse me. Yes, sweet almond oil Hoping that that would help but Yeah, my hair feels honestly, I've never used products and my hair feels this way It almost feels like I use a sulfate Shampoo, I skip conditioning and I use a moose or gel to set my hair and braids. It looks okay But it just does not feel the greatest you guys. It doesn't feel healthy. It feels very dry Um, so yeah, I'm going to go ahead and take my time even though this footage It's sped up. I want to take my time to take down my hair. Yeah, you can see what it looks like now We're going to start to separate All right, you guys so yeah, I am done separate meaning now you can see the frizziness I have no other choice at this point, but to do an updo Don't ask me what type of updo this is I'm basically going to be taking goody stretchy bands to Separate my hair in little bundles and pin it up and I'm going to be using a headscarf for Add flair. I guess you could say. Um, I did go back to look at the ingredients. Um, both of these products There is a questionable ingredient, especially in the curling cream It does have alcohol However, it's a fatty alcohol and typically fatty alcohols are not stripping or does not dry out your hair But overall they do have both products actually and on all honesty have questionable ingredients So yeah, I'm going to continue with this updo and what I'm going to do you guys I'm going to set my hair again Using a shea butter Um, leave in conditioner along with the as I am grow yogurt We're going to give it another try and see how my hair turns out. Okay And let me serve you a little headscarf with a pop of nail color and eye color So yes texture is on point. This is what the back of my hair looks like as I stated earlier I'm going to come back in a couple more days and show you what everything looks like.  Um, now it's been two days after I reuse the Texture ID products. I thought I had them here. I'm sorry the two styling products are used by Texture ID I wanted to try them again But this time I use shea butter a diy shea butter mango buttercream and as I am As a leave in and what I'm going to do is just take down a few sections My hair is still um, it feels I don't know if it feels different. There's something about it that feels Different It is drying and frizzy this go around though. I did twist and I did ban two knots Still looks a lot better than the first style, but yeah and definition on point Really good, right? so That's it. Everything's taken down and yeah, see this is what it looks like underneath See how it's kind of That's frizzy. So This is what it's looking like again A lot better and I feel like even though it's drying Um, just due to the the definition along this could last me a couple of more days Um, I'm gonna turn around to the back so you guys can see what the back looks like Oh, I just don't like the way it feels like this is what it feels like And I don't know if I got a bad back your products or what it feels like I set my hair with moose And gel you got she got some bounce to her. It's fluffy So you guys I think it's important to give you a few takeaways while I show you some hair point girl Um benefits. I do like that. I can purchase this locally. The price is reasonable and the definition is on point The only con I can only just say is how my hair feels afterwards. I'm not not liking that, but it's okay You guys I will make it work. Okay So I will ask me for a couple more days and I have a feeling if I would have done this on If I would have done this style instead of a braid out initially, it would have definitely lasted me a little bit longer Um, but that is it you guys. Thank you so much for watching. Take care. Bye


YouTube team keep it clean. What's going on? It's engraving here with another video and another episode of NFL question from subscribers And this thing is going to be loaded because y'all sent a lot of Questions, but what questions from subscribers is a series where you can ask me any question you want to and we answered in a video Just like this if you ever want to be part of it You can send me an email to team keep it clean at gmail.com and for the patrons appreciate all the patrons Thank you to all the patrons You can send it directly on Patreon if you would like to become a team keep it clean patron and have your name on this beautiful list to my left or right I always forget where it is when I'm looking at the camera. But anyway You can go to patreon.com slash engraving vids and if you don't want to become a patron That's fine, too. You know, I still love you regardless team keep it clean. We got a Lot a lot a lot a lot of questions Let's dive into it. Oh starting off strong. His first question came from Manny. He said could this be the worst defense The Ravens ever had oh yikes said a engraving shout out for Massachusetts love the work you do man. Appreciate it I'm gonna get straight to it. Hey, we doing the same thing. He said after watching the Dolphins I hear a lot of fans that want Roman out, but what about the job wink has done this year with the defense Yes, I know we have key players out, but there is not a Rotation out front in the defensive line I noticed how Campbell who's one of the oldest guys on the team We have him like on special teams, too. Well, let me stop you right there He do you not remember when he blocked that field goal in a coach game and that was one of the only reasons the Ravens won If he doesn't block that field goal Ravens probably don't win that game So that's why he's out there on special. I mean cuz I know you ain't talking about kick return He ain't out there. He's on a field goal block unit. The dude is like seven foot seven He's really like six foot seven, but he's a giant and he got long arms and long reach That's why he's out there on special teams, but let me continue He said he would do so much better in my opinion if we had a younger guy to do his job on special teams Well, we already explained that part same with Bowser I just see no rotation on that defensive line and that hurts the rest of the defense and it's Ferguson even on the team anymore He's just taking the roster spot while staying on the bench. Sorry for the long email man. God bless go Ravens Whoo, man. He brought it from jump so To go piece by piece. So what about the job that wink has done this year with the defense Whoo, the defense has been rough this year certainly has But they've had they've had some games where they're just out there and they are doing a great job And the offense is just not giving them any kind of help I mean we saw that in this in this Dolphins game The deep that now they did give us some big plays man And this defense has been giving up like a record of big plays especially when you compared to recent Raven season They've been giving up a lot of big plays But like especially in the Dolphins game They were super super been been been been been been been been been been been been been been been all the way back But they did not break They didn't break they just kept giving up field goals field goals field goals field goals field goals field goals field goals And in fact the first touchdown that was given up with a game came from Ravens offense When Sammy Watkins fumbled the ball and Xavier and Howard said oh, let me scoop this up like Ravens didn't want to Scoop me up and let me take it back to the house So that was Ravens offense that end up giving up the first touchdown not even a Ravens defense. How about that? so the the defense like they definitely had their bad moments though because I mean you look at the the Vikings game just four days before and It's like they Their biggest problem was the big plays in that game it when they stopped the big plays Vikings offense They hardly moved the ball Because it will get that big play to Justin Jefferson a big catch and I mean they mean the big run by Dalvin Cook It was just it was the big plays that and then the kick returning to but that's not defense that special teams So but then you've had the times when you think oh, yeah, the defense got it and they end up just They can't cover nobody they they leaving guys wide open like that bingles get that being ooh that bingles ooh Yuck yuck Now they killed it in the Chargers game they just killed it in the um in the Broncos game But in a coach game ooh the coach game again They were super super super been been been even though on that first draft they gave up there like 74 y'all screen pass But besides that they were getting like Up and down the field up and down the field the coach just moving the ball at will but in the first half They only gave up 10 points But the Ravens offense Didn't help they didn't help they didn't wake up until it was too late So I think the defense has been it's been historically bad Especially when again when you compare to recent defenses But the offense has made it that much worse and the offense when they get off to these slow starts a lot of us We forget about the good that the defense actually does We forget about it a lot of times Because they're out there so much because offense they're going in for three and out gonna feel three and out Why don't feel getting three and out three now three now three now three now. Oh first down. Oh, okay Then oh gotta putt now so the the the offense will not move the ball and then the defense They'll be doing a good job, but then they'll keep suffering for it because offense ain't moving now The defense has certainly not been perfect. They had they've been rough this year to them And you because you got guys like and that's why I said I feel like the Ravens should have simplified some things Just let guys get great at something before you have them trying to do like 50 million different things I know it normally winks defenses. They got you always got guys doing 50 million different things It's always the more you can do is but it's I feel like with that defense and this work is held it down It's been a defense that has been a tops the league when it comes to scoring And that's the biggest thing. That's the most important thing. Hey, if you if your defense is holding teams away from scoring That's what it's all about. That is what it's all about But you also got to make adjustments You also got to change stuff if it's not Working and I feel like a lot of times with with both our coordinators. It happens a lot We see where they just they can get sort of stuck in their ways And and they won't want to adjust and that can be very frustrating to see So hopefully in this second half of the season wink looks at everything and he's just willing to adjust more He's willing to do something different if his original plan just isn't working. I just feel like um, I Feel like one of the biggest things that I feel like the Ravens would be They will be in a better position if their safety's they played safety I know he liked blitz and different guys like I don't know he like showing blitz But not blitzing certain guys in different package. I know I get it You want to disguise plays and whatnot? You want to make the quarterback thing? Oh, who's coming? Where's he coming from? I don't know where he's gonna come from I get that and I understand that and I respect it But sometimes I feel like them safety just need to drop back because the corners that you have maulin Humphrey This is not been as busy. You know been as busy at all Anthony avid like you don't want to just keep putting your guys on an island If that island has been getting exposed all you you don't want to do that So when you keep bringing these safety's down there in inside the box and whatnot You keep bringing them a lot around a lot of scrimmage.   You're gonna blitz. It's like I feel like you just yeah when it works It works and that's a beautiful thing But it also runs the risk of exposing your guys a lot which they have been exposed a lot this year Teams have shown they're not afraid of maulin Humphrey anymore. They will go right at him Sometimes he'll make the play now. Sometimes he won't like even the other night against the Dolphins To what jacobi said they were going at Jalen Wildover maulin Humphrey and they were winning a lot of times It was Mike jisiki. He they tried it. He ain't when but teams are going at maulin Humphrey They're not scared like you would think I Anthony avid. Oh boy This is gonna be a year for him because teams are going to go at him like no They still been going at maulin Humphrey more than ever so when you When maulin Humphrey doesn't have any help behind them like of course you want maulin Humphrey to do his thing But it would be nice if he had some help too if somebody's struggling You got to put them in a position to where they have help where it's not just them So I just feel like that in my opinion that has been one of the biggest issues this year with With wink in my opinion that it's just been guys have not been put in positions to succeed Now it's not all on him because wink ain't out there missing tackles He certainly wasn't out there enough in the beginning of the season missing all them tackles. Nope. That wasn't on him at all But then went with with these blown coverages and whatnot. I just I don't even know who that song Whether that's on him or that's on the players or some extra both. I don't know for that part But I just feel like I feel like he could definitely be a little better next question came from a boy Joshua B No speaking of defense. He said what's up in great even hope you day is going good in the family He's good. I noticed that we are not using Jimmy Smith as much anymore in the Vikings game I don't think I saw him in that corner or safety I saw him a couple times last night in the Dolphins game But I think we can and should use him more when Tavon Young was questionable coming back We used Chris Westree and not Jimmy Smith in that safety even though Brandon had a good game I still think we could have had Jimmy on the field for his veteran presence and knowledge What do you think? Thanks for reading this and can't wait for the next video. Stay safe Josh. We appreciate that Josh That is a really good question that I know a lot of us have been wondering like what is going on with Jimmy Smith? Because he just hasn't been out there much. I don't know if he's still injured I don't know if he's dealing with something. I don't know if the Ravens are just like, uh, we just don't want to rescue the injury.   I think my guy Nick the other day And he was asking the same question and I was like, maybe maybe they just preserving him for the long run I just don't know and he said preserving him for what? And he answered me just like that. I don't know I don't know But the the whole jimmy smith thing is a very very good question that I I do not have the answer to at all Next question came from my god dawg and he said ain't graven. Hope all is well with you and the family I try to make this short. I remember over the past year So fans have almost been begging for the Ravens to incorporate more screens and short passes into the game plan Hello, now it seems they finally started running them more but maybe a little too much Yes, uh in the last two games, they would throw a screen on third and tens basically Stifling the drive, but maybe it's just me. What do you think? Oh, no, it's not just you my friend Dallin is not just you that's uh been something that has just been It's like greg roman here He heard us talking about the screens and he was like, oh you want screens? I'ma give you more screens There you go. Take them all third and in India and I feel like on third and 10 like against the dolphins That's why I say dolphins had the ravens shook Their defense had ravens often shook because the fact that you throwing these screens on on third and long And you doing it over and over again. It's not working. I respect you for trying but After a couple of them you like, okay, let's scratch that because it ain't been working But you try over and over and over and over and over and over again And it's it's almost like the ma there was some points where he was just he had to get the ball out so quick Because he was so used to the dolphins defense getting there like that So dolphins defense did a phenomenal job of having his whole ravens offense shook They were shooketh in their booties But anyway, um That that It's it's all about balance. Uh, it's it's it's all about just some consistency Uh, and it's all about right right right time right place And for all the screens that the ravens were doing on uh, Thursday night against the dolphins It was not not right time right place. Uh at all it it was a whole lot of screens. Oh big yikes. Um So it's it's about doing doing it when the time is right and and and no you don't want to do it in a predictable way Anything like that, but you got to recognize like hey, this ain't that right now, man This ain't it, but yeah, it was certainly a overload of screens. Uh against the dolphins next question came from my guy Oh chapel. He said what's up engraving over the famous doing good Now there was a live stream where we were streaming and he kept spamming batman batman batman batman So I had a time I'm out. I'm like, man, you ain't got to do all that spam And we see we see it after the first time But anyway, he said, uh, I didn't mean any harm when I was spamming that I'm just big on batman The guy is special. He played the last two drives only in the second half and led the team in yards Hollywood dropped us out the game. I think batman deserves a shot at wide receiver one What do you think if you don't mind me asking and ps I didn't mean it Uh, that this is where the real fans come come. I needed to let it out my bad. Okay. It's all good, man. Anyway, um I feel like we we have three Wide receiver ones on a team Um, we know what semi walkings can do when he's healthy like that game against the dolphins Oh, and I was actually talking to a uh, a chiefs fan in the comment section Um of a video, uh recent video. He said, oh man, sammy's washed. He's washed I said, no, well, hold up. Did I say a chiefs fan? I hope I said chiefs fan If I if I didn't say chiefs fan, I meant chiefs fan So I was talking to a chiefs fan and he was like, oh sammy's washed I said, no, no, he's not washed and the guy was like, oh, what how many games has he missed for y'all? And then he then he fumbled against the dolphins. He's washed And I said so I said injury prone. Yes, but that's what we all expected. We knew that going into it But I said a fumble in a game It does not make somebody washed And I said sammy walkings had actually been doing pretty good for us this season overall Because he had been and he had opened up so much for hollywood brown And then allowed hollywood to be better too. And he sort of let hollywood take the lead almost And it's it's like so I know wash no Engine hurt. Yeah, but wash no So with uh sammy walkings hollywood with bateman, we got a nice trio But we just want to see them all used effectively and efficiently The way that uh with rashaab bateman It wasn't hollywood's night on on against the dolphins at all. He had a pretty bad night He had drops he just It was not a good night for him at all But bateman on the other hand bateman was looking a lot better And it's nice when you have you can bounce off of guys like hey if one guy ain't doing so good one night All right, you go to the other one if the other guy ain't doing so good one Okay, you go to the other one But you hope that both of them can do well every night, but it just doesn't happen like that So with uh with walkings it wasn't his night with hollywood It wasn't his night. I guess that all the floater boys are just off that night So yeah, I do think bateman should have been featured more and he should continue to be featured a lot Because he's nice. He's nice and he is in a fair already. So yeah, I agree with you Next question came from my guy Fernando. He said ain't graven. I love watching Raven's content You and one of my go-tos I understand that you've been playing in the game for the dolphins But man, I missed your live stream big today on the night that the dolphins played the ravens Every time the ravens have been down this he always turned up your live stream to grief together as a community Yeah, we we do do that. That's true. We can all be sad together when the ravens lose Especially depending on how they lose. But anyway, he said sadly enough though, you didn't have one this week I am kind of superstitious and every time I have you on in the background We always find a way to win a coincidentally we didn't against the dolphins I believe it is due to all the haters last trolls jinxing it out the way I understand you can't live stream in the loud crowd. I just wanted to let you know how much you have missed Thank you Pete. Thank you for your content um, well first I appreciate it. I'm glad you enjoyed the uh, the live streams and we have a lot of fun in the live streams Whether the ravens win whether the ravens lose is obviously a lot more fun when they win um, but think about This why uh, my my live streams, they don't have anything to do with the ravens winning or losing Any commentators or fans or trolls like you said jinxing it. No, no such thing as jinxing They don't have anything to do with it. If the ravens win or lose Um, because think about it like we we stream we stream the raiders game week one of the season Ravens lost We stream that bingles game a couple weeks ago Ravens lost We stream week two would beat the chiefs. We stream the lions game We stream other games the charges game with a raven. So it's it's not any old When you stream we win or when you stream we lose. No, it ain't got nothing to do with me Whatever games the ravens gonna win they gonna win whatever games ravens gonna lose they gonna lose Um, but yeah, it is nice that we can all like again. We can we can all enjoy the moments together Um, because that that that special and it's fun um now He also asked how are you feeling about this squad after this game all the late wins keep me hopeful until of course they lose I like that, um They they just got a bounce back They they got a bounce back the day that i'm recording this is uh Wednesday, november 17th and lamar He missed practice today due to sickness now. We know every time lamar misses practice due to sickness Oh, the the the next game. He's on fire So bears they better watch out because it's by the beat bounce back season And the last question on this episode came from a boy, uh, big drizzly He said Hey, graven I just want to say I love your channel been watching for a while and you shout out my comments I had a few time on your live stream and it made me feel even that much more involved So thank you for that really appreciated. No, I appreciate you If you comment in the live streams or sending question from subscribers, you're part of this like this is team keep it clean Not I keep it clean not me keep it clean It's we keep it clean because we team keep it clean, but I appreciate you man. He said Um, how do you think playing three games within seven days vikings last sunday? They might be thursday and now the bears this sunday That's not three games within seven days. Is it i'm pretty sure it's not No, that's not no, no, no, it's it's not that's no it's that's impossible Um, because now I gotta pull out a calendar because I know it's not but I gotta see it for myself that it's not All right, so today's the 17th. We played on the 11th So we played but before then we played on the 7th. That was the vikings on the 7th It was dolphins on the 11th. Then we got that 10 day break And then we play again on the 21st. So I just had to clear that up um, anyway He said how do you think that many games back to back is going to affect our team mentally and physically and how do you predict We will play against the bears. Thanks for taking the time to answer my question I hope to hear the next episode and sorry it was so long. I know I saw a good man All right, so yeah the schedule. No, that that wasn't the schedule They they had to play all those games in all those days Well in that limited amount of days, but now it's it's about the bounce back You this was supposed to might be dolphins game was supposed to be a gimme Uh, but the ravens were like here you have it. Uh, but it's it's all good It happens and then when you look around the whole nfl you look everybody fell for the trap everybody did um when you uh Ravens, I didn't realize but I guess when they talked about the record, um this week Ravens have never won a game in Chicago I do remember the last time we played Chicago in Chicago That was that game that I think got delayed by like Two hours.  Um And the ravens end up losing like at the very end too. So the game was long I think that might have been the longest game I've ever been a part of man I'll ever watch not been a part of but because Superbowl was long I think that game against the bears was longer than the Superbowl though I forgot what the weather was in Chicago But there's something crazy in that they had to delay it. Like I said, oh man, I think took forever I remember I was watching at the sports bar So like it would have been one thing if I would have been able to watch it From the crib, but I had to watch it from a sports bar.  Okay. I get some more fries. Okay. I eat a little bit more here and there but anyway um I think that they I mean they ain't got no choice but to bounce back because If you lose against the bears too, then you're just allowing everybody in your division to creep on up And right now you're sitting at a not necessarily a sweet spot But a good see is first in your division despite losing to the dolphins You could have took a commanding lead in the division, but you decided you want to lose to the dolphins Okay, cool. You make mistakes stuff happens um So now ravens just you got to get focused because they will really have no excuse because this is almost like a bye week Because you just played on a thursday and now you have a whole 10 days to be off A whole 10 days to be off and this kind of um It kind of sort of matches you up with the bears Because the bears they were on a bye week.  So it's sort of levels out the playing field a bit Uh, so that's something important to uh to to keep in mind But the ravens they they have to be on point It's so important that they start off strong. It's up because this bears team they got confidence Because they saw what what happened in that stealers game. They like, oh man. Yeah, we end up blowing it We end up coming up short, but still They took it to the stealers and the stealers really only won because all them bad calls Like the the refs and nfl were like, no, ain't no way we about to let bears upset these stealers. Oh, no, it ain't happening tonight So the the bears could have got it But there was a lot of okie dokie going on that night a whole lot So bears know that they can hang so they already got some confidence and now they got all this time of game Even though I think the the record is something it's like bears are like Ah, I forgot since when but they said they're like oh and seven coming off a bye something crazy Something crazy, but I'm like, oh big yikes Hopefully that record doesn't get broken, but it gets extended So we'll see but I do expect the ravens to to bounce back Um and really just right the ship like right away And it starts with Chicago


Is beauty only skin deep? There might not be a universal answer to this question, but research in psychology clearly shows that it's not just a beautiful face that makes us attractive. Our personality, behavior, attitudes, they all create a constellation of traits that influence how others see us, but no matter if you're as pretty as a picture, some not-so-pretty habits could make people look away. What are those habits that might make you seem unattractive? Keep watching to find out! I'll go next time! Some days you just don't feel like being social. Like, at all.  Maybe the introvert in you is having an extra hard day, or you just want to watch Netflix by yourself. And that's totally fine, but what if it happens too often? Social psychology suggests that avoiding spending time with others is not a good strategy if you'd like to be attractive. According to the mere exposure effect, we tend to prefer things we see often. In a classic 1992 experiment, students who attended class more often were more liked by their colleagues simply because they were seen more often. There's also the principle of proximity liking. It means that we tend to become fond of others when we have repeated contact with them. A 2008 research study published in Psychological Science found that students who sit next to each other in class are more likely to become friends. Bottom line, don't reject that coffee next time you're invited. Look at me! Being confident is certainly something to strive for, but being overly confident? Maybe not so much. Psychotherapist Richard Jolson said in an article for Psychology Today that we tend to think of people who boast as arrogant, self preoccupied, or even insecure. So if you can't stop talking about your achievements or success, you may unintentionally come off as full of yourself. A 2014 study published in the Journal of Positive Psychology had two groups of people read descriptions of hypothetical students. Some descriptions were confident, but humble. For example, I'm a pretty good student, but not a bookworm. Other people say I'm smart, but I don't like the attention. And others showed a bit of a boasting vibe. I'm a really good student, and pretty smart, but definitely not a nerd or bookworm. I guess it just comes naturally. Later in the experiment, participants showed greater interest in starting a relationship with students whose descriptions appeared more humble, so make sure you don't brag too much in front of others. It may sound just a bit off-putting. 2am club. Zero-night time routine consists of scrolling through TikTok or watching YouTube videos until 2am, then trying to silently make popcorn followed by a few episodes of your favorite show. If this sounds like you, you should maybe rethink this habit. Research published in the journal BMJ in 2010 investigated the attractiveness of sleep-deprived individuals. The researchers took photos of two groups of people, those who'd slept for eight hours the night before, and the sleep-deprived one who hadn't slept in 31 hours. Participants of the study then had to rate those photos. As expected, they rated the sleep-deprived people as looking less healthy and less attractive. It seems like skimping on sleep won't get you that date. Glass half empty. We all get sucked into a state of pessimism from time to time. Talking about how you feel can make you feel relieved in a way. But is this habit viewed as attractive? Well, not so much. In 2007, German researchers developed a study in which they had participants listen to some tape-recorded conversations. The tapes had optimistic, realistic, and pessimistic people talking about how they were dealing with stressful situations. After listening, participants filled out a questionnaire in which they evaluated the personality and attractiveness of the people they'd listened to. The results showed that if they listened to optimistic and realistic people, they viewed them much more favorably than pessimistic ones. So even if you're not the most optimistic and cheerful person, finding a balance between black and white by being at least realistic could make you seem more attractive than simply indulging in negativity. Non-pickup lines. Is it sexy to be sexist? This is how researchers named their 2020 study published in the journal Personal Relationships. And the answer? It's a clear no. The study showed that sexist humor, when directed to the opposite gender, comes off as unattractive and even aggressive. Even if you don't mean it in a bad way, joking about gender stereotypes or gender roles can make the other person roll their eyes cringe and try to get as far away from you as possible. That doesn't mean you shouldn't ever joke, of course. Just make sure your jokes are tasteful and not hurting any group of people. Do you recognize some of these behaviors in yourself? If you do, don't worry. Every day is a new opportunity to learn and grow.  But most importantly, it would make you feel great in your own skin. You can check out older videos to learn about 10 surprising habits that make you more attractive. And remember, no matter what, Si thinks you're a real treat. And don't ever forget, you matter.


While the recent warm-up across the state has made conditions just right for a round of golf, and this week's Northwood's adventure, our Josh Peterson takes us to the Bemidji Town and Country Club for the season's first tee-off. The view from the lake may tell a different story, but across the road at the Bemidji Town and Country Club, the time is just right for a round of golf. In the past, starting in April is part of the course, but as of Saturday, the season was in full swing. I think everyone's very excited to get out. It's been a long winter and a real slow start to spring here with the tough April, but everyone's excited to get going to the golf course with a sport-like golf. Everything is extremely dependent on the weather, but in fact, just one week ago, this entire course was still covered with snow. Actually, that's the only reason we were able to open up as early as we did, was just the change that we saw basically from last Sunday through Thursday. Some of the very first golfers to tee-off this season was from a group known as the Insomniacs, who throughout the golf season hit the course first thing in the morning. Well, they call us the Insomniacs because we come out and usually have the first tee-off time and there's any of maybe 20 guys that might show up, but it's usually two or three foursums. Conditions throughout the course vary this time of year, but it won't take long for the Country Club to get into the swing of things. We're just getting going. We're always a little bit nervous coming out of winter, how the turf is going to fare, but we're very optimistic. We have one green that we're doing a little bit of work on, but outside of that the golf course came through that winter months in very good condition. But for these golfers, it doesn't matter the time of year. As long as good friends are involved, the sport is always fun. Well, I just love playing golf first off. I like the camaraderie of a number of guys I play with and I play with quite a few guys over the year. As the signs of winter fade away, making room for the blooming buds of spring, golf courses across the region will continue to see a steady sea of traffic over the next several months. With this week's Northwoods Adventure in Bemidji, Josh Peterson, Lakeland News. If you enjoyed this segment of Lakeland News, please consider making a tax-deductible contribution to Lakeland PBS.


I'm in a weird mood today. I hope to you guys, welcome to my channel, if you're new here, hi, hello, my name is Lydia and I make mental health videos in here, I'm pretty much every day. Today I'm doing a Q&A slash assumption video. I asked everyone on Instagram and Twitter for some questions and you guys came through. Wow, this question, this question, do you ever find you're ever narcissistic when it comes to filming? No, I don't think I am. Am I? Am I? I don't think I am. I am, I don't mean to cross like that. Do you ever sometimes enjoy the intention you get from your illnesses? No, hate it. Because like when you're walking in the street on a crotch and someone's like, why do you need that? It's like, that's the like, that feels like it's the only thing people ever notice about that. And it's like, oh, I'm sorry or you're struggling. I'm so sorry. You're ill. I'm so sorry. All you hear all the time is, I'm sorry. You know, yeah, it's unfortunate, but there's so much more to me than my illness. That's why I'm trying to make this channel show, like I know a lot of my life and a lot of my time goes into my health and working on my health and appointments and all of this. I know I said once that I enjoy. How's your day? Well, here's a bit of vlog. I'm just using this rug as a blanket until we put it on the floor. Oh well, you've got a nice background as well. Oh. Like, you look swell cool. Oh, does it? You have half a gift. Half a gift. No, open me first. It's another little mini self-care box. Oh, that's cute. I love the foam stuff. Oh, oh, that's so cute. Because you know, we both like colouring. We do. And then that's the rest of the collection. That's the collection. Just lots of little notes. The limit of the heart is don't know really.   Your blood pressure is systolic, 64 millimetre of mercury, diastolic, 39 millimetre of mercury. Your pulse was 102. Hey, who knew at that? That's how many it is. More assumptions. We have some assumptions, guys. Assumptions! Care more about your friends than you do yourself. You can't go into uni due to mental health. You'll have to drop out. No. My university are very understanding. The fact that I have very intense anxiety and mental health issues. And because I have already done an issue over this degree, I am able to do the work from home. I've actually finished now until January, pretty much. I just need to film one more thing and then I'm done. And I'll get it done. It's not due until January. I'm good. And then in January I am planning on going back into uni. I just need, like, this month to work on myself. Another question is, what does a mental health nurse or practitioner do for a patient? It depends on the circumstances, the team, what you're being treated for, your diagnosis, your medication. For me, I'm under the home treatment team at this current moment in time and I see a different person every time they come out. They monitor overall stability and whether or not I'm taking my medication, whether I'm sleeping, whether I'm eating, I'm showering, how I'm dealing with things. They just ask basic questions and that's it for me. Under a community mental health team, it's more of a longer term thing. So they ask long term questions. Home treatment teams are short term and they are literally there for short term use. Do you have any chronic illnesses? So I'm diagnosed with arthritis. They are currently looking into hots, which is a tachycardia condition. Makes sense with a lot of my go through. And me and Becca was discussing something earlier that I don't know, I don't know if I'm getting criteria for it or not. I'm going to mention it to my GP and then that'll become a thing. It is a chronic condition. I have ongoing heart problems. I used to have seizures as a kid. I have damaged ligament in my ankle, so I can't walk below. Because I have arthritis. Arthritis is horrible. I won't watch out on anyone. Did you feel like you couldn't take your meds again after an overdose? I couldn't after a while. I can't swallow capsules and I can't take parts of the I have a lot of anxiety around medication anyway. So when I'm taking my medication, I have anxiety about taking the medication because I'm scared of getting stuck in my throat and even though it's just as old. That's why I can't take capsules. After my last overdose, honestly, I couldn't take another one. I haven't even spoke about the last overdose because it happened while I was in hospital. I'm just not ready to talk about that one. Overall, no. It didn't really impact when I could take meds or not. Are you planning any meet and greet in the future? I love meeting people. Despite all my anxiety and everything else, I absolutely love meeting people. When I've traveled around the UK making friends with people that watch my videos, it's been incredible and I've made so many like long friends from YouTube. So, oh yeah, I want to do meet and greets. But I wonder, I couldn't do like a big meet and greet. It has to be like what's my people at the time?  I don't know. But yes, I am. Probably in the new year now. Skulls, skulls, skulls, skulls. Skulls, skulls. How do you balance mental health and uni? I don't. So a really bad thing that I do is I prioritise my studies over everything. I hate this thing about me. I literally hate it. And if I could, it could not do it. I would give anything to not do. I prioritise my education above everything. I always have. At the moment, I'm getting a first in uni and I don't even go in. I'm getting a first in every assignment I've had a day.  I'll just miss a dose of my medication because I don't want to sleep, I need to do my work.  Or, and then I just stopped taking it and my mental health just deteriorates. I have no skills at balancing my mental health when it comes to uni. I'm not the best one to go into advice with that. Hi, just a plan to say hello. Hello. Hello, Lord of Cowles. Like, you know, how have you been doing since leaving hospital? I've been doing really well, actually.  I'm not as depressed as I was. It's like, I'm not as, I'm not so excited at all. That is to that's biggest difference. Apart from anything but here, if you could have been in the world, where would it be? I would like to live in New Zealand. I think it is such an interesting country and I'd love to live there. So that's all the questions I could find for this video. My camera's about to run out of storage anyway. So thank you for watching this video. If you do have any questions, please leave them in the comments down below and I will try to answer them as soon as I can. Have any video requests? Leave them in the comments below. If you have anything you'd like to say, comment on or add to anything I have said in the video. Also, add that in the comments down below. If you are new, subscribe and I'll see you guys tomorrow with a new video. Peace.


We live in a world that exhibits extraordinary levels of order and organization on all levels from the smallest molecules to human social organization to the entire universe. And we might say that it's the job of the enterprise of science to try and understand this extraordinary order and organization that we see in the world around us. And in many ways, we've been very successful in the past few hundred years in making progress in this project. We understand the workings of the atom, the structure of DNA, we understand the origins of the universe, how galaxies form and the precise elliptical orbit of the Earth around the Sun. But what all these systems that we've been so good at describing and predicting have in common is that they are inert. What I mean by this is that they do not have any degree of autonomous adaptive capacity. Here we can make a fundamental distinction between those systems that are composed of inert elements and those that are composed of adaptive elements. Because these inert systems that are studied in physics and chemistry do not have adaptive capacity, we can describe them through a single global rule. We can write equations about how chemical elements will react when combined or how the solar system will change over time according to a set of differential equations in a deterministic fashion. Unfortunately though, this approach does not work when dealing with systems that are composed of adaptive elements that are non-deterministic in their behavior. Adaptation gives the elements in the system the capacity to respond in different ways depending on the local information they receive and the overall organization that forms is in fact not a product of a global rule like we might have for a chemical reaction but instead is a product of how these adaptive agents respond to each other. With these adaptive systems, the overall makeup of the organization is not necessarily defined by a top-down rule but may emerge out of how the elements adapt and respond to each other locally. There is no algebraic or differential equation to describe how international politics works, why families fall apart or the success of a business in a market. The overall workings of these adaptive systems is an emergent phenomena of the local rules and interdependencies. It is these systems composed of adaptive agents that are interdependent that Game Theory tries to understand a model. A game is a system where an adaptive agents are interdependent in affecting each other and the overall outcome. Game Theory is the mathematical modeling of such systems. These adaptive systems are pervasive in our world from cities and traffic to economies, financial markets, social networks, ecosystems, politics and business. The central ingredients of these systems is that of agents and interdependence. Without either of these elements, we do not have a game if the elements did not have agency and the capacity for adaptation, they would have no choices and we would have a deterministic system. Likewise, if they were not interdependent, then they would not form some combined organization and we would then study them in isolation, in which case likewise, we would not have a game. Games are formed out of the interdependencies between adaptive agents. So what is an adaptive agent? An agent is any entity that has what we call agency. Agency is the capacity to make choices based upon information and act upon those choices autonomously to affect the state of their environments. Examples of agents include social agents such as individual human beings, businesses, governments, etc. They may be biological agents such as bacteria, plants or animals. They may also be technologies such as robots or algorithms of various kind. All of these adaptive systems regulate some process and they are designed to maintain and develop their structure and functioning. For example, plants process light and other nutrients and their adaptive capacity enables them to alter their state so as to intercept more of these resources. The same is true for bacteria and animals. The same is true for a basketball team or a business. They all have some conception of value that represents whatever is the resource that they require whether this is sunlight, fuel, food, money, etc. This creates what we can call a value system. That is to say, whatever structure or process they're trying to develop forms the basis for their conception of value and they use their agency to act and make choices in the world to improve their status with respect to whatever it is they value. As we can see, this conception of value is highly abstract and as we'll discuss in a future module this value system can be very simple or very complex but it forms the foundations to what we're dealing with when talking about adaptive agents and games. You can't model a game without understanding what the agents value and the better you understand what they really value and incorporate that into the model, the better the model will be. Thus, agents can also be defined by what we call goal-orientated behavior. They have some model as to what they value and they take actions to affect their environment in order to achieve more of whatever is defined as value. In game theory, a game is any context within which adaptive agents interact and in so doing become interdependent. Interdependence means that the values associated with some property of one element becomes correlated with those of another. In this context, it means that the goal attainment of one agent becomes correlated with that of others. The value or payoff to one agent in the interaction becomes associated with that of the others and this gives us what we call a game wherein agents have a value system. They can make choices and take actions that affect others and the outcome to those interactions will have a certain payoff for all the agents involved. A game then, being a very abstract model, can be applied to many circumstances of interest to researchers and it has become a mainstream tool within the social sciences of economics, political science and sociology but also in biology and computer science. The trade negotiations between two nations can be modeled as a game. The interaction of businesses within a market is a type of game. The different strategies adopted by creatures in an ecosystem can be seen as a game. The interaction between a seller and a buyer as they haggle over the price of an item is a form of game. The provision of public goods and the formation of organizations can be seen as games. Likewise, the routing of internet traffic and the interaction between financial algorithms are also games. To quickly take a simple, concrete example of a game let's think about the current situation with respect to international politics and climate change. In this game we have all of the world's countries and all countries will benefit from a stable climate but it requires them to cooperate and all pay the price of reducing emissions in order to achieve this. Although this cooperative outcome would be best for all it is in fact in the interest of any nation state to defect on their commitments as they would then get the benefit of others reducing their pollution without having to pay the cost of reducing their own emissions. Because in this game it is in the private interest of each to defect in the absence of some overall coordination mechanism the best strategy for an agent to adopt given only their own cost benefit analysis is to defect thus all will defect and we will get the worst outcome for the overall system. This game is called the Prisoner's Dilemma and it is the classical example given of a game because it captures in very simplified terms the core dynamic between cooperation and competition that is at the heart of almost all situations of interdependency between adaptive agents. In the interdependence between agents there comes to form two different levels to the system the macro level where they are all combined and have to work cooperatively to achieve an overall successful outcome and the micro level where in we have individual agents pursuing their own agendas according to their own cost benefit analysis it is precisely because the rules and dynamics that govern the whole and those that govern the parts are not aligned that we get this core constraint between cooperation and competition. This is what is called the social dilemma and it can be stated very simply what is rational for the individual is irrational for the whole if you do what is rational according to the rules of the macro level to achieve cooperation then you'll be operating in a way that is irrational to the rules of the micro level and vice versa. If either of these dimensions to the system was removed then we would not have this core constraint were not interdependent within the whole organization then there would be no macro level dynamic and the set of parts would be simply governed by the rules of the agents locally. Equally if each agent always acted in the interests of the whole without regard for their own cost benefit analysis then again we could do away with the rules governing the micro level and we would simply have one set of rules governing the whole organization and thus there would be no core dynamic of interest things would be very simple and straightforward the complexity arises out of the interaction between these two different rule sets and trying to resolve it by aligning the interests of the individual with those of the whole. So in this video we've given an outline to what game theory is talking about it as a study of situations of interdependence between adaptive agents and how these interdependencies create the core dynamic of cooperation and competition that is of central interest to many. In the coming videos in this section we'll talk about the different elements involved in games and the different types of games we might encounter.