Waching daily Feb 15 2017

Thank you.

Guys?

Guy Staff?

Ladies as well

Finish!

For more infomation >> Kinder Bueno is only famous in asia? | Valentine's Day JAPANESE STYLE! - Duration: 6:31.

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Is It Ever Appropriate To Criticize? - Duration: 10:50.

Hey, what's up?

John Sonmez from simpleprogrammer.com.

Today, I'm going to talk about whether or not it's ever appropriate to criticize.

This question comes from—I think it's Rhys.

It's R-H-Y-S.

Rhys.

I think it's Rhys or maybe Rhys, probably Rhys.

He says here, "Question: I know in the book 'How to Win Friends and Influence People'

it tells us to never criticize, but I feel there may be some scenarios such as reviewing

something to give feedback and telling someone with something genuinely wrong like health

problems or something along those lines."

He says, "These can be considered criticism and I feel sometimes they are appropriate

opposed to what the book suggests.

If you disagree with me, I would like to know how you would instead deal with scenarios

listed."

It's sort of a trap because if I disagree, am I criticizing you?

We can disagree without criticizing people.

I'll also say this like—okay, there's 2 books that I read or that I kind of like balance

between that I think we should all kind of balance between.

One is "How to Win Friends and Influence People" and the other one is called "The 48 Laws of

Power."

Two very different books, two very different ways of dealing with people and power and

situations.

Two different models, I would say.

Now, they both work.

They're both effective.

Now, you might say that 48 Laws of Power is the evil way and How to Win Friends and Influence

People is the good way, but that's not necessarily true.

Those are necessarily—those are tools and in some context and situations, some things

are going to work better from 48 Laws of Power and you got to know how to protect yourself,

and some things are going to work from How to Win Friends and Influence People.

I like to take things in life and I like to look at both extremes.

Okay?

I like to say, "What if there is no God?

What if you are God?"

I like to say that.

I like to look at those places in between.

I like to look at all kinds of different things on that because I find—in fitness, right?

I like to look at, "What if you eat 8 meals a day?

What if you eat no meals a day or one meal a day?"

Right?

I'm on the one meal a day side now, but that's a good example.

In that case in the fitness industry, there's plenty of bodybuilders, professional bodybuilders

that still eat 8 meals a day, 7 to 8 meals a day.

Big guys winning competitions.

Totally in conflict with intermittent fasting guys that are eating one meal a day or fasting,

most of the time winning competitions, doing good, ketogenic.

There's all kinds of ways that work and you kind of got to be open and you got to realize

that there's different models that are totally in contradiction to themselves, but still

work.

Because a model is not about truth.

I've talked about this a lot.

A model is about a representation of the world that works in such a way, at least in your

life, that you put in some input and you get the desired output.

That's a good way of evaluating things.

Aside from having God come down and tell us what the universal truth is and all matters

in life, we're going to have to like utilize models and use what works, and a lot of those

models are going to be really, really inaccurate.

Now, do I think that the models presented in both of those books are pretty good and

fairly accurate?

Yeah, I think so.

Where am I going with this?

Where I'm going with this is this, is on the subject of criticism, don't just take everything

that is in How to Win Friends and Influence People as absolute gospel.

There's going to be times when you are going to need to criticize.

He's outlining a principle and I think that even—I think even Dale Carnegie who authored

the book would agree with me in saying that—and a lot of people do this.

I do this a lot too, is to talk in extremes.

He says, "Never criticize, condemn or complain."

Does he really mean never?

What he means is like have that be your guideline, your principle.

That's your go-to.

You say you're going to go that, but that doesn't mean that there's never ever some

kind of exception or some place for that.

I will tell you this from personal experience, is that it's a very minuscule spot because

the thing is in order for you to criticize someone effectively, they have to be the 0.01%

of the population that responds to criticism and actually improves their life.

Now, I'll give you an example of someone who did.

I did this video on being a one hit wonder that Scott Nimrod had sent me a question.

I'm remembering this because he recently—I've seen his results and I've talked about this

multiple times.

He gets free publicity for me for being that .01% who takes criticism and actually applies

it to his life.

I did that video and he changed his whole approach.

He took the feedback from that video and the criticism in there.

It wasn't harsh criticism but it was criticism, nonetheless, and he applied it and he's the

kind of guy that can apply it.

If you're not dealing with that kind of a person, you don't know you're dealing with

that kind of person, it's just going to be a waste.

It's going to be a waste of time.

It's going to be waste of effort.

It's going to waste of your speech because you're going to get negative responses from

that, and that's the majority of people.

Most people are not worth your criticism, right?

You got to deal with those other people in a different way.

You got to use positive reinforcement and that's what How to Win Friends and Influence

People is all about.

It's about the idea that negative reinforcement just basically generally doesn't work, there's

a very small percent you'd be the kind of the person.

I think.

I did this video on accepting criticism but never giving it.

I think that's—I'm pretty sure I did this video.

Maybe I just dreamed of doing this video.

That's what you want to be.

You want to be the kind of person that can accept the condemnation, that can accept the

criticism, that can respond to it.

It doesn't always mean that you just believe everything that everyone says.

I've also done a video on talking about not taking feedback.

Honestly, I think, for the most part, you shouldn't take people's feedback.

You should make your own decision and make up your own mind, but there are times where

if someone criticizes you, you should be evaluating that and making some decisions based on that.

You need to be that kind of person, but you need to be that kind of person that doesn't

give to criticism because, in general, it's just going to fail.

It's just not going to work.

Only the special, special people.

There's very special people in my life who I will give criticism to and it's very, very

small.

Even then it doesn't always work but I appreciate criticism from those people and they appreciate

it from me because we're able to have each other's best interest at heart.

Those are what I call true friends.

Those are people who will tell you like it is because they care more about you than you

care about you.

Aside from that, follow the advice of the book.

Again, I talked about 48 Laws of Power.

There are some interesting things in there too.

You might need to apply some tactic.

I mean if someone is going to fight dirty, you might have to—the only win may be a

non-win move.

You got to be able to work there, but, specifically, I think you asked about things about health.

Let me see, you said, you know, it's appropriate when like they have health problems or something

along those lines.

There's a way to present information that is not criticism, which is to sort of say

something along these lines and say—to ask a lot of questions, Socratic method.

I should probably do a video on Socratic method, but essentially to say something like where

you lead someone in a direction and it becomes their own idea, which, again, this came from

How to Win Friends and Influence People because he talks about this idea of making someone

believe that the idea is theirs or taking ownership for it.

Maybe they'll eat 2 helpings of it.

The idea is that you say—let's say for a health issue thing, you say, "That is interesting

that you are on a candy bar diet.

That is very interesting.

I'm curious to know why."

Then you let them answer and then you say, "That's interesting.

I heard and I could be wrong here, but I heard that high fructose corn syrup that's in a

lot of candy bars can raise insulin and cause diabetes.

This is what I thought that—now, I could be wrong and this is why I think this, but

what do you think about that?

I'm curious to hear your take on this.

Do you think this has any merit?"

You can present information in such a way that you're presenting the information to

them and you're not judging them, and you're taking sides.

You're not criticizing them, but you're giving them the steps.

You're walking them by the questions that you're asking to arrive at the obvious conclusion

that you shouldn't be an on an all-candy bar diet or that smoking is bad for you.

This is some practical things.

Whereas, if you come at them and say, "No.

You're wrong."

They're going to come right back at you.

Again, another part of How to Win Friends and Influence People.

He says, "If you come at me with your fist doubled, I can guarantee I'll double mine."

There's ways to deal with this without coming across with criticism.

Again, I'd encourage you probably to read How to Win Friends and Influence People again.

I'll put a link for the book one more time here if you haven't gotten it.

I read it—and I'm not saying this to be offensive to you because I read the book about

at least once a year, usually twice a year just to make sure that I've got it fresh on

my mind and I catch more and more things when I do.

All right.

Well, if you would like to get more videos like this one, go ahead and click that Subscribe

button below and you will get videos.

If you want, I could do some videos with me criticizing you.

You just send me an email at john@simpleprogrammer.com and tell me what you want me to kick your

ass about, and I will do it.

I'll talk to you next time.

Take care.

For more infomation >> Is It Ever Appropriate To Criticize? - Duration: 10:50.

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Defense Ministry: Report on Indiscriminate Attacks on Aleppo Is Propaganda - Duration: 4:46.

Report of the American Atlantic Council, which accused Russia and Syria of indiscriminate attacks on Aleppo,

was called propaganda in the Russian Defense Ministry.

According to the Ministry representative Igor Konashenkov,

this document can be easily refuted by testimonies of thousands of Syrians who returned to normal life.

Notably the report doesn't say a word about mined schools or warehouses of militants full of food and medicines.

But the so-called "civil activists" that are supported by Americans

and called "clowns in white helmets" by Konashenkov didn't report these facts.

It's not advantageous.

Anna Redkina on who and how writes such reports if we may call them so.

From the "indisputable evidence of Assad's crimes" and "deliberate attacks on civilians"

to "a report every line of which is a lie".

News about the release of a 70-page conclusion report by the American Atlantic Council on Aleppo

was published in the most diverse interpretations by the media of nearly all the UN member states.

However, officials who dared to comment can be counted on fingers of one hand.

The authors themselves remained silent.

Branded unwavering confidence and determination in action.

Well, if the North Atlantic Alliance, NATO, didn't succeed, perhaps, the Atlantic Council will get lucky?

But since when does the New World conquer cities by persuasion?

We have carefully studied the report of the Atlantic Council

dedicated to operations of Syrian troops to liberate Aleppo,

but found nothing new in it. All the charges and propaganda have been denied long ago.

Even twice, by the facts from our official briefings

and by life, in the testimonies and interviews of thousands of residents of the eastern districts of Aleppo

returning to a normal and peaceful life.

Questions arise as early as the research stage.

Seems like this time the eminent experts were inspired not only by field reports

and the expertise results of the Organization for the Prohibition of Chemical Weapons,

but also by the achievements of web designers from the Silicon Valley.

At first you're offered the mandatory opening scenes.

Dimmed colors and music, breathtaking flight of the camera over the city.

It seems that a movie or a TV series is about to start.

However, the proposed alternative is no less fascinating.

Themed solitaire of interactive windows, which hide multiple videos,

in the sidebar there are maps, chronology of the conflict, and even thematic groups on Facebook and Twitter.

Do you still want to see this boring document?

This political victory was achieved largely through the cooperation of three states.

Those are Russia, Turkey, and Iran.

If it hadn't been for this cooperation, primarily the Russian-Turkish cooperation,

I believe that there would have been no political victory.

In this case, we wouldn't be able to talk

about any cooperation in the liberation of Aleppo from the radical Islamists.

And the report itself is a faded shade of its cover

and, what's worse, a bad parody on the work of scientists and experts.

Starting with starving children, the authors monotonically recreate

the history of once the largest city of Syria

according to the information of media and social networks.

As if collecting information on the spot, analysis of the physical evidence, ballistics,

and even the photos of the vaunted US satellites existed for someone else.

It's no surprise that the description of the first so-called tests

of the so-called secret weapon of the Russian Aerospace Forces on Syrian territory

starts as early as the fifth page.

Says who? Where is the reference?

Here it is! The video! The montage you are watching.

This is an organization that has a certain reputation as an organization that provides assistance.

This organization periodically releases freely available photos, videos, and other materials

that are of the level of propaganda, fake propaganda.

And it does exist. This is true.

Unfortunately, there is nothing good about it.

White Helmets, numerous observation groups, and tweets of nonexistent Syrian children.

All of these evidence can be questioned just by common logic.

With time, more and more consumers of the "News from Aleppo" begin to notice

the perfect English of the residents of Arab border zone or high-speed Internet.

However, it's useless to address questions to the owners of profile pages.

If the author answers, the whole absurdity of the correspondence will be hidden

under thousands of new comments from the all-purpose troopers of this information war.

So, perhaps we should say thank you to those who decided to publish this report?

Now we have not only missing photographs and fictional characters, but real faces.

Notable critics of our country, former key characters of world politics Madeleine Albright and Carl Bildt,

authors of this report. Perhaps we should ask them who is responsible for this hack?

Anna Redkina, Vesti.

For more infomation >> Defense Ministry: Report on Indiscriminate Attacks on Aleppo Is Propaganda - Duration: 4:46.

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Pamela Ritchie, jewellery artist and 2017 Canada Council laureate - a film by Tim Wilson - Duration: 3:05.

Jewelry-making.

People think of jewelry as something that is

simply ornament and has very little to say.

But when you start to really look at something

for a long time that's that small and detailed,

you're carried off into a place that is like a dream.

And it's a paradox that a piece that's this small

and intricate can capture so many ideas.

This one is part of a series called States of Matter.

The intention there was to think about what physicists are doing,

which is trying to understand what we are,

what we are made out of.

What is this material that makes our universe the first matter,

that expansion of that big bang, that huge collision?

Paper is at once a kind of inexpensive material

that we don't think of as having any lasting quality

but stamps are considered very precious by a lot of people.

So you have this interesting contrast

of the way we treat stamps;

collected, treasured, or thrown out or recycled.

I thought that it would be interesting to place them

in the context of the precious by framing them

with the sterling silver.

This is a very recent piece,

and I'm still trying to figure out where I'm going with it.

It's made completely of alternative materials,

of wood, of polymers, paint.

This could be a landscape, but not on our planet.

People come close to look at your work

when you're wearing something unusual,

and it usually does start some kind of conversation.

For more infomation >> Pamela Ritchie, jewellery artist and 2017 Canada Council laureate - a film by Tim Wilson - Duration: 3:05.

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Is Miso Healthy? - Duration: 3:49.

For more infomation >> Is Miso Healthy? - Duration: 3:49.

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Social Listening is still very powerful - Duration: 0:59.

I suppose my tip for today is to listen

listen on Twitter listen on instagram

you can do it inside the platform's you

don't have to hire any specific special

tools you can listen to certain hashtags

certain locations you can listen to you

can listen to keywords as well but just

by taking some time out listening to the

streams listening to the keywords and

the hashtags and doing those geo-located

searches inside these platforms will

certainly amplify your your brand equity

and it will certainly make sure that you

are tapping on enough shoulders to be

heard so that is my tip of the day if

there's anything more you need simply

leave a comment below if you've got any

questions as well that you would like us to answer

again

leave a comment below we'll get to it

For more infomation >> Social Listening is still very powerful - Duration: 0:59.

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Michael McIntyre - Best Funny Momements - NEW STAND UP COMEDY (2017) - Duration: 1:42:25.

Thanks for watching!

For more infomation >> Michael McIntyre - Best Funny Momements - NEW STAND UP COMEDY (2017) - Duration: 1:42:25.

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Lexus IS 300h F Sport - Duration: 1:08.

For more infomation >> Lexus IS 300h F Sport - Duration: 1:08.

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Shelagh Keeley, visual artist & 2017 Canada Council laureate - film by Maya Annik Bedward - Duration: 4:43.

I think drawing is a language,

the notion of a non-verbal communication.

I think drawing is pretty primal.

And I think all those things and intrigue me about it

and the viscerality of it.

When I started out in the early 1970s,

making art and going to school, it was very structured.

It was still the era that drawing was preparatory.

I never saw it that way.

I actually saw it as this open door I could go through

so it just seemed like: oh, okay,

I love drawing, I'm going to do this.

Then I started drawing on walls.

My very early work was a lot with wax and pigments and

smearing of walls was actually my body movement on the wall -

kind of this notion of marking the space with my body.

It's really being in the room and almost having the walls

tell me what they want me to do.

I sort of think of life in a slightly fleeting manner.

I think vulnerability in the body and a permanence...

all those things have been part of my work

and probably the wall drawings that then disappear.

What makes something obsolete?

You take it out of context or you bring it forward.

It changes.

It's beautiful, and it's also...

the ephemeralness is partially what the viewer,

I think, is aware of.

I've always been really inspired by poetry,

and I think that actually drawing is like writing poetry.

When we did the piece at the MOMA,

of course both the artists' archives that I chose

that we looked at were both poets:

Vito Acconci and James Byers.

That's nice, books,

open,

breath blowing,

blowing objects, envelopes, sand,

hover across the table, blowing a pattern,

flow, off a body,

blowing it off of my own body.

I don't make the separation between drawing

and photography and film.

I draw really with the camera.

To me they are all coming from the same source.

What is a drawing, or what is a wall drawing?

That changes, as you change,

because you are continually evolving.

For more infomation >> Shelagh Keeley, visual artist & 2017 Canada Council laureate - film by Maya Annik Bedward - Duration: 4:43.

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What is a tourist Village in China? [Lujia village] - Duration: 10:00.

Welcome guys, we are ready to show you a tourist village.

So what the hell is a tourist village in China?

Except as a village full of tourists

Well there is some quite interesting things to discover.

Actually we film it for three days

Swiss man lost in China

Get lost in China with us

Now as you can see, we are in a village near our house.

But it is a tourist village.

So he will explain what is a tourist village later.

But now I wanna introduce the history of the village.

The village name is Lujia village.

Which means family Lu village, the family name is Lu.

And they have a long history of making tofu.

Because the water here is special.

And it have a lot of mountains here.

So the water is good, the plant is good.

And they make the most yummy tofu in the world.

It is delicious, yes.

And it is hot. And it is perfect in winter when it is cold.

You want to say something?

What is the name of the bridge?

The bridge of wind & rain.

Wind & rain, Ok.

So hopefully it is gonna to resist the wind & the rain.

OK, now I am gonna to explain now what is a tourist village.

So tourist village in China is where basically you have many tourist activities.

Tourist activities don't mean that there is Chinese people living here.

It means you have hotels, restaurants.

Restaurants, of course, everywhere in China where there are tourists.

And you will have many cars, scooters.

It is in general very crowded.

And tourist booby traps.

Yes. Many tourist booby traps.

And all of the shop, little shops selling scarfs whatsoever.

that you see in our background

It is all what we have just mentioned, tourist booby trap.

Because no matter which village you go to, which part of China,

They sell the same souvenirs everywhere.

It is all produced in the same city in China. I forget the name.

But it is almost all from that place. I am sorry.

And what is funny is that, uhmm, well the ambiance is nice

It worths visiting.

But the historical interest is disappearing

Because it is not a very ancient history if you compare with the history of China.

It is a history of many thousand years.

Here is just a few hundred years.

China has the history that is one of the most ancient in the planet.

So you can not compare the foundation of this tourist village that is just a few centuries...

But.

with the history of China.

But, still, I think it is still very nice.

Because it tried as much as possible to recreate the ambiance & the atmosphere

As you can see, in these little lanterns decoration with the tree

And this type of little alley.

As you can see, the wall is not solid.

The wall has holes.

To let the wind & air go through.

This is the ancient wisdom of architecture design.

Because here it has holes, for the privacy purpose,

People put a tree in front of it.

So everything is combined together, even the color

You know.

So, I think it is nice to have these villages existing that still try to recreate the ancient atmosphere.

Hello, look, this is a ancient opera stage.

So for the moment, there is nothing, no event.

But it is going to be nice.

But it is all built in wood. Super stylish.

The design is nice.

How the people make tofu in the past?

you can see the lady put the beans in the middle.

And the man is playing the role of the donkey

to draw the grinding machine around.

[ In mandarin] you want sugar in your the tofu pudding?

[ In mandarin] Yes.

[ In mandarin] You two come here all the time.

[ In mandarin] Yes. We like your shop.

[ In mandarin] Have been here many times already, right?

[ In mandarin] Of course.

[ In mandarin] Here you are.

They said we come here a lot of times. They recognize us.

We are already regular customers.

And they know, or perhaps they don't know we live in the village next to here.

Yap, it is very close to here. That is why we come here very often.

So it is nice to live close to a touristic area.

Because it is beautiful. You can have a nice time.

Just eat a dessert and that is it.

So perhaps you can speak about the rent.

The rent? For example, did you see this house?

This house..uhmm, you wanna go out?

No, no.

It has two and half or three layers.

And the rent is 12000 yuan per month.

So it gives you an idea, 12000 yuan per month

How much dollars?

2000 dollars.

2000 dollars. So it is pretty similar price as you can perhaps find in the west.

It has perhaps 300-500 square meters in total.

But thing I know is that, I tried to call the phone number of the owner the other time,

when i tried to rent the house here.

They tell me they don't live in here any more.

They are selling...uhmm, not selling, they are renting the house out for business.

It is more interested for them to rent it out rather than live in here themselves.

If they don't wanna make a business here.

And what is also interesting, is that in this kind of place,

if you are successful as a businessman

The rent is not necessary stable.

They can make grow the renting price.

as long as you can pay, they grow the rent.

In the past few years, the price of rent goes up & up.

Of course. Because in China, housing price or renting price always goes up.

So, they [the landlord] don't take risk.

But I wanna mention something,

This village is a special one.

Where there is almost none villagers living here any more.

It is very business oriented in a way.

[ In mandarin] It is very hot. Be careful.

[In mandarin] Thank you.

However, in some other village, where there are more ancient ones.

There are villagers living inside.

It is not so fancy.

But they have ancient architecture that is not reinforced like this one.

So it is not a definite case.

There are many different type of tourist villages too.

And perhaps one day, we will show you the ancient & villagers still living in that type too.

Good.

So we are here.

And this is the area.

It is actually where we are, where is our place.

Something is disturbing me.

This map is not interesting, I think.

Yap, it is interesting. Because we live here.

where?

NO. Not really.

We don't have a fountain in the middle of our village.

This is not our village. It has fountain.

Yap, this is a project of invading our village.

Can I cry now?

Yes.

Invasion?

Invasion.

NO. I think...

Oh. Shit.

That is really the area.

Yes, I told you.

OK. I am gonna go home & cry now. Ciao.

We have to ask the landlord now.

NO. NO. NO. We don't even know it.

It is probably some idiot's dream of invasion of the ...

Not necessary it is gonna....

So, we live close to this place.

And apparently, they have a plan to destroy our home.

NO. NO. It is not...

Yap, it is funny.

Episode ends here. I am not going to cry.

I am just gonna take a break in the toilet.

For 3 hours all alone, OK?

Ciao.

Hello everyone. If you like our video, please subscribe & share.

And you can also give us a few dollars through our Patreon page each month

To support us make more fantastic videos.

Support us & get lost in China with us.

For more infomation >> What is a tourist Village in China? [Lujia village] - Duration: 10:00.

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The Only Thing Harder Than Being An Addict Is Loving An Addict - Duration: 1:03.

- The only thing in my eyes harder than being an addict is loving an addict.

It's an extremely, extremely difficult journey. To those people who love an

addict, and they're trying to find the right words to say, there are no right

words. The only thing that I would say is you just have to be there.

You have to let them know that it's okay, that you love them, that,

you know, you understand that they have a problem. You understand

that they're in a dark point in life, and that you're just going to sit

there and hold their hand through it. You don't know

what they're going through. You don't know what the withdrawal is

like. You don't know what the addiction is like. You don't know what the pain is

like, and we can't expect you to. You know, I don't know what going through

cancer is like, so I can't tell a cancer survivor what it was like.

You know, but what I can do is I can sit with that cancer

patient, and I can hold their hand the entire time.

So, what I would tell somebody who was trying to speak to somebody who's addicted

is just tell them that you love them. Tell them that it's going to be okay.

Tell them that you're not going to leave them, that you're not disappointed in

them, that you're not heartbroken. You're not upset, that you love them,

and that everything is going to be all right. And just stay there with them.

Just hold their hand throughout it and let them know that they have a safe place to

be loved.

For more infomation >> The Only Thing Harder Than Being An Addict Is Loving An Addict - Duration: 1:03.

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HOW TO GET FREE MONEY FROM YOUR EMPLOYER | Financially Fabulous with Limor - Duration: 8:22.

welcome to another financially fabulous

episode I'm Limor

and while i'm not a financial planner

i'll show you what i've learned today

I'm going to be talking about how to

access free money from your employers

and my friend Kate is going to be joining me

come on this will be fabulous

so many people are curious about how to

get free money from their employers

that I've got my friends Kate from the

youtube channel Fun&Fulfilled here to talk

about it with me today

thanks so much for joining oh thank you

for having me i know this is a question

that you and a lot of your followers and

even my followers end up asking us

okay how do I get some of that free money so

I'm super pumped to talk about it today

yeah i think the real question is like

what is this free money how do matching

programs work what are you know the

constraints around it and how do you

even find out if your company offers it

maybe we even start with that

yeah people even find out whether this

is a benefit that they can tap into so

you'd actually surprised know a lot of

medium-sized companies and most large sized

companies have this and so when you get a

new job and you get like a stack of

files from HR usually they stick

it in there and I don't know why, it's always filled with

so much jargon and so if you've

got a stack of papers and you haven't

taken a look at that you can just go

talk to the HR department within your

organization there's usually someone

that can you can speak to you and

sometimes they have a 1-800 number of

reasons and what I seriously encourage

you to do is ask as many questions as

you can and there's nothing wrong with

saying like hey I'm new to the company

I don't know how it works because you

want to make sure that you understand

the nuances every single company's

program is really really different

so what are some of the more common

matching program do they have to do with

actually investing in retirement

savings or things like that I've heard

of that happening and most large

companies I've worked

yes there's a number of different kinds

you're absolutely right one of the ones

that's more popular is matching of

retirement and basically like let's

think about it this way the company

wants to incentivize you to put money in

your retirement fund

so essentially what they usually allow

you to do is put a percentage of your

salary so 1% or 2% or 3%

it's usually in that range can be a little

higher little bit lower but if you put

in three percent of your salary what the

company will often do is match that

portion so that's why we actually talked

about it's free money so he if let's say

I'm making a hundred thousand dollars

just because the numbers are super easy

and three percent i could put in my

retirement plan and they will match

that, so if I put in $3,000 the company

will put in $3,000 that's why we

call it matching that's also why you can

hear it sometimes talked about as a

hundred percent return on investment but

the biggest thing that I hear is like

oh it's so complicated I don't understand

it as well as like I'm not really planning to

be with the company that long and the really

big ones out here like all I maybe i'll

be here for two years

what's the point why should i start to

invest and then before you know it then

maybe two years four years five years

and you've missed out on all that free

money along the way and i think i've

seen some companies will have a vesting

period

yeah I'm but you know in some cases that

could be relatively short and if you

want to go into that and let me explain

part of me so basically the portions so

not your own money the part that you put

in your first $3,000 you

can tap into that and you can usually

get that at any point in time depending

on whether you invested it right so if

you locked into something you may not be

able to access it but the amount of

money that the company is putting in so

there are three thousand dollars every

company will have a different vesting

schedule and what that means this how

long is that money in there before you

can access it so locked pretty much

locked in and some companies will have

like a one-time fix vesting schedule that says

ok once you've been

with the company for two years if you

leave at two years and one day

no problem you can take your money with

you leave at four years you can take your

money with you

some companies actually have a rolling

vesting schedule so that if they

match three thousand dollars this year

and it's two years later you can take

that out but next year's you'll have to

wait two years from when they match that

that's I think a piece that can be

a little bit tricky for people to know

one thing that i find to be great about

a program like this is that the money in

most cases at least in my experience is taken out

right away under paycheck which helps in

terms of your own budgeting and you won't

necessarily tempted to spend it and

then at the end of the month be looking to try

to kind of find those three percent and

then you know investment somewhere in

your experience has it generally been you

know it operates that way where it's

actually taken off the top HUGE

always always taken off on top and the

cool thing is if you're actually

contributing to your retirement fund

depending on how large the company is

they'll actually often take the money

pre-tax

ok so for contributing to your

retirement funds i know it's this way in

canada and the u.s. obviously if you put

money into your retirement fund after

you pay've taxes

it could be a tax offset or it can allow

you to get some money back through a

refund at your next time but we can

do it directly through your company

the money is taken before your taxes

actually your money starts to work a bit

harder for you okay and I guess you're

actually starting to earn returns and

you get paid every two weeks you'd be

starting to earn returns every two week

period when that additional sort of

investment takes place

yeah that wasn't a one-time that's

actually why you'll hear a lot of times

when it's like time to put your money in

your retirement you know they always say

do it on an ongoing basis so that you'll

start to get those returns right way they

can also talk about it as like

offsetting like sometimes you might buy

when its higher or sometimes you may

buy when it's low but if you're buying

every couple of weeks then it kind of

offsets and evens out the price but not

even to worry too much about that

the important thing is exactly like Kate

said hello

you'll be getting free money and you

don't even have to worry about because if the

money comes off your paycheck every

single month or every two weeks when you

get paid

you're not going to miss it right that

brings me to my tweetable today you

won't miss the money that you don't have

so if the money is being put right away

into the account and then all of a

sudden the end of the year you check

you're like WOOOW where that balance come from

you've been putting money aside on a

regular basis your company's been

matching money for you

it's a really really great way to have

your retirement or your saving funds

grow and if you're breaking into small

pieces i know that's something that you

preach which is you know micro goals and

making things easier to actually achieve

on a shorter term basis so if every

paycheck every two weeks three percent

of your salary is getting off the topic

or tweetable money they are not

necessarily going to miss think about

how much that you really accumulate over

time it's going to totally totally

compound and you're really really not

gonna miss it and it is sometimes you

can top up with your year-end bonus too!

so that's another popular thing when

you get your year-end bonus you can

fill out a form in advance that allows

you to take some of that money and put

it straight into your year-end bonus so

being taxed so something else to think

about

yeah especially if it's going right into

your retirement

fund is a great way to think about it a

lot of little nuances and every single program

is different every single every single

program is different every single

company is different but essentially

there's free money to be had, hello why don't

you be financially fabulous and go out and do

it i know those forms are filled with

jargon i know that it may take a

little bit of a bit of persistence but

my challenge to each of you is if you

haven't been taking advantage of the

matching program start by going your HR

finding out what's the 1-800 number given

a call

finding out how you can take advantage

of this program and how you can start to

get free money and then if you are

already set up that is awesome but make

sure that you're maximizing your getting

all the free money it's the best way to

get some extra cash in your pocket so

we hope that you liked this video and

that you learned something love it if you

would subscribed to my channel and if

you've got any questions for either

myself or Kate leave them in the

comments below also I'll link up Kate's

channel and i recommend you come on over

to www.Limor.Money where you can

learn about all kinds of elements of

becoming financially fabulous

thank you so much for watching and we'll

catch you next time

till then... stay fabulous

For more infomation >> HOW TO GET FREE MONEY FROM YOUR EMPLOYER | Financially Fabulous with Limor - Duration: 8:22.

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Cities looking to fill $1 mil. funding gap as hall tax is phased out - Duration: 2:19.

SOME CALLED IT A VICTORY IN TAX

CUTS LAST YEAR, BUT THIS YEAR

SOME LOCAL GOVERNMENTS NOW HAVE

A ONE MILLION DOLLAR

HOLE TO FILL.

LAST YEAR, THE TENNESSEE

LEGISLATURE VOTED TO PHASE

OUT THE STATE'S HALL INCOME TAX

ON EARNINGS FROM STOCKS AND

BONDS..A TAX THAT BROUGHT IN

MILLIONS OF DOLLARS TO

LOCAL GOVERNMENTS.

NOW, AS NEWS CHANNEL 11'S ALLIE

HINDS REPORTS THOUGH

IT'S ONE LESS TAX THAT WE HAVE

TO PAY...IT MAY CAUSE TAXES TO

GO UP IN

OTHER AREAS.

HERE IN THE TRI-CITIES JOHNSON

CITY AND KINGSPORT

ARE BOTH LOSING ABOUT ONE

MILLION DOLLARS IN YEARLY

REVENUE BECAUSE THE HALL TAX IS

CUT.

SO, ONE TOP PRIORITY CITY

LEADERS HERE HAVE TOLD

LAWMAKERS--THEY WANT THE POWER

TO PUT TAXES IN PLACE

WITHOUT HAVING TO GO THROUGH THE

STATE..

(TOMITA)

"WE'LL BE A CLEAN NO INCOME TAX

STATE" THAT'S THE GOOD NEWS

ABOUT PHASING OUT THE "HALL

INCOME TAX" (TOMITA)

"AND THAT'S ATTRACTIVE TO PEOPLE

MOVING FROM OTHER

STATES THAT ARE HIGHLY TAXED ON

THEIR INCOME" THE BAD NEWS-

(TOMITA)

"THAT REPRESENTS ULTIMATELY

ABOUT $1 MILLION A YEAR OF

REVENUE TO

THE CITY THAT WE'RE GOING TO

HAVE TO REPLACE SOMEHOW"

(FLEMMING)

"IF WE HAD TO MAKE ADJUSTMENTS

WE WOULDN'T DO IT IN

ANY PARTICULAR PLACE BUT JUST TO

GIVE YOU AN IDEA OF THE AMOUNT

OF

MONEY WERE TALKING ABOUT $1

MILLION EQUATES TO ABOUT 150% OF

THE SENIOR CENTER BUDGET, IT'S

ABOUT 90% OF THE YOUTH ATHLETICS

BUDGET, AND THE LIBRARY BUDGET,

AND BAYS

MOUNTAIN BUDGET"

WITH THIS KIND OF HIT, CITIES

ARE ASKING FOR MORE POWER TO

GENERATE MONEY.

(FLEMMING)

"LOCAL GOVERNMENTS WOULD LIKE TO

HAVE THE

OPPORTUNITY TO HAVE AS MUCH

AUTONOMY AS POSSIBLE RATHER

THAN ALWAYS RELYING ON THE

STATE"

JOHNSON CITY MAYOR DAVID TOMITA

SAYS HE WOULD CONSIDER

A PREPARED FOOD TAX WHICH WOULD

BE A FEW CENTS ADDED ON TO YOUR

RESTAURANT BILL.

KINGSPORT CITY MANAGER JEFF

FLEMMING SAYS HE HOPES THE STATE

FINDS A WAY TO KEEP THE CITY'S

BUDGET WHOLE, BUT IF IT

DOESN'T...

"ONE OF THE OPTIONS WOULD BE TO

INCREASE THE PROPERTY TAX AND

TO GENERATE THAT AMOUNT OF

REVENUE THAT WOULD BE ABOUT

SIX CENTS WHICH TO A MEDIAN

HOMEOWNER IS ABOUT $20 A YEAR

BUT FOR A BUSINESS LIKE A LARGE

INDUSTRIAL BUSINESS WOULD

BE A QUARTER OF $1 MILLION A

YEAR"

FLEMMING SAYS CITIES SHOULD HAVE

AN ANSWER ON WHAT CHANGES

THE STATE WILL MAKE IF ANY BY

THE END OF THIS LEGISLATIVE

SESSION IN THE SPRING.

BEFORE THE LEGISLATORS LEFT FOR

NASHVILLE FOR THE

LEGISLATIVE SESSION, ALL THREE

TRI-CITIES MAYORS

PRESENTED THEIR TOP PRIORITIES.

ALL THREE TOLD LAWMAKERS THEY

WANT THE POWER TO TAX WITHOUT

GOING THROUGH THE STATE.

AN AUDIT IN BRISTOL VIRGINIA