Thứ Tư, 7 tháng 3, 2018

Waching daily Mar 7 2018

My name is Luke O'Shea

And I'm from Melbourne, Australia.

I discovered Wim Hof in 2015

From the VICE documentary

Shortly after I downloaded the 10-week online course

And now I'm here.

What attracted me to Wim Hof it was

Who is this crazy guy doing all these amazing feats of endurance in the cold?

And then I started researching his story, you know, with his ex-wife

That really resonated with me.

I went through a pretty messy divorce

With two kids involved and I went down

Some wrong paths, with drug addiction and depression, anxiety

My health was suffering

My family relationships were suffering

Everything was, you know, collapsing before me

You know, with the Wim Hod Method that sort of turned everything around.

First time I tried the breathing experience

I never have felt like this for as long as I remember

I felt this calm and

Power and strength

Which I hadn't had for a very long time in my life, control.

The ice baths are my favourite!

It sounds crazy, but it really just gives me

Focus and strength

I get distracted very easily

From life and as soon as you're in the ice bath

You have no choice but

To really focus on your mind and being strong.

It gives me power like I've never had before!

The 10-week course was challenging at first.

I think as I got through the first week I just

You know, I got stronger and stronger, and I

I started to love the ice showers.

I started to love this part of my day where I'd put aside this time

I just have a renewed energy for life

Which was missing for a long time.

The Wim Hof Method influenced everything in my daily life.

I spend half an hour every morning doing the breathing

Doing push-ups, doing the stretching

And finishing it off with

An ice-cold shower.

Every day I'm ready to go.

I just want to go out and attack the day like I never have before.

I'm not scared of anything, I'm not scared of confrontation anymore.

Yeah, it's changed everything.

The Poland expedition has been probably

One of the greatest experiences in my life!

Just to be able to share my journey

With many other people who are on their own journeys

As part of this Wim Hof tribe

It's been amazing, you know

We all look after each other and to me when I'm off was the ultimate for me

Because I feel he saved my life!

If you haven't tried the Poland experience

I would recommend it 100%

You will find your tribe

And a new family

And yeah

I cannot recommend it any more!

For more infomation >> "I have renewed energy for life!" | Wim Hof Method - Duration: 3:29.

-------------------------------------------

How to Compete for Top Tech Talent in an Employee's Market - Duration: 11:34.

Welcome to another issue of the Ship It Show. Today we're going to

be talking a little bit about employer branding and how companies can recruit

top talent to their team and help augment the team that they already have

or supplement the team that they already have.

I'm here with Jenny Chynoweth, from Kohr Consulting, an absolutely magnificent

talent acquisition consultant available to you if you need her services. You have

a website? Jenny: I do. It's not quite up and running, but it'll be ready soon. It's

kohrconsulting.com. Rob: Great, so we were talking just before we

got in the studio about three things that you could do if you are a leader

who's used to working in a technical recruiting environment. So if you come

from a company that does a lot of technical recruiting and you're moving

into a company that doesn't have as much capability within the recruiting

pipeline, the technical recruiting pipeline. We were talking about three

quick wins that you could get, or three things that you can do to very quickly

improve your chances of success in recruiting some some top talent. So the

first one was really thinking about setting an SLA for responsiveness. You

had some thoughts on how that's different in tech and the expectation

level for tech candidates. Jenny: Yeah, I'm actually dealing with that

right now. One of my clients is a toy manufacturer, and I have come to them

recently. I've been with them for about amonth. Having worked

for startups, working at Amazon for seven years,

coming into this environment and realizing they had one recruiter...

I think they hadn't really formed an applicant tracking system, no way to

track the candidates. There was a lot of confusion that was going on with their

recruitment programs. So for the past month or so I've been trying to build a

process for them and implement some SLAs, which are service level agreements.

So coming up with timelines and expectations for how quickly you have to

move on candidates in this market. You have to move quickly or

they're going to go away. Rob: And what are those expectations?

If I email or I apply for a job or I follow up with a question or whatever,

how responsive does the market expect a top-tier

employer to be? Jenny: I think it's imperative that every company have an

applicant tracking system that works, that's functioning. As soon as you

apply for a position—and we've all been there on the other side as a candidate,

wondering, 'What's going on with my application? I have no idea what's

going on.' So I believe that every candidate should receive an

automatic email that says, 'We got your application. Thank you. We'll be looking

at it. We'll let you know.' My rule of thumb is a SLA of 48 hours on turnaround.

So that candidate should hear back within 48 business hours, whether or

not we're gonna move forward in the process with a phone screen or if, 'We are

sorry, this isn't a fit. But we'll keep your information on hand, and there may

be something in the future.' So 48 hours to reply to them. And then I

want to make sure that that conversation happens within that workweek as well.

Because, again, if we don't get these candidates going through the pipeline

quickly, they're gonna go away Rob: Right, other people are gonna

take them from you or they're going to lose the attention

on your company. You talked a lot about candidate

experience. There's a lot of discussion around customer experience

and how companies have set the bar for an order email and

making sure that their customer service is responsive. And if you have an issue,

people get back to you. I like the way that you think about that in terms

of a candidate experience. You wouldn't wait two days to tell someone

that they placed an order on your website. But some some companies

are so backed up—and it's not their fault, they just don't have the system in

place—that it takes even two weeks to get back to

a candidate and say, 'Hey, we got your resume.' I like the way that you think

about that candidate experience. Jenny: We have a 4.4%

unemployment rate in Washington State, which is one of the lowest in

history right now. So candidates are going to find a job somewhere if you

don't move fast enough. If you're the last person to reach out to them, you're

the last person that they're going to think about as an employer. So it's not

only moving quickly but also

treating them with kindness and respect. I think a lot of that gets lost in the

recruiting process as well. That whole experience is just really about

realizing these are humans. I've had hiring managers in the past that have

laughed and torn a resume up and thrown it into the waste can,

thinking it's really funny. And inside I'm dying because that

is a human being that you're talking about. So let's treat it

with a little bit more respect than what you've just done. Rob: The

next one we talked about was expectations of the size of the funnel.

I found this pretty impressive that

you have these numbers memorized, but it was 1,000 outreaches at the top, a

hundred applicants, so that's 1 in 10. And then 25 phone screens, so one in four end

up in a phone screen with a recruiter. And then the recruiter passes

on five of those to the hiring manager to screen, of which you get two to three

interviews. And then you get one hire. So at the top of that

funnel, that's a thousand touches. Jenny: So that can be anything

from posting the position, and it reaches a thousand different people, or

you get on LinkedIn and reach out to people.

Or you're using some more creative outreach methods. Github is a great

place to get tech people. Or Stack Overflow. Look who's making the comments

and reach out to them. Find their Twitter handle and tweet at them. There's a

variety. Find out who are the speakers at a conference that you're really excited

about attending. If you're looking for a Ruby on Rails engineer, go and look at

the last Ruby on Rails conference and see who spoke there. You can track down

their email address or their Twitter handle or what have you. But a

thousand of those outreaches—they're not gonna all get back to you—but you'll

eventually narrow it down to about a hundred. And out of that hundred, you

trickle down to a hire out of the pipeline—in a perfect world.

Rob: It's a large volume. I think in other roles—

I don't have very much experience— but I know in executive roles,

you don't deal with that much volume. And certainly in other roles, people

are coming to you. And you're talking about ten applicants for every

one hire. It's very, very different in tech, because as you say,

it's a an employee's market. People can get four or five different job

offers. I always remember a bit of advice, which is, if you're an

applicant for a job, you're interviewing the company as much as they're interviewing you.

That matters for the candidate experience. That's the

your welcome to the company, whole recruiting

experience. And if it's a smooth flight and the company is responsive and

they're treating you with respect, it bodes well for your continued

relationship with a company. Jenny: Yeah and doing something creative.

So, for instance, I've worked at a company and ... You can't pay people to

come in and interview because they're not on your payroll. So we

would make a donation on their behalf to a nonprofit organization. That

basically said, 'Look, we know your time is valuable. So thank you for coming in. On

behalf of you, we're going to be donating $100 to XYZ Nonprofit

organization.' That kind of puts that personal touch on it like, 'Okay, you do

value my time. Rob: There's also finding ways to be creative like that at the

right point in the funnel. Because you can't do that for a thousand people

top of the funnel. So when you get down like, what can

you do at each step of the funnel or the pipeline that results in that little bit

of personalization? Jenny: Gosh, it can be just as simple

as listening to someone. Recruiters don't listen, and that's unfortunate, and

a lot of interviewers in general. So just showing an interest in what they have to

say. People are going to pick up on it, if you're not interested in what they have

to say. And if if they're not a fit, be honest with them. That's the other thing:

authenticity. Just being real with people goes a long

way, rather than someone that's trying to pretend that it's going to be great, and

then you find out you never were even a candidate for the role. So I think being

being truthful and honest is really helpful. Rob: It really is that focus on

candidate experience, when you think about it. And then the

last thing we talked about was who does what. In tech I think that's

very, very different. You're dealing with a hiring manager who is used to looking

at resumes, is used to screening people, is used to kind of massaging stuff. And

you're maybe telling with the recruitment team, who's used to doing all

that for the hiring manager and feels like that's where they add value. And also a

hiring manager that can look at a resume and say, 'There's just something wrong

with this resume. I can't tell you what it is.' So how does that

partnership work, and what are some tips for how to make sure that you're

interfacing well with each other and that you're helping each other get to

the right outcome? Jenny: I'm glad you said 'partnership' because that's always

been my philosophy as a recruiter. This is not about recruiting servicing

the hiring manager or the hiring manager creating roadblocks for recruiting. It's

about how we are going to achieve this goal together. This is something we both

want to accomplish, so how are we going to get there together. It

does change. So in in my perfect little philosophy of the

responsibility pipeline, the candidate applies for a role. There's a

recruiter interview that takes place, a phone screen. If that goes well, it goes

to the hiring manager for the phone screen. If the hiring manager goes well,

if it's a tech position we can maybe do a technical test. And then we bring

them on-site. They meet no more than four or five people. More than that is too

much. From there you can move into as far as

offer stage. Retail companies? Somebody that works at a

retail store in the mall, I read a Glassdoor review the other day

where the hiring manager or the manager of the the retail store brought in three

people and did a group interview with those three people at the food court. I

don't think that's the best experience. But if you are doing a mass hiring

like that, you get creative. Rob: Yes, it is very different when you're doing mass hiring,

when we're trying to interview a lot of candidates, versus when you're trying to

interview a few candidates. What I think is interesting is, the pipeline

numbers that you described earlier feel like mass hiring at the top of the

pipeline. But they feel like very, very high-touch hiring at the bottom of the

pipeline. So you have to kind of retool how you're thinking about that

and how your approach changes through the pipeline with candidates. Jenny: Definitely.

Rob: Well, thank you very much for coming. Jenny: Thanks for having me

I appreciate it. Rob: Thanks for watching. We'll see you next week.

For more infomation >> How to Compete for Top Tech Talent in an Employee's Market - Duration: 11:34.

-------------------------------------------

Texas AG to prosecute three Robstown residents for voter fraud - Duration: 1:54.

For more infomation >> Texas AG to prosecute three Robstown residents for voter fraud - Duration: 1:54.

-------------------------------------------

The Best Screen Recorder For Windows (2018) - Duration: 11:28.

I've been making screen recordings like this as tutorials for about the last

six months I have also been filming with my camera and filming with my phone and

I've been editing those as well I've uploaded about 150 videos to YouTube

originally I used this software open broadcaster software or OBS studio for

recording the videos and I used shotcut for editing them these are both free

software and these are the ones that everyone recommends if you don't want to

pay for it now the problem was that these have got kind of limitations not

limitations to how long and there's no adverts or anything like that but

there's some things that you can't do you can't put annotations or words on

the screen you can't transition between scenes you just have to cut them off and

then start again and it's also quite difficult to set up this OBS software

unless you're doing the whole screen the whole screen is quite easy but if you're

doing a certain area then it's just a little bit clunky or a little bit

awkward to do I'll put links to these two software below anyway in the description

and also to the one that I finally chose so what I did I decided that I wanted to

actually pay for the software because there wasn't a free one that did exactly

what I want and I looked at some articles including this one and this is

the top ten screen recording software for Windows so I downloaded all of them

and tested them all out and my decision in the end was Camtasia and they've got

it here Camtasia as their number one so they

also decided that it was the best one it's about one hundred and ninety nine

dollars and another choice I could have gone with the professionals use Adobe

but the problem there is that you pay every month

even if you don't use it you pay and if you still want to keep using it then

after ten months with Adobe you'll have paid the same as this

but you'll still be paying more whereas with this you'll have paid it off

already so I decided to go with this where I could actually buy the software

I've been using it for several months now maybe four or five months and I'm

really happy with it so I'll show you around the software so this is a short

recording that I just did quickly before making this recording I'm doing now and

it's just a cartoon because it's moving I thought that's a good idea and I've

got me here you can actually change the size of this

but I just made it a bit bigger so you could see it and I can play this so

let's just play it quickly this is just a demo video I'm making... okay so you

can see there that was just the recording of the screen and you've got

me here you can move this around this line to go forward or backward

you can cut bits out say there's something you don't want then you just

do this and you can press this here the scissors and it cuts it out I use

control Z to get it back again and you can also actually cut the whole thing so

you have to make sure that both of them are selected and then click this one and

it cuts them so you can see here that it cuts it and then I could delete that

side if I want I'm gonna control Z twice or three times just to get that

back again and carry on so I can look at one part so here if I click on this top

bit I can adjust this and if I click on the bottom one I can adjust this one

then I can also with this one here if I hold the Alt key I can just crop it so

remove the bit from the top there that I don't need and the bits from the left

and the right just to make it look better even from the bottom and then I

can move it to the corner maybe make it a bit smaller so that's what I normally

do and leave it a bit like that so you've just got a small picture of me in

the corner and then everything else there so as I say you can go forward and

backwards here then you can make this resized so at the moment everything fits

in here but I can zoom in like that and then I can be more careful about where I

cut it or I can zoom out so I see everything if we look at the buttons on

the left here you've got the media if I right click here I can import media so

this is my outro I could import that by double clicking I could also import

images and sound as well if I want to add that over here on the timeline then

I can put it here you can also move this on to different tracks so I can put this

on this track or I can put it on the top track if I put it over here then because

it's the top one it's the one that appears so if I move this line up as I

get to that one that's what will show here and that's useful if you have some

images or maybe if you want to cut over to another track and then come back

again you can do that I can make this smaller by grabbing the end and doing

that and sometimes that's useful if you've got some small Clips you want to

cut the end off it on the beginning and it will just tell you how long it is as

well so it's 5 seconds let's move it there in fact I'm gonna delete that

click the delete button some of the other things you can do are annotations

if I look at that then you can put this thing here do some typing you can go

over here and change the color of the text the color of the background and

also do a border on it a different color border you got different shapes

like you got this one you can also do this different colors you can change the

opacity of it if you don't want any background you can do that change the

opacity there the next one down let's just delete that and delete this one

you can also make these come on and off at different times so what I'll do because

this has actually got voice on it and here if I play this it's going to get

confusing because my voice is on here and this one as well if I right mouse I

can either separate the audio and video and delete it or I can edit the audio so

I'm going to edit it and make it quieter in fact turn it off there and do the

same with this one turn the sound off and then I'm going to bring this down here

just to show you if I bring the timeline before that one and then play then

you'll see there's nothing at the moment then this appears and it will stay on

there for five seconds and then come off again so you can do those annotations

the other things you can do at transitions say you've got two different

videos or you go from a video to an image then let's just add that other one

back again here I can use these transitions to go between one and

another so let's try this one and play it so you can see that just cuts from

one to another and there's so many different ones here you can flip you can

fold it over roll the page turn the page have a ripple effect like you're

dreaming slide it out slide it to the right do a spiral stretch it do a cube

dissolve it make a glow pixelate just everything that you could think of

really to cut from one scene to another so let's go to the next one you got

behaviors here you can do different things with the text coming in you can

do animations the most common one here you'd want to do is to zoom in let's

just try that let's say here we want to zoom in to this actually that's moving

too much we better not do that let's try a different one let's say we want to

zoom into this video so I can just do this zoom here and let's

just put it in the right place zoom in slightly more let's say there

and let's play it back you can adjust it by moving these arrows and I only want

to actually do it on this bottom one here I'm gonna delete the top because

that's me speaking I don't want to zoom into me speaking

I'll just leave that there and I just want to zoom in here let's just stretch

it a little bit and play it so that's useful if you want to demonstrate

something and just give a bit more detail it's quite good and it just makes

it more interesting when you're doing the video I don't actually use it that

much but I use it occasionally let's carry on so other

things you've got our cursor effects which I don't normally use and you can

narrate a voice to go along with something but I also don't use that some

of these that I do sometimes use is the visual effects here so I might want to

put a drop shadow on the text and the one that I do use sometimes is this

color adjustment sometimes to make it more colorful and also sometimes to give

it more contrast especially when I'm actually applying it

to me over here sometimes I want to just brighten me up or make it a bit more

contrast so that's it really you've got plenty of different things that you can

do with the video and you've got the timeline here which is great for

adjusting everything once you're happy with it you can just click here to share

make it a local file and then choose the size and also the format and things like

that so then that's ready to upload to YouTube or whatever you want to do with

it as I say I'm really pleased with this I've been using it for several

months and that's why I'm recommending it and I'll put a link to it down below

For more infomation >> The Best Screen Recorder For Windows (2018) - Duration: 11:28.

-------------------------------------------

How Many Trustees Can I Name for My Revocable Living Trust? - Duration: 1:36.

Today's question how many trustees can I name as trustee of my revocable living

trust the answer it depends you can name one two or more trustees if

you wish in general if you're a married couple we often the name both husband and

wife as initial trustees of the revocable living trust then if you

should die or become incapacitated you pick someone else to take over as

trustee when husband and wife are alive they often serve as co-trustee with

each having the power to act alone however after you die you can also name

co-trustees for instance if you want two of your children to act together as

trustee that's totally fine please be aware if you name them as co-trustees

talk with your attorney about whether they must act jointly or separately

there's pros and cons to each method and your attorney will be able to advise you

regarding your situation and which one is best if you wanted to name three

co-trustees you could even do that I caution against naming too many

co-trustees because of ease of administration concerns and remember if

you say they must act jointly they're all going to have to sign for each

action but in general it's up to you how many trustees to name and the right

answer depends on your specific situation.

Great question if this has been helpful please like comment and share this post

and feel free to submit your questions for future video blog question and answer

sessions.

For more infomation >> How Many Trustees Can I Name for My Revocable Living Trust? - Duration: 1:36.

-------------------------------------------

Ethiopian news | Dr. Tolesa Gudina: An important message for our nation and people - Duration: 26:43.

For more infomation >> Ethiopian news | Dr. Tolesa Gudina: An important message for our nation and people - Duration: 26:43.

-------------------------------------------

You Have A Saved Spot at a CSU- Associate Degree for Transfer - Duration: 1:44.

The stress of applying to a four-year university is unanimous.

They're very competitive universities.

Getting into the CSU system you're competing with hundreds of thousands of people.

The best part about the associate degree

for transfer program was guaranteed placement into a CSU.

Knowing that I had my spot saved at a CSU took off a lot of pressure.

It's a big relief to me and to probably everyone around me

because they didn't have to hear about me being nervous.

Much less stressful.

It allows you to focus more on what you want to study moving forward.

You have a guaranteed spot and you have their word when they say that this is the amount

of classes you're going to be taking.

You do kind of jump to the head of the line as long as you're doing your work.

You have a spot waiting for you at a four-year university.

You have your set core of classes that you need to take.

You have to have a minimum GPA.

It's important to apply to multiple CSUs because if your majors impacted,

you may not get into your first choice.

I started at Mira Costa College as a theater major and I'm so glad I did

because it has taught me so much about myself, about my industry and what to expect once I were

to transfer to Cal State Fullerton.

I would hope that you'd see me on Broadway in the future.

That's the ultimate like final career goal for me.

It was a huge deal to me that I got into CSU Fullerton

because it is such a prestigious art school.

I yelled in my car like I'm going to Fullerton and that was like my expression of joy

for that moment I was like okay now I got to go to work.

For more infomation >> You Have A Saved Spot at a CSU- Associate Degree for Transfer - Duration: 1:44.

-------------------------------------------

How to Draw Ice Cream for Kids | Coloring Hearts and Ice Cream Coloring Pages Learn Colors for Kids - Duration: 10:05.

How to Draw Ice Cream for Kids | Coloring Hearts and Ice Cream Coloring Pages Learn Colors for Kids

For more infomation >> How to Draw Ice Cream for Kids | Coloring Hearts and Ice Cream Coloring Pages Learn Colors for Kids - Duration: 10:05.

-------------------------------------------

A Financially Smart Plan- Associate Degree for Transfer - Duration: 1:48.

[ Music ]

If you love your wallet, you would want to take this program.

At the community college level,

tuition is obviously a lot cheaper than it'd be at a university.

My family's that middle-class family, where we just aren't hitting the low enough,

or just above the number that you need to get financial aid.

The Associate Degree for Transfer saved me money by allowing me to live

at home the first two years by attending a community college.

When you consider budgeting for rent, a car loan, gas, groceries,

the higher price for tuition, going to community college is just financially smarter.

When I was able to put the money I saved going through community college

to further my education at CSU, and then, hopefully my master's.

It meant that the second two years while I was in college,

I got to have a little bit more money to spend on study abroad trips, attending conferences

with different organizations I was a part of.

If I was not able to take part of the ADT, I wouldn't have been able to do it.

I would not have had enough money to go directly to a four-year university.

It was a no-brainer.

I started my college education at Clovis Community College, and then,

now I'm a junior at Fresno State.

I'm a kinesiology major, and I'm the exercise science division of it.

And, I am studying to hopefully one day,

become an occupational therapist specializing in pediatrics.

To walk through the system of college faster, and being able to get

into my career faster is important, because then I'm able to help pay off the loans that I have,

and be able to start my life, per se, after college.

For more infomation >> A Financially Smart Plan- Associate Degree for Transfer - Duration: 1:48.

-------------------------------------------

Justin Bieber - Wait For A Minute ft. Tyga - Duration: 3:29.

Justin Bieber - Wait For A Minute ft. Tyga

Justin Bieber - Wait For A Minute ft. Tyga

For more infomation >> Justin Bieber - Wait For A Minute ft. Tyga - Duration: 3:29.

-------------------------------------------

Advantages to Starting at a Community College- Associate Degree for Transfer - Duration: 2:24.

[Background Music] It can be really scary coming back to school.

I think community college is like a stepping stone to university life.

Going through the Associate's Degree

for Transfer Program made it seamless to move on to the CSU system.

It's common sense to start at a community college level.

There's a lot of advantages to going to a community college before you head

into a four-year university program.

For me, the biggest advantage was affordability.

I walked in to Sonoma State, basically having already saved close to $30,000.

The transition of going from high school to community college is just a little bit easier.

I wasn't sure yet if I wanted to move out of the area where I grew up or if I wanted to stay

and that gave me two more years to decide.

One of the benefits of attending a community college is the hands-on approach that they take.

The class sizes are super small.

Your counselor remembers who you are.

Your teachers know you on a first name basis.

And so, you kind of develop a relationship that's everlasting.

It was really the Santa Rosa Junior College that pushed me into doing this,

really kind of helped me see that I still had something to offer.

I was superintendent for a local painting company,

but I got injured in a scaffolding collapse in 2011.

So, I was starting over from ground zero at basically 49 years old, no high school diploma,

no other training in any other field and just feeling

like the rug had been pulled out from underneath me.

I went into this thinking I'll just get a high school diploma.

And then, I thought, well, I'll just get an AA.

And now, I'm sitting here weeks away from achieving my bachelor's degree at summa level.

I'm a history major with a mathematics minor and I want to become a teacher.

I wouldn't be sitting here right now in front of this camera if it wasn't for the ADT.

What was really important to me was regaining my--

[ Music ]

-- identity and self-worth.

You can't put a price on that.

[ Music ]

For more infomation >> Advantages to Starting at a Community College- Associate Degree for Transfer - Duration: 2:24.

-------------------------------------------

How Often Can You Apply for a Credit Card (Safely)? - Duration: 7:04.

hey I'm Adam Jusko from ProudMoney.com and in this video I'm talking

about how often you should apply for credit cards or how often can you apply for

credit cards safely. And so the answer to how often is OK to apply for credit

cards is: it depends. If your credit is very good, it's not a big deal to

get credit cards sort of on a regular basis if you want to. If your

credit cards not as.. or if your credit score, your credit history, is not as good,

then you should not be applying for credit cards as often. Every time you

apply for a credit card, you are taking a small hit to your credit score. There is

what is called a "hard pull", which basically means they are pulling your

credit report and checking your credit score, and every time you do that,

that actually becomes part of your credit report and sort of part of your

credit score. Because every time you apply for new credit that is part of the

calculation of your credit score. So if you want to apply for new credit cards,

if you have excellent credit and you have plenty of other credit

cards, maybe you've got a mortgage, car loans, or whatever and you've always paid your

bills on time, then you really don't need to worry about how often you

can apply for a credit card. You're really not going to get dinged that hard

and the hit to your credit score is temporary, especially if

you continue to pay all your bills on time... it's essentially going to get wiped

out and you don't even really need to worry about it. If you're someone that

doesn't have as good of credit, or if you're someone who's trying to build

credit... maybe you have a limited credit history... I would say you really should

not apply for a new credit card more than once every six months. If you have a

bad credit history in particular, you really probably should not be applying

for a card more than once a year. In either of those cases, you are trying

to build a history and show potential lenders that you are

trustworthy with your credit card and that you can handle a credit

card. So if you have a credit card and you keep applying for more

credit cards, well then it looks like you're a little credit hungry and you

haven't even established a history of showing that you can handle the credit

cards that you already have --- and obviously that's going to be a turn-off

to the banks and it's gonna make you look fairly risky. Now if you do have

good credit, even though I say you really shouldn't worry too much

about how often you apply for a credit card, there is still something to

consider... If you're one of those people who is applying or even asking this

question because of the fact that you are sort of, you know, chasing signup

bonuses or the the best rewards on certain cards, you don't want to keep

opening new cards over and over again unless you are sort of maximizing

what you are getting out of each new card. So, you know, if you keep opening

credit cards, that's gonna show up on your credit report. But if you keep

opening new credit cards and you barely use them or if you use them for

three months and then you never touch them again, sooner or later that's gonna

kind of put a red flag up at the banks and maybe the next time you go

to apply for a card -- and maybe it suddenly has this amazing bonus that you

really really want -- you may find that your history of going after

lesser cards and applying so often could actually hurt you. You might get rejected.

Even though your credit score is fine, your history and your behavior

could still ding you. In particular, one example I'll use is Chase has

what is called the 5/24 rule, which means you can't get more than

five Chase credit cards within a 24 month period. So let's say you were

someone who's just applying like crazy because you want to try and hit

all these bonuses and, you know, it's not gonna hurt your credit score. Still, if

you have applied too often, then all of a sudden a new card comes on the

market or a card that existed suddenly has a short-term huge bonus

opportunity --- if you've broken the 5/24 rule with Chase, they're not going

to let you have any new credit cards. So that's something to consider. A

lot of the credit card approval process, especially for those with excellent

credit, is automated so there's not really any person that is looking at

your credit score or determining these things. So for the most

part you can sort of get away with applying for new cards and even if you

don't really use them very much you get the bonus and then just put

them in the drawer --- there's not a huge penalty for doing so. But, nevertheless,

there may be certain catches in place

that say "this person has applied X number of times" and then it may be, you

know, given to an actual human to look at and then making a manual approval versus

just getting that automated approval based on whatever criteria that

they use to apply. The other thing to think about, for anyone, regardless of

your credit score, is what else you have coming up in terms of when you may

need credit approval. In particular, if you are going to be applying for a

mortgage any time in the near future, even if you have excellent credit, you

really don't want to be opening a new credit card within, say, three to six

months of that mortgage approval. It's best for you to be maximizing that

credit score as you get closer to that mortgage approval time, because

obviously the better your credit score, the better rates you're gonna get on

your mortgage. And a better rate on your mortgage is just gonna blow away any

bonus that you get from any credit card. So, you know, try to control yourself

within that the three to six month period before you are going for a

mortgage... even auto loans to some extent, I would offer the same advice about. And

obviously if your credit is not as good, you might want to back

those numbers out even further, so you do not have

new credit applications on your credit report when you're going after a

mortgage or some other large purchase. So, that is it! Thanks for watching. Please go

to ProudMoney.com for personal finance articles, "best of" lists, and all

sorts of other good stuff, too. Thanks for watching. Bye.

For more infomation >> How Often Can You Apply for a Credit Card (Safely)? - Duration: 7:04.

-------------------------------------------

the MEMORIES made at the BEACH last for a LIFETIME - Duration: 2:53.

I'll tell the world, I'll sing a song It's a better place since you came along

Since you came along Your touch is sunlight through the trees

Your kisses are the ocean breeze Everything's alright when you're with me

And I hold my favorite thing I hold the love that you bring

But it feels like I've opened my eyes again And the colors are golden and bright again

There's a song in my heart, I feel like I belong

It's a better place since you came along It's a better place since you came along

I see the whole world in your eyes It's like I've known you all my life

We just feel so right So I pour my heart into your hands

It's like you really understand You love the way I am

And I hold my favorite thing I hold the happiness you bring

But it feels like I've opened my eyes again And the colors are golden and bright again

And the sun paints the skies and the wind sings our song

It's a better place since you came along It's a better place since you came along

Now I'm alright Now I'm alright

Everything's alright 'Cause it feels like I've opened my eyes again

And the colors are golden and bright again There's a song in my heart, I feel like I belong

It's a better place since you came along

For more infomation >> the MEMORIES made at the BEACH last for a LIFETIME - Duration: 2:53.

-------------------------------------------

House Votes 52-9 To Expel Democrat For Sex Scandal In Liberal State - Duration: 4:42.

House Votes 52-9 To Expel Sleazy Democrat For Sex Scandal In Liberal State.

It is almost becoming laughable the number of Democrats that are being caught in scandals,

and crimes after years of pretending to take the moral high road.

For years, we have heard the left claim how they are the paradigm of morality and that

it is the Democrat party that stands for women right's and so forth.

Well, that is going to be a hard sell in the future for these faux do-gooder's since

most of their party now stands accused of sexual misconduct, and corruption that can

land many of them behind bars.

Over the last several months, the Democratic Party has faced one sex scandal after another,

and it does not appear to be stopping anytime soon as these liberal politicians are being

discovered for the perverts they are.

Just in the last several months, two top Democrats Senator Al Franken and John Conyers were caught

embroiled in disgusting sexual behavior that prompted them to resign from their political

positions in power.

And, now just before the dust has settled another explosive sex scandal has emerged

involving another Democrat that has the left reeling and another seat up for grabs after

being expelled from office.

After Donald Trump won the election last November, the Democrat party has been in shambles as

Democrat leaders desperately trying to pull itself back together again.

With the 2018 midterm elections looming in not so far off distance, sexual misconduct

scandals have rocked the Beltway resulting in numerous resignations, and now a stunning

expulsion from office.

Rep. Steve Lebsock

Rep. Steve Lebsock from the ultra-liberal state of Colorado was just voted overwhelmingly

to be expelled from office after numerous women have come forward with claims that this

sleazy representative sexually assaulted them.

The allegations are so horrible that it is entirely possible that Lebsock may serve jail

time, and that is not all.

Here is more from Conservative Tribune:

"The Colorado State House voted overwhelmingly Friday to expel a Democrat member accused

of sexually assaulting at least five women.

Fellow Democrats led the charge in a 52-9 vote in favor of the expulsion of Rep. Steve

Lebsock, marking the first expulsion to occur in over 100 years, KDVR reported.

"We, as a general assembly, have responsibility to police our own, to hold our own to high

level of accountability," Democratic Majority Leader KC Becker, who introduced the legislation

to expel Lebsock, said previously.

Five women accused Lebsock of sexual harassment and making repeated unwanted sexual advances.

State Rep. Faith Winter alleged that Lebsock grabbed her arm while she tried to leave a

bar two years ago, described various sexual acts and grew angry with her when she refused

to go home with him.

Lebsock has denied all the allegations.

"The last months have been awful.

I have taken public attack, after attack, after attack while I have patiently stood

by waiting for due process to take its course," Winter told her colleagues during the hearing.

"Today is not about sex.

It is about power."

Some Republicans voiced concerns about whether due process had been afforded to Lebsock during

the allegations and hearings.

However, many believed Lebsock abused his power in an effort to prove his innocence

and retaliated against the victims by handing out a document that detailed the sex life

of one of his accusers and other personal information.

Right before he was expelled, he quickly changed parties, according to his tweet."

And, of course, the reactions on Twitter were priceless!

It is about time that these Democrat creeps hiding in power are exposed for their dirty

deeds against women.

For too long the left has claimed that they are the champions of women's right, but

that will be a hard sell for the upcoming midterm elections.

Now, this stunning revelation could prove to be good news for the Republicans who are

running for office in the state of Colorado, who may now just have a shot they need to

slow the progressive liberal policies ruining the country on a daily basis.

It is about time that these sexual deviants in the Democrat party are exposed for their

nasty behavior, but there is still one that needs to be held accountable for his actions,

and that is Bill Clinton.

The Democrats can continue to say they are sorry for their behavior and resign from office,

but until Bill Clinton does it, the Democrat party will only stay mired in their own filth.

What do you think about this?

Please share this news and scroll down to Comment below and don't forget to subscribe

Top Stories Today.

For more infomation >> House Votes 52-9 To Expel Democrat For Sex Scandal In Liberal State - Duration: 4:42.

-------------------------------------------

A Fast Way to Get Your Bachelor's- Associate Degree for Transfer - Duration: 1:41.

The best part of the associate degree for transfers is that you have your set core

of classes that you need to take and you're able to get them done in four years.

Because then I am able to then continue my education when I want to get my masters.

Because I need to get to work.

My family is depending on me.

Getting my bachelor's degree in four years was really important to me.

ADT was a fast way for me to start my career.

What I liked about the business major is that there's a broad amount of different things

that you can do and it applies to almost any sector or any career field.

I'm a first generation college student in my family, and I knew that when I began my degree

that I needed to get it done as soon as possible with minimal distractions.

Being able to start that foundation, being able to potentially get married

in the next couple of years would be nice.

Making sure that I got through as fast as I could was super important to me.

In the fall of 2012, I started at Reedley College.

And two years later I transferred to Fresno State.

And in May of 2016 I graduated from there.

Applied for a marketing assistant position with Deli Delicious.

After my interview, I was offered a higher position

and a lot of it had to do with my degree.

With my job, I go to different Deli Delicious restaurants

and help support the franchise owners with their operations of their restaurant.

Being able to graduate in four years, a lot of being part to the ADT,

helped me have more confidence to go out and apply

for higher positions and get the job that I wanted.

For more infomation >> A Fast Way to Get Your Bachelor's- Associate Degree for Transfer - Duration: 1:41.

-------------------------------------------

(80% SOLD) Exclusive License Sale - Selected Beats For Only $150 - Duration: 5:36.

Shop now | Link in description

Shop now | Link in description

Shop now | Link in description

Shop now | Link in description

Shop now | Link in description

For more infomation >> (80% SOLD) Exclusive License Sale - Selected Beats For Only $150 - Duration: 5:36.

-------------------------------------------

A Clear Path to a CSU- Associate Degree for Transfer - Duration: 1:29.

[Background Music] Prior to my experience of transferring from a community college

to a four-year, I heard that there's a lot of people that have trouble getting out,

that they find out they're missing a class.

The Associate Degree for Transfer Program made it extremely easy to transfer on.

It was so easy, it blew my mind.

ADT sets a clear path so we can start in a community college,

transfer to CSU and move on with your future.

So once you leave the community college, you transfer into the CSU system with junior status,

which allows you to continue moving forward at the upper division level within your major.

They have the sheet that you can just check off the classes.

It specifically said, OK, take anatomy, take physiology.

Whereas without it, I still would have been searching through the catalog trying to figure

out what classes I needed exactly.

I'm actually studying communications.

This is my last semester at Valley College and I'll be

at California State University, Northridge by fall of 2017.

The counsel that I met with Counselor Brosnan [assumed spelling],

he explained to me the entire process, the pathway, the classes I need,

the paperwork I have to petition for.

I'd like to bring in my life experience and the four years of working experience that I have

and I'd like to give back to the community whatever way I can.

Getting a bachelor's degree from a CSU would be one of my proudest moments of my life.

For more infomation >> A Clear Path to a CSU- Associate Degree for Transfer - Duration: 1:29.

-------------------------------------------

How To Use Coconut Oil For Yeast Infection Itch Naturally? - Duration: 6:50.

Coconut oil gives an expansion of fitness and splendor benefits

But the question is the coconut oil for yeast infection it is helpful

Many ladies have a yeast contamination trouble due to the extended yeast in the frame

Usually this occurs best while the Machine of your body will become unbalanced

Coconut oil is natural antifungal

Caprylic acid in coconut oil has the ability to kill Candida absolutely and relieve you from the contamination

This asset enhances the entire fungal and different antimicrobial

properties of the coconut oil five

caprylic acid breaks the protecting layer of yeast cells depth reason contamination thus

coconut oil places in enter the replica and boom of use

Coconut oil enhances immunity

The presence of lauric and caprylic assets and coconut oil boosts the immune machine with their

antiviral antibacterial

and antifungal properties a

Regular consumption of this oil

Am a show to be a shield to your immunity maintaining sure illnesses and infections of day

Coconut oil protects skin

Coconut oil guards the force and skin infected with yeast and dosent Elector

microorganisms overgrow due to its antifungal properties

Use the coconut oil and yeast infection

Coconut oil

facilitates fine fungal infections in each external landing or forms if you need to keep away from at least

Contamination add it for your food plan or follow it via putting coconut oil on the inflamed portion

Oiling methods for infections

First easy the infected element with nicely

then take a few drops of ideally virgin coconut oil and observe even the

Affected the vicinity to to a few times a day to get right outcomes do that often for a few weeks

regularly

Add coconut oil to your diet

Take 1-2 spoons of coconut oil every morning you can

step-by-step boom the dough stand make 5

Tablespoons frequently you can use it in butter or cooking oil

Thanks for watching this video

Please subscribe my channel and click on the Bell button to get a notification of new video

Không có nhận xét nào:

Đăng nhận xét