My Dubai Dreams
For more infomation >> Мои Дубайские сны.Секреты Эмиратов.Dubai Dreams 2017. UAE is my Dream forever.My arab travel vlog. - Duration: 4:31.-------------------------------------------
Diabetic Nephropathy- causes, symptoms, diagnosis, treatment, pathology - Duration: 7:37.
Diabetic nephropathy refers to the kidney damage caused by both type I and type II diabetes.
Because of the growing number of people affected by diabetes, diabetic nephropathy is currently
the leading cause of end-stage renal disease in most developed countries around the world.
Each kidney has millions of nephrons, each of which is served by a tiny capillary bed
called a glomerulus.
The tiny arteriole that approaches the glomerulus is called the afferent arteriole - a for approaching,
and the arteriole that exits the glomerulus is called the efferent arteriole - e for exits.
The glomeruli are a tiny cluster of capillaries that are physically supported by mesangial
cells.
So when blood is filtered it moves through the endothelium lining the capillary, then
through the basement membrane, and then through the epithelium lining the nephron, and finally
into the nephron itself - at which point its called filtrate.
The endothelium has pores that keep cells from entering the filtrate,
and the basement membrane is negatively charged and repels other negatively charged molecules
and proteins, like the protein albumin.
The epithelium has of special cell type called a podocyte which looks like an octopus because
it has foot processes that wrap around the basement membrane, leaving tiny gaps between
its octopus-like projections called filtration slits.
In diabetes mellitus, there's an excess of glucose in the blood, because it can't
get into cells, and when blood gets filtered through the kidneys, some of that excess glucose
starts to spill into the urine, called glycosuria.
In addition, when there's a lot of glucose in the blood, it also starts sticking to proteins
in the blood — a process called non-enzymatic glycation because no enzymes are involved.
Because glucose can get through the endothelium, this process of glycation can also involve
the basement membrane of small blood vessels making it thicken.
The process particularly affects the efferent arteriole causing it to get stiff and more
narrow - a process called hyaline arteriosclerosis.
This creates an obstruction that makes it difficult for blood to leave the glomerulus,
increasing pressure within the glomerulus.
At the same time, the afferent arteriole dilates, allowing more blood flow into the glomerulus
and increasing pressure further.
High pressure in the glomerulus leads to an increase in the glomerular filtration rate--which
is simply the amount of blood filtered through per minute.
This is the first stage of diabetic nephropathy, called hyperfiltration.
In response to this high-pressure state, the supportive mesangial cells secrete more and
more structural matrix expanding the size of the glomerulus.
This matrix deposition and mesangial expansion happen uniformly, or it can result in little
nodules within the mesangium called Kimmelstiel-Wilson nodules - which are tiny little balls of protein.
The thickening of the basement membrane counterintuitively makes it more permeable—allowing proteins
like albumin through that otherwise would have been filtered out.
It makes sense if you think about our octopus friend once more - as the glomerulus expands,
the legs of the octopus naturally have larger gaps between them, in other words the filtration
slits widen, making it easier for substances to slip through.
So in the end, the key abnormalities in diabetic nephropathy are a thickened glomerular basement
membrane, mesangial expansion, Kimmelstiel-Wilson nodules, and disruption of the podocytes.
Eventually, these changes damage the glomerulus so much that it's unable to filter blood normally,
and the glomerular filtration rate decreases.
Typically, diabetic nephropathy starts quietly with no symptoms during the hyperfiltration
phase, but over time as more and more of the nephrons are affected, the kidney becomes
less and less effective and filtering the blood into the urine, and the glomerular filtration
rate decreases dramatically . Once the kidneys no longer can do their job of filtering the
blood, end stage renal disease results.
Because there are no overt symptoms of diabetic nephropathy, regularly screening the urine
of individuals with diabetes is super important.
Microalbuminuria, which means excreting 30 to 300 mg of albumin in a day, is a reliable
signal that diabetic nephropathy has started to set in.
Excreting above 300 mg per day is considered macroalbuminuria, and is a sure sign of a
problem.
Unfortunately, diabetic nephropathy is a progressive complication that can be significantly slowed
down but not completely stopped.
Keeping tight control on hypertension and hyperglycemia is critical.
Specifically, angiotensin-converting enzymes (ACE) inhibitors or angiotensin receptor blockers
can be particularly useful.
These not only lower blood pressure as a whole, but they also specifically reduce constriction
of the efferent arteriole.
By reducing this constriction, the pressure within the glomerulus and the damage that
comes from it.
Alright, as a quick recap, diabetic nephropathy is kidney damage that is caused by diabetes,
resulting in glomerular basement membrane thickening, mesangial expansion, and sclerosis.
An initial phase of increased glomerular filtration rate is followed by progressive albuminuria,
then a gradual decline in glomerular filtration rate, and finally renal failure.
This progression can be slowed by tight control of blood sugar and blood pressure and the
use of ACE-inhibitors or angiotensin receptor blockers to decrease pressure specifically
within the glomerulus.
Thanks for watching, you can help support us by donating on patreon, or subscribing
to our channel, or telling your
friends about
us
on social media.
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Is Real Estate Investing Worth It? Is Real Estate Hard? - Duration: 2:26.
Kris Krohn here with REITV and you know
a lot of comments down below from some
of these videos keeps on asking, "yeah, but
is owning real estate a lot hassle?" and
we're going to explore that today we're
going to look at the good bad the ugly.
so are rental properties a hassle?
Depends. Many of my properties most of
them, they don't, I don't, even hear about
them. But that's because I got people and
if you do real estate the way I do it,
you're going to want to have people
right? My people will talk to your people.
but real estate can also be a massive
pain in the bottom. How does that happen?
you didn't set it up right in the first
place, right? It's interesting you've
probably seen ads if you're looking at
real estate for this idea of making
money with a ugly real estate. It's
fascinating that you've got to really
hone it on your strategy and on your
niche. Because, you could take this
concept of ugly homes. I've done lots of
ugly homes these are homes that are a
little bit dilapidated need a little bit
of work. But, I'll do seller financing
where I'll put someone in the home that
wants to give it the TLC, I'll give them
equity, I''ll give them discounts and they
feel thrilled about having an
opportunity to step in that home.
Meanwhile, I got buddies that are buying
up the nicest real estate out there
don't have the equity, don't have the
margins, don't have the cash flow, and it
turns into a massive hassle for them. and
so, it's interesting that ugly real
estate can work well, beautiful real
estate can work, horrible. and odds,
absolutely the reverse as well
Hey, I hope you liked the video go ahead
and ask more questions. Comment below
Love creating videos really based off, of
this community and the comments and
questions that you have. We look forward
to getting in touch. and if you haven't
been watching more of our other videos,
go ahead and subscribe so we can let you
know when our fresh brand new videos
come out so there's hot off the press
and we begin be educating you on what
the lay of the land and real estate
looks like today to help you experience
as much success as possible. Thanks.
Take care.
I
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Joe Scarborough Admits Trump "Is Getting Worse", But Joe Helped Get Him Elected - Duration: 3:29.
MSNBC's Joe Scarborough is actually starting to get worried about Donald Trump's constant
incoherent rambling answers during interviews.
And, he said, "It's getting worse."
Here's the thing about Joe Scarborough.
Well, first of all, he's referring to the interviews that Trump gave in recent days
where he talked about Andrew Jackson being so pissed off about the Civil War in spite
of the fact that he'd been dead for a decade and a half before the war actually began.
Joe Scarborough sees these as troubling things that Donald Trump is saying.
But, again, Joe Scarborough helped to put Donald Trump in the White House.
There is no denying that.
Joe Scarborough, Mika Brzezinski used to have Donald Trump during the campaign call into
their show.
He didn't even have to show up in person.
I did a great interview at the time with Eric Boehlert from Media Matters about this.
All they had to do was get Trump's voice on the air.
They fawned over him all the time when they did events together, when they would show
up at his rallies.
At one point, Mika Brzezinski off air told Donald Trump that when he brought a guy who
helped get protestors out of the building up on stage, that was a wow moment.
She was so impressed with Donald Trump treating people like garbage.
And, that's what the Morning Joe Show has done since Donald Trump announced his candidacy.
So, yeah, it is getting worse, Donald Trump's speaking patterns, and the things that he's
saying.
It is slightly indicative of somebody who might possibly have Alzheimer's or dementia,
which is what Morning Joe's followers began to suggest on Twitter after Scarborough made
these claims.
But, Joe Scarborough needs to understands that he is partly responsible for the fact
that Donald Trump is our president.
Again, he and Mika went to Trump's New Year's Eve party at Mar-a-Lago as guests, not as
reporters, as guests.
These people don't hate Donald Trump.
They're not out there to expose the truth.
They created him.
They want to use him for ratings and whatever they can say, they'll say it just so they
get more eyeballs.
I mean, Joe Scarborough has been all over the place with Donald Trump.
He's been in favor of him.
He's been against him.
He's been his best buddy down at Mar-a-Lago.
He doesn't know where he stands on this issue because Joe Scarborough doesn't really stand
for anything.
He stands for ratings, much like Donald Trump.
So, when Joe Scarborough comes out and says something like, "It's getting worse.
This is worrisome.
We need to pay attention to this."
It's true but Scarborough doesn't necessarily mean it.
All he wants is a little bit more attention so he can get some more viewers on his Morning
Joe Show everyday.
Joe Scarborough helped to give us Donald Trump.
I will not give him any credit for anything he says that is critical of Donald Trump at
this point.
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american gods || everybody wants to rule the world (1x01) - Duration: 1:59.
I usually end up getting what I want...
on average, over time.
It's all about getting people to believe in you.
It's not their cash, it's their faith.
We have reprogrammed reality.
Language is a virus.
Religion, an operating system,
and prayers are just so much fucking spam.
Can you feel the joy rising in your veins
like the sap in the springtime?
-------------------------------------------
Mayor-Elect discusses future of North Augusta - Duration: 8:04.
- Welcome back to
The Means Report.
We appreciate you
staying with us,
and we are grateful
to Bob Pettit.
You know, this is a busy
time of year for Mr. Pettit.
He's about to get sworn in
as Mayor, his town is just
absolutely growing
by leaps and bounds,
but he's taken a moment to
stop by The Means Report
and discuss all of that with us.
And, so, we were
talking about all things
North Augusta in segment one.
I wanted to kick off this
segment, Mayor-Elect Pettit,
by talking about the Greeneway
and the extension of it.
People love the Greeneway,
people from both sides of the
river use it all the time.
Your thoughts on the
future for the Greeneway?
- Well, that certainly is a
highlight of North Augusta.
- [Brad] Yeah.
- And, one of the premises
of Project Jackson is that
it's going to increase and
help renovate our downtown.
And, the plan is to
extend the Greeneway
from the Riverfront up
into the downtown area
and that will help,
hopefully, rejuvenate it
and encourage small shops,
different restaurants,
and provide a place
for people to sit down
and relax,
and help commercially
with our downtown.
The difficulty is, you know,
it hasn't been a
lot of development.
They've talked about
it a long time.
- [Brad] Yeah.
- The city staff is
looking at the plan
to extend it to downtown
and I'm not exactly sure
when that's going to be
coming out for open discussion.
But, it's something
that we want to do.
- Yeah, when I think
of the Greeneway,
I think of people trying to
keep themselves in shape,
I think of recreational
activities.
What is North Augusta?
Is it an old folk's town,
a young folk's town,
an everybody town,
and if so, why?
You know, I picture the
Greeneway, I picture
folks riding their
bicycles, running, jogging,
and that kind of skews towards
the younger demographic,
but talk about whether the town
offers something for everyone.
- Well, it does offer
something for everyone,
and the Greeneway is used
by people of all ages
and interests.
It's a focal point, and
with Project Jackson,
we're hoping it'd bring in some
of the younger people to it.
We have old, established
neighborhoods
in Hammond Hills and those
type of neighborhoods,
plus we're getting new
neighborhoods up north of I-20.
Even my daughter lives up there,
and it's focused on young
people but also retirees.
So, if you want
something North Augusta,
I think we have the
facilities to take care of it.
Riverview Park has
a walking park.
They start early in the
morning, with senior citizens,
people my age, walking on the
park, getting their exercise.
And, during the day, you
have basketball leagues,
and then, at night, you have
all kinds of recreational
activities for the children.
So, you talk about it,
we've got it covered.
- What's the difference,
politically, between
North Augusta
and Augusta?
- In my opinion, the
big difference is
North Augusta has all of its,
the Mayor and the
six Councilmen,
elected at large,
and Augusta has
Councilmen elected by district.
And, so, there's a certain
parochialness, I would assume,
in Augusta that we don't
have in North Augusta.
People look at it for what
benefits all of North Augusta.
And, I've had some concern
over people talking,
to me, about, well, many
of your Councilmen, and I,
live down in the central
part of North Augusta,
how do we get interest, you
know, in the newer neighborhoods
that are developing up north?
Well, I would encourage people
to take advantage of the
opportunity to run for Council,
but to know, be assured,
that we're looking out
for their best interests
as well as any other
best interests in town.
- Any advice to get rid of
that parochial approach?
Any advice to get local leaders,
not just Augusta but anywhere,
to look beyond
their communities,
their neighborhoods,
and help an entire town, like
North Augusta's been doing?
How do you overcome it?
- That's a good question.
- I mean, it's tough.
- What I envisioned
is the citizens
creating a vision
for North Augusta,
what it wants to be.
I've said that if you don't
know where you're going,
how do you know
when you get there?
Somebody else told
me the other night,
if you don't know
where you're going,
how do you know
what road to take?
So, we need to figure out what
it is we want as a community,
as a city, and then we develop
programs and initiatives to
complement that vision
and what the people want.
- Are you the anti-Augusta?
And, whether you are or you're
not, being the anti-Augusta
may be to your benefit.
How do you see that
for North Augusta?
People flock there if
they're not happy here.
- I would not ever think of me,
and I would think, not this
city, as being anti-Augusta.
I mean, we're
separated by a river,
we have bridges across and, so,
we have to co-operate,
in my opinion.
We're not fighting one another,
we're working to better the
entire Metropolitan area,
that's what it's about.
You know, we get a lot of
people coming in North Augusta
to shop now, from Augusta.
They enjoy our restaurants.
They enjoy some
of our big stores.
You know, so it's a
co-operative thing.
We, unfortunately, go there
for restaurants, (chuckles)
chain restaurants, which
is something people in
North Augusta want a lot
of and we haven't yet been
successful getting them.
- Well, you do have some great
restaurants in North Augusta.
You know, I facetiously
said, when we went to break,
that North Augusta
stole the stadium
from Augusta.
(Bob laughs)
Do you see that as a big
win for North Augusta
and a big loss for Augusta,
that you all got that deal
and Augusta didn't?
- Well, if I remember
right, Augusta had a chance,
decided they didn't want
to, and I think it's a win
for North Augusta because
we're going to get a cohesive
development on our Riverfront,
which is going to
be a destination.
So, it's more than just a
ballpark and a ball stadium,
it's about the development
that's going to be around
that ballpark.
You know, the ballpark is going
to have the concourse open
all day, so people can go in
and walk around the concourse.
There's going to be a
restaurant, a beer garden,
in right field, it's patterned
after the Giants Stadium
where, hopefully,
somebody will hit a ball,
home run into the river.
- [Brad] It is.
- So, it's fascinating.
- Well, in all
fairness to Augusta,
as the ultimate optimist,
former Mayor, Deke Copenhaver,
continues to say, everyone's
going to benefit, right?
Both sides of the
river, don't you think?
- Absolutely, it's, you
know, downtown Augusta is
rejuvenating itself.
The restaurants, you know, it's
almost like Yogi Bear said,
nobody goes there anymore at
night because it's too crowded.
- [Dan] (laughs) Yeah.
- [Bob] You can't find a
parking place if you want to
go to a restaurant
in the evening.
So, you know, it's
a give and take.
We're helped by them, we're
going to help them as well,
so it's,
it's a positive.
- I agree with you there.
It is something that is making
both sides of the river boom.
You are seeing a beautiful
thing happen in downtown Augusta
and in North Augusta.
Probably my last question.
I received, I think,
the ultimate compliment
for North Augusta.
A man from Greenville came
down, a relative of my wife's,
and said how blown away
he was by North Augusta,
and how much that town
had it on the ball.
From someone from Greenville.
Do you see yourselves in
the future being like,
or even equal to,
Greenville, South Carolina?
What a great town that is.
- It is a great town
and I think if we can
get our downtown going,
Georgia Avenue a little
bit under control from
a traffic standpoint,
expand into the alleyways,
which are behind West
Avenue and East Avenue,
Project Jackson,
Exit five, Exit one,
the new residential
developments,
renovation of our
existing shopping centers,
it's happening,
and we're going to get there.
I'm convinced of it.
Our comprehensive plan,
the citizens are behind it,
and we're ready to go.
- Well, it is certainly fun to
watch here from the sidelines
and to cover it.
Mayor-Elect, Bob Pettit,
congratulations on your win
and best of luck as Mayor.
- Thank you.
- Absolutely, North
Augusta Mayor, Bob Pettit,
a student of the
game for so long,
now he is running the show there
on South Carolina's Riverfront.
When we come back, a couple
-------------------------------------------
Kim Russo, CEO, on How GW Hospital is Different from Others - Duration: 0:52.
I think GW Hospital is differentiated by its partnership with the faculty as well as
The School of Medicine and Health Sciences.
Because of that partnership, we're able to provide a continuum of care, specialized services
as well as meeting your basic need.
And I would say the employees base.
It's one thing that the other competitors do not have, and I'm a little biased, but I think
that we do have best-in-class employees that are really able to provide that high-quality care.
And then lastly, the research and education.
We're an integrated system that allows us to continually try to define medicine through
translational research and educate providers of tomorrow, making sure that we are providing
the best technology that allows us to meet the industry's expectations today.
-------------------------------------------
THE REAL REASON WE DON'T EAT HEALTHY #AskDailyMuscleShow Ep. 16 - Duration: 13:38.
(gym goers chattering)
- So here we have our 6:30 class working out.
(upbeat music)
Okay, I'm not gonna go inside,
it's a little....
8
- Okay, hang on.
Everything you say now, the whole world gets to hear.
We're going live.
We're already live.
(laughs)
Okay, hey everyone.
This is episode number 16.
And today I wanna talk to you about something
really simple and straightforward.
Which is the reason we don't eat healthy,
or we don't exercise.
What do you think it is?
I have an audience here.
There we go.
I'll show you.
They are here early for the 7:30 class
which is great.
There's Joy, there's Constance, that's Florence
with her phone, she's following up something
pretty important on her phone.
(laughing)
Okay so...
What we're talking about, the real reason why
people don't eat healthy and exercise.
Why, Constance?
Why don't people eat healthy and exercise?
The real reason?
- [Constance] Eat healthy.
It's just called pure greed. - Pure greed?
So that's why we eat unhealthy.
Why we eat the lassi, biryani, and all of that,
is because we're greedy.
Do you say that? - There's a spread there
and it says come-- (laughing)
- Listen guys, here.
Constance said that there was a buffet,
and the buffet said just come.
- Come and taste me! - Come and taste me.
That's right.
And I'm sure we can all relate to that.
Okay, I'm gonna get into my topic now.
So here's what I think the reason why
a lot of us don't eat healthy, or don't workout.
It's not because we think it's not important.
We know it's important, right?
We know eating healthy is important.
We know working out is important.
So why don't we do it?
- [Constance] We just don't wanna discount it.
We're just quite comfortable where we are.
- We're comfortable where we are.
- Effort. - Extra effort.
So here's the thing-- - Sacrifice.
- Sacrifice. (Constance chattering)
Constance, I'm gonna put the mic on you,
you're gonna take over.
(laughing)
Okay, guys.
So, here's the thing.
The real reason I believe we don't eat healthy,
and we don't work out, is because we just
don't place enough importance to it.
It's not because we think it's,
I'm gonna change the view.
This is a much better view over here.
A little audience there.
It's priorities.
So it really is...
Should I move my camera over there?
(laughing)
And they're laughing.
Okay.
It's gonna be so hard to focus.
But this is good, this is live.
This is what happens.
And I'm looking at all these people
posting your comments.
And if you have any questions anyone,
just post the comments below, I'll go back
and I'll answer it as well.
But yeah, that's right, this is a much better angle.
But yeah, so we're talking about the real reason.
And we believe, and I have a little quote for you
I wanna put, okay.
So it says that, "If it's important to you,
"you will find a way.
"If it's not, you will find an excuse."
True? - Yes!
- [Kim] How true, true!
- [Constance] How do you get motivated, stay motivated?
- How do we stay motivated?
How?
- It's great to start.
But the consistency,
- Correct.
I covered that in a different video already.
(laughing) So, I won't tell these guys.
Constance is asking about how to do,
how do we get started, how do we stay motivated.
And I'm not sure which episode that is,
but I'm sure I could pull that up.
But I've done that.
So today, we're talking about why we don't do it.
So a lot of times, we think that
we're gathering information.
We think that we don't know enough,
we don't know the best workout it,
we don't know what the healthiest food is,
so we don't eat healthy.
We keep putting it off.
But that's really not the issue.
The issue really is, is that we don't start,
and we don't give it enough importance.
Because we all know what's good for us.
So for example, how many hours of sleep
do we need in a day, Constance?
- How many what?
- How many hours of sleep do we need in a day?
- About eight. - Do you get eight hours?
- No. - No.
So it's not really because you don't know
how much sleep we need.
It's because it's just not important enough.
There are other things important.
- It's just that-- - Because something else
is more important, like you gotta get to work.
That's more important, right?
So that really is it.
So, same thing with workouts.
It's not that we don't know that it's good for us,
it's just that if it's important enough,
we'll place a priority to it.
Same thing with eating healthy.
It's not like we don't know that fast food is bad.
We know. - I just don't.
I was at Ben's. - You were at Ben's?
And then? - It's right in front
of my face, cheddar cheese truffles.
- Cheddar cheese truffles?
And then do you have it?
Did you buy it? - No.
Actually, I thought of you all, and I did not order them.
- But thanks for being real and honest.
- Coming to exercise helps.
- Coming to exercise helps, that's right.
So here's the thing.
You guys are okay, because you're here,
you realize it's important, you show up
for your workouts, it's fine.
But a lot of people out there who actually
they know it's good for them, but they're just not doing it.
So my message to you all watching this today,
it's simple, it's that I know why you're not doing it,
it's just because you just don't place enough
importance to it.
You say it's important, but you gotta show me,
show yourself that it's important as well.
Right?
You know if you don't eat three meals a day, you might,
you're not gonna die, but it's gonna be really hard.
So you find your meals important enough,
you place enough importance to your meals,
so you eat it.
But if you don't workout, you're not gonna die.
You don't workout for a year, you're not gonna die,
so it's not that important.
So that just really boils down to that.
And actually see a lot of comments and questions
coming in, so let's see.
We got some questions.
Oh wow, look at, oh wow, that's a lot of questions.
Hi, see, the controversy you created.
(laughing)
Hey, Ruwinnie, Selena, Selena I miss you.
Anwar, we miss you, too.
Cheryl, Eswar and Adrian.
Ruwinnie says, and look at this.
This is just really, this is true, right?
I can relate to this.
She says that she has to skip her workouts,
because her boss thinks she's going home early.
True.
Yeah.
And then I work on the other end with this company,
and said how do we get our workers to exercise more?
Yeah, you bosses let them go.
- [Constance] Fantastic.
- Right?
I can totally agree with you Ruwinnie.
Trust me, it's just not your boss.
A lot of companies have to do it as well.
Vicky says she's been doing the Atkins diet,
and Paleo for two years, but still I can't
break my plateau.
Two years, wow.
Here's the thing, Vicky.
If you want something you've never had,
you've got to try something you've never tried before.
So how about you try something else?
Doesn't mean that one way of eating
is the only way to do it.
So if you hit a point where you're not seeing
any more progress, how 'bout you change
and switch things up a little bit?
Okay, so that's my advice to you.
Hi Felicia, hi Natasha.
Ian's here, Moona's here, Jevan saw her, Devan's here.
I am taking questions.
There's 11 of you here, watching.
And I don't normally do these videos for a long time,
but since we have a lot of people.
Do you have any questions?
Otherwise, I'm gonna tune out.
Hi, Angela.
Hey Ronald.
Ruwinnie says that Vicki should try intermittent fasting.
Well there's so many things you can try.
And at the end of the day, I just feel that,
okay, Constance let's ask you.
This is gonna be fun.
Lily ran away.
Lily ran away 'cause she doesn't wanna be live on video.
But Constance a show stopper.
Okay, let's look at what the class is doing in there.
That's fun, too.
Look at them in there.
They're not working out, they're just playing the fool.
You don't workout here, you don't workout.
We just play inside there.
Okay.
Constance, I wanted to ask you, what's the best diet?
- What is the best diet? - What's the best diet.
- You tell me.
- No, no, to you. - To me?
I like to eat fruits. - You like to eat fruits?
- Or vegetables. - Have you heard
of the Atkins diet? - No.
- No? - What is that?
- High protein-- - High protein, high fat.
No carbs, eat all the bacon, and all that you want.
- Oh wow. (laughing)
- She's gonna go on the Atkins diet tomorrow.
Lily, what's the best diet?
Lily's hiding behind there, 'cause she
doesn't wanna be on video.
No, they can't see you, don't worry.
But they heard your name.
- [Lily] Best diet?
- Best diet.
- Best diet is-- - Florence always knows
the answers-- - Don't' lie.
The best diet is one that we keeps you
with all the nutrition that you need.
- Yeah. - High protein,
high, lots of vegetables, less carbs.
You need carbs, but choose the right carbs to eat.
- Hear that, you need your carbs.
- Yeah, you need your carbs.
Have a lot of fat, because fat--
- Have enough fat, you need your protein.
At the end of the day, so there's all these
kinds of diets happening.
We have the Atkins diet, we have people doing
intermittent fasting, we have people going
what else is it, Keto, ketogenic diet,
which is high protein, high fat again.
Your getting to ketosis, and your breath stinks
and all of that, and then you lose fat,
but you feel great.
There's so many kinds of diets out there.
At the end of the day, listen.
The best diet is the one that works for you.
- Yeah, works for you. - How do you discover that?
- You're gonna try it.
- You tried it?
- No try.
So someone will come and tell you,
Constance, the best diet is, you gotta go Paleo.
Sure, you don't eat rice and all of that.
You try and eat what the ancestors.
- It doesn't work, I tried that.
- Correct.
So that won't work for you, right?
So maybe you try the Atkins diet,
and you love it, and you can stick with it
no problems, and you feel great.
Then do it.
- Is rice okay? - Is rice okay?
I covered that in a different video.
It means you haven't been watching my videos.
- No. (laughing)
Absolutely have not.
- Well you guys have been watching my videos.
(laughing)
This is fun.
I should do my live videos at this time.
You should come.
Tell me when you're coming next.
- I'm so (murmurs).
- You're a conversation starter.
Most people run away when they see the camera like...
- [Lily] I run where they cannot see me.
- Cannot see you, but if I come there,
everyone can see you.
I don't know, camera shy, I think.
All right, guys, I'm gonna head back to my computer,
and see if there are any questions.
Otherwise, I'm going to tune out.
Rice is okay?
It's okay, I don't think rice is bad.
It's bad if you, the problem is we just eat
too much of it.
That's the problem.
- Eat too much of rice is bad. - Constance is asking,
is rice bad?
Rice isn't bad.
We eat too much of it, that's the problem.
Cool.
Hey, Rebecca, we miss you too.
Wednesday, you're coming Wednesday?
Ruwinnie, everybody else.
Hi Prima, Felicia.
Is the Keto diet effective to lose weight?
Yeah, so Felicia, like we were just saying,
at the end of the day, try it,
if it works for you, fine.
But if you fail miserably, and if you really struggle
to stick to it, then don't.
It just doesn't work for you.
It doesn't mean it's not a good thing to do,
it's just that if it doesn't work for you don't do it.
Wong Chun Ting, I normally workout after work
Let's say eight P.M., I finish 10 P.M.
Is is okay to take your meal after that?
Chun Ting, I think it's fine.
It doesn't really matter what time you have your meals,
as long as you consume it in that day.
But here's the thing, sometimes you may feel
uncomfortable to have a meal, and then go to bed
within two hours.
But the whole thing of whether people say
that if you eat already, you cannot go to bed,
you need to walk to let it digest.
All that just bullshit.
Okay?
Eat whenever is comfortable for you,
maybe prepare your meals earlier.
But if you can eat at 10 P.M., and you feel fine,
then it's fine, stick to it.
But if you eat at 10 P.M., and you feel
really uncomfortable, and you can't go to bed,
you can't sleep because you're stomach's working overtime,
then don't, then you wanna eat earlier.
There we go.
Cool.
That's it, guys.
I'm gonna tune out.
Thank you so much for watching.
Again, if you still have any comments below.
Just post it.
I will take a look at it later,
and answer those questions.
Here comes the 6:30 class.
Easy workout today?
(class responding)
Easy, you have make up on.
- [Gym Member] I was late.
(laughing)
- That's okay. Bye.
-------------------------------------------
Ohm's Law - The Keysight 2-Minute Guru (s2e6) - Duration: 3:56.
So far this season we've talked about
resistance, voltage, and current is now
time to put them all together!
For practical circuits we can relate current
voltage and resistance together using
Ohm's law. Voltage = current x resistance
Now, Ohm's law is an empirical
law, which in "2-Minute Guru" terms means
it works when it works and not when it
doesn't. Take, for example, the Jacob's
Ladder. When the electrodes are close
enough together there's a voltage from
the transformer, there's current between
the electrodes, and there's resistance in
the ionized air. It's roughly going to
follow Ohm's law but when the electrodes
are too far apart
there's voltage, twelve thousand Volts
between the electrodes and there's
resistance in the air but there's no
current flowing. So, this is a case where
it wouldn't follow Ohm's law. For general
circuit analysis Ohm's law works. And
it's pretty straightforward, so we use it.
For more complex and complicated
electrical systems you can use Maxwell's
equations. So, what Ohm's law really means
is that voltage is directly proportional
to both current and resistance and
current and resistance are inversely
proportional to each other. For circuit
design you can fine tune two of the
components to control the third. So I
have a very simple circuit set up with
my oscilloscope's WaveGen and a resistor. We can
see on the oscilloscope that if I increase the voltage
(channel one), then my current is
also going to increase - which is channel
two. And, likewise, if I decrease the
voltage my current is going to decrease, as shown on the oscilloscope.
Resistance is constant, so if voltage
increases current has to increase
according to Ohm's law. And if I decrease
the resistance by adding another
resistor in parallel we should see an
increase in current on the oscilloscope. We have a constant
voltage and sure enough our current has
increased proportionally to the decrease
in resistance. Let's look at a practical
example - lighting an LED. LEDs are super
current sensitive. If you drive too much
current room you're going to break the
component, it's not going to work anymore.
So, using the function generator I'm
going to apply about 5 volts DC. Right
now I'm applying 5.8 V or so.
This is going to drop about 0.7V
and I'm going to use a two hundred
ohm resistor in series with my LED to
limit the current, and this should get me
using Ohm's law about 25 mA of
current through the LED, which is enough
to make it bright enough to see by the
camera, but probably a little more than
we would normally want to drive to an
LED long-term. I'm going to plug in my resistor
and I'm going to connect my LED (long
side is positive) and let's see how much
current we're driving and it looks like
we're driving about 25 mA which is
exactly what Ohm's law tells us we
should be driving. Let's see what happens
if I remove the resistor and drive too
much current through the LED. I'm going
to turn the lights out. So I'm going to
pull the resistor out and plug in my LED.
And, since I'm current limited by my
power supply (constant current mode), I'm going to
crank this up and you can see that my
LED is now dead. It's trying to hang in
there a little bit, but driving that much
current through it killed it.
So, by practically using Ohm's law we can
make sure we don't kill our LEDs.
You didn't die in vain little LED
So, Ohm's law can be super helpful when
you're designing circuits in the real
world. And it applies to almost all of
the electronic circuits that we're using
today. That's all we have time for today
make sure you subscribe to the keysight
oscilloscopes youtube channel if this
video is helpful or interesting hit the
share button hit the like button and of
course if there's anything you want me
to cover put it in the comments below. I
read each and every single one of those
comments thanks for watching I'm Daniel
Bogdanoff and I will see you next time!
-------------------------------------------
How Brightspace is Providing a Better Experience for Employees, Partners, and Customers - Duration: 0:59.
For more infomation >> How Brightspace is Providing a Better Experience for Employees, Partners, and Customers - Duration: 0:59. -------------------------------------------
Road To Madness | Royalty Free Music | Background Music | Rock - Duration: 3:16.
Another Rock Release by LZ Sound!
-------------------------------------------
WHAT IS THE BEST GIFT TO GIVE SOMEONE? | The #AskNick Show Ep. 17 - Duration: 2:06.
It's like snow everywhere. Hey what's up
youtubers, it's nick here it's still
freezing cold. It's snowing everywhere
and the topic I wanted to talk to you
about today a question that I got is
what is the best gift you can give
someone and for me what I found is what
I called a just because gift that is
always the best one I think a lot of
people come in here especially guys out
there well we'll want to give someone
such an expensive gift we want to buy
something that's a thousand dollars and
we want the diamonds and the gold and
the all this big all these big things
but what we don't realize for our
partners for our friends for our peers
for our family the most effective one is
a just because gift out of nowhere
because there is no holidays attached to
it it's not attached to anniversary or
birthday or anything but just to show
your appreciation the fact that because
they're our lives the fact that they're
in your presence and in your company
you're grateful for that that is the
best kind of gift and it could be a
letter it could be a flower it can be
any gesture just showing your
appreciation and I feel like those are
the most effective ones so again if you
want to show red you want to show
appreciation do a "just because" gift
random out of the blue no expectation
nothing out of it. Try it out see how it
works for you and comment below tell me
what have you guys done before if you
guys got gift just because from someone
else what was it and what was your
reaction so test it out and let me know
how it goes thanks
-------------------------------------------
Why Jimmy Kimmel Is Wrong On Obamacare - Duration: 3:57.
last night presenter Jimmy Kimmel spoke
of how less than two weeks ago his son was born with
a congenital heart defect almost died
It was a heart-wrenching story and I
really recommend that you go and watch the
video because he visibly chokes up while
he recounts this horrible event and
obviously we all express great sympathy
with the Kimmel family and sadness for
how close their son came to death after
delivering this monologue which left the
room silent he then started talking
about Obamacare and how President Trump
wants to repeal it and I just thought I'd
offer you my reaction to what he said he
spoke about how before 2014 if you were
born with a congenital heart defect
disease like his son was there
was a good chance you could never be
able to get health insurance because you
had a pre-existing condition now that's
a fair criticism of Trump for getting
rid of the pre-existing condition clause within
Obamacare but he's not planning on doing
that and he never was planning on doing
that in fact he said that he would leave
that clause in and allow people stay on
their parents plans until they're 25 so
I don't quite know where Kimmel was getting
this from it does sound a bit like
virtue signaling in my opinion Kimmel
went on if your baby is going to die and
it doesn't have to it shouldn't matter
how much money you make I think that's
something now whether you're a
Republican or Democrat or something else
we all agree on that right whatever your
party whatever you believe whoever you
support we need to make sure that people
who are supposed to represent us us and
people who are meeting about this right
now in Washington understand that very
clearly let's stop with the nonsense
this isn't football these are no teams
we are the team it's the United States
don't let their partisan squabbles divide us
on something every decent person wants
we need to take care of each other now
he's conflated two ideas here I agree
with the second point the idea that
America is a charitable nation and that
we are one team that we should care for
each other as he says but the fact is
that Obamacare and socialized health care
have undermined that they've gotten rid
of the church the family that originally
used to provide health care to people
and now the state does it by stealing
money off other people to pay for it so
the second part of what he said was
completely correct but how on earth
he's linked this to Obamacare a system
which has obstructed the very thing he's
promoting it confuses me quite a bit
actually and he speaks about how if your
baby is going to die it shouldn't matter
how much money you make or anything like
that the child should be protected
firstly why I say is no matter whether
the health care system is a free-market
system or a socialized healthcare system
the child will always be protected even
in completely free market systems you
never have the case where somebody dies
on the street because they have no
choice what always seems to happen is
that people choose not to get insurance
and that's mainly because they can't
afford the insurance or because they'd
rather pay out of pocket that doesn't
mean that they will die or that they won't
be treated by a doctor
it simply means that they don't want to
get insurance if you disbelieve this
then I can give you concrete proof the
fact that when Obamacare was passed he
forced people to get insurance the
individual mandate you have to get
insurance and yet a great many people
still chose not to get insurance even
though they lose money and that just
validates my point that a certain sect
population will always choose not to get
insurance just like in my country or in
or in socialized health care systems
even when the government controls health
care a certain sect of the population still
chooses not to utilize it chooses to get
dental health care not to go to the GP
GP so the argument that by trump
repealing obamacare it would mean that
children would not be treated I think is
ridiculous
before the American healthcare system
was made worse by government regulations
even then you had the case where
charities and other family members would
support each other I think that what
happened the Jimmy Kimmel his family was
absolutely horrible but I think that
Obamacare is not the savior of little
children it doesn't protect little
children and I think that the way to protect
more children if that's what you really
want to do then you've got to repeal it
and replace it with a system that
actually works
-------------------------------------------
In-School Child Sex Abuse Story Is Shocking - Duration: 2:21.
Hi, my name is Kim Cullen and I am a
Florida child sex abuse attorney. I
wanted to share with our viewers a new
article, that I saw that was published by
The Associated Press over the weekend,
that deals with child sexual abuse in
our schools across America. I was shocked
to read that in a study done by the AP
over the last year, between 2011 and 2015
there were 17,000 child sex abuse events
in America's schools. This is a shocking
number to me. These were child-on-
child events, not adult-on-child events.
I also learned in the article that child-
on-child sexual abuse events in schools
are seven times more likely to happen
than adult-on-child cases. We've handled
our share of adult-on-child cases and
they're all disgusting - and they're all
very difficult to understand -but
situations where children are attacking
children, the schools still owe
the same duty of supervision to
supervise and keep children safe that
they do with adults as they do to
children. So, it's just really
surprising that there were that many
events over that period of time
involving kid-on-kid crimes. The way
the statistics break down, apparently
there are a few incidents in elementary
school, and a few incidents in high
school, but the majority of the incidents --
the biggest percentage of the incidents --
occur in middle school, which is, again,
surprising to me. I sort of thought it
would be high school. At any rate, I urge
you -- if you're interested this topic -- I
urge you to read the article. I will post
a link to the article in the information
section beneath this video on YouTube. If
you have any questions about child sex
abuse cases, or how they're handled, or
how they're dealt with in Florida, please
call me or my law partner, Robert
Hemphill, at 407-254-4901,
or visit our website
at www.cullen-hemphill.com.
-------------------------------------------
How 3D printing is changing the way we make (and break) smartphones - Duration: 2:08.
My name is Eric Duoss
I'm a research engineer here at Lawrence Livermore National Laboratory
I work on new additive manufacturing
or 3d printing technologies
specifically developing new materials
for those processes for a wide range of end applications.
3d printing or additive manufacturing
is really powerful
because it gives you the possibility of
controlling now very precisely
composition and structure. And often you
can do that at the micro scales or even nano scales now.
One example that we've been developing
here at Lawrence Livermore
are mechanical energy
absorbing materials.
These are things that will resist an impact.
One can think about in the context of a smart phone
drops and cracks due to drops.
Could you design a better mechanical energy
absorbing material to cushion that impact.
One of the things that we're very interested in pursuing
with three-dimensional printing
is energy storage.
For example lithium-ion batteries
for electrochemical energy storage.
This is just a mock-up and you
can start to print these active materials.
In this case you might have
the red material be a cathode, the blue material be an anode
and you can better distribute them in space
as opposed to planar stack ups
or films of active materials
which are typically what batteries are composed of.
In a normal battery
that layers are thicker
so it can store more energy but
it can't charge and discharge as quickly.
But now if you architect them in three dimensions
you can get the best of both worlds.
In traditional smartphones there are a lot
of rare earth critical materials
that often they'll end up in a landfill
There's more and more efforts to recover
those but that in and of itself causes problems.
It's very laborious
often these materials are toxic
so with carbon-based electrodes
such as these graphing aerogels
one can think about really
limiting the environmental impact
especially when it comes to smartphones
simply because its carbon and it has
very typically very benign impact to the environment.
There is increasing interest
in this emerging technology and I think
you're going to start to see
3d printed elements show up in
smart phone technology very very soon.
-------------------------------------------
tractor accident best video 2017 ever seen best tractor video - Duration: 4:23.
tractor accident best video 2017 ever seen best tractor video
-------------------------------------------
No Place Like Home - 2017 H.O.P.E. Expo - Duration: 28:30.
[ MUSIC ] >>Karmen: WELCOME TO
"NO PLACE LIKE HOME," THE RADIO SHOW COMING TO YOU
ON WRXB 1590 AM, 96.5 FM, AND PINELLAS COUNTY CONNECTION TV.
THIS PROGRAM IS PRESENTED TO YOU AS AN OPPORTUNITY TO HEAR
INFORMATION THAT CAN HELP YOU FULFILL THE DREAM OF OWNING
YOUR VERY OWN HOME. WE ALSO SHARE INFORMATION ABOUT
UPCOMING SPECIAL EVENTS AND PROGRAMS TO HELP YOU ENJOY THE
GOOD LIFE IN PINELLAS COUNTY AS WELL AS OTHER ITEMS OF INTEREST.
THE SPONSOR OF THIS PROGRAM IS THE HOUSING FINANCE AUTHORITY OF
PINELLAS COUNTY, WHICH OFFERS THE FIRST-TIME HOMEBUYERS
PROGRAM. I'M KARMEN LEMBERG,
YOUR HOST FOR TODAY'S SHOW. MY COHOST, JULIAN, COULDN'T BE
HERE TODAY. AND I'M WISHING HIM WELL AND
MISSING HIM VERY MUCH. TODAY WE'LL BE TALKING ABOUT THE
EVENT OF THE YEAR AND ONE THAT IS NEAR AND DEAR TO OUR HEARTS
AT THE HOUSING FINANCE AUTHORITY -- THE H.O.P.E. EXPO.
THIS IS A DON'T-MISS EVENT, IF YOU'RE THINKING ABOUT BUYING
A HOME. WE WILL BE JOINED BY TWO MEMBERS
OF THE ORGANIZING COMMITTEE WHO ARE PRESENTING HOMEOWNERSHIP
OPPORTUNITIES FOR PEOPLE EVERYWHERE, AKA,
THE H.O.P.E. EXPO. COMING UP, JEANETTE HACKETT AND
VANN DENNIS WILL PROVIDE US WITH ALL THE DETAILS.
AND BEFORE WE INTRODUCE JEANETTE AND VANN, I'VE GOT A
MESSAGE FROM OUR SPONSOR, THE HOUSING FINANCE AUTHORITY.
THE HOUSING FINANCE AUTHORITY OF PINELLAS COUNTY IS OFFERING THE
FIRST-TIME HOMEBUYERS PROGRAM, YOUR KEY TO HOMEOWNERSHIP,
HELPING PEOPLE IN PINELLAS, PASCO, AND POLK COUNTIES MAKE
THEIR DREAMS OF HOMEOWNERSHIP A REALITY.
THE FIRST-TIME HOMEBUYERS PROGRAM IS FOR INDIVIDUALS WHO
HAVE NEVER OWNED A HOME, HAVE NOT OWNED A HOME IN THE
LAST THREE YEARS, OR VETERANS. THE HFA, WORKING THROUGH A
SPECIALIZED GROUP OF LENDERS, OFFERS A LOW RATE ON ITS
30-YEAR, FIXED-RATE MORTGAGE, AND WE CAN HELP YOU WITH DOWN
PAYMENT AND CLOSING COSTS AS WELL.
WE ARE PLEASED TO ANNOUNCE THAT THE HOUSING FLORIDIANS PROGRAM
IS OPEN NOW FOR THOSE WHOSE INCOMES ARE LESS THAN 80%
OF THE AREA MEDIAN INCOME. WE HAVE A SPECIAL PARTNER IN
THIS PROGRAM, CENTERSTATE BANK, WHO WILL PROVIDE A GRANT EQUAL
TO 50% OF OUR DOWN PAYMENT ASSISTANCE.
TO GET YOUR KEY TO HOMEOWNERSHIP, VISIT
www.PINELLASCOUNTY.ORG/HFA, AS IN HOUSING FINANCE AUTHORITY.
FOR MORE INFORMATION OR COMMENTS ABOUT THE SHOW, E-MAIL US AT
newhome@pinellashfa.com. NOW IT'S MY PLEASURE TO
INTRODUCE TODAY'S GUESTS. TO LEARN MORE ABOUT THE H.O.P.E.
EXPO, JEANETTE HACKETT, VICE PRESIDENT OF THE MORTGAGE
DIVISION OF BB&T HOME MORTGAGE. SHE'S BEEN LENDING FOR 38 YEARS,
SPECIALIZING IN FIRST-TIME HOMEBUYERS.
SHE'S NEW WITH BB&T HOME MORTGAGE.
WE APPROACHED HER FOR HER EXPERTISE IN DOWN-PAYMENT
ASSISTANCE PROGRAMS IN THE STATE OF FLORIDA.
I'VE WORKED WITH JEANETTE FOR A REALLY LONG TIME.
IT IS A PLEASURE TO HAVE YOU ON THE SHOW.
SHE CURRENTLY IS SITTING ON THE BOARD OF THE H.O.P.E. EXPO
AS SECRETARY. VANN DENNIS, SHE WORKS FOR A
WONDERFUL AGENCY, CLEARWATER NEIGHBORHOOD HOUSING SERVICES,
AS THE SENIOR HOUSING COORDINATOR/CREDIT COUNSELOR.
IN THE '90s SHE WORKED FOR THE AGENCY, LEFT FOR A WHILE AND
CAME BACK THREE YEARS AGO, AND SHE'S VERY EXCITED TO BE
BACK AT THIS AGENCY. THANK YOU SO MUCH FOR BEING WITH
US TODAY, YOU GUYS. I REALLY APPRECIATE IT.
I KNOW IT'S A FUN TIME FOR YOU TO BE HERE AND EXCITING TO BE
INVOLVED IN THE H.O.P.E. EXPO. SO, JEANETTE, GIVE US A BRIEF
OVERVIEW OF WHAT THE H.O.P.E. EXPO IS.
AND WHEN IS IT COMING? >>Jeanette Hackett: IT'S COMING
JUNE 10th, AND IT IS A LARGE EVENT WHERE ABOUT 380 PEOPLE
WILL BE THERE TO OBTAIN THEIR FIRST-TIME HOMEBUYERS
CERTIFICATE, WHICH IS NECESSARY TO OBTAIN THE FIRST-TIME
HOMEBUYER GRANTS THROUGH THE STATE AND THROUGH THE LOCAL
CITIES AND COUNTIES. >>Karmen: GRANTS AND LOANS.
>>Jeanette Hackett: AND LOANS, YES.
>>Karmen: WONDERFUL, WONDERFUL. SO IS THERE A COST TO ATTEND
THIS? >>Jeanette Hackett: NO.
IT'S FREE. >>Karmen: TO ANYBODY.
>>Jeanette Hackett: TO ANYONE. >>Karmen: SO PEOPLE CAN SIGN UP
FOR THE CLASS AND COME OR THEY CAN EVEN JUST COME TO THE EXPO
PART, RIGHT? >>Jeanette Hackett: YES,
THEY CAN. WE'RE ENCOURAGING
PREREGISTRATION. >>Karmen: PERFECT.
>>Jeanette Hackett: AND THEY CAN DO THAT THROUGH THE LINK
THROUGH Facebook. >>Karmen: Hopeexpo.org AS
WELL, RIGHT? >> hopeexpo.org, CORRECT.
>>Karmen: PERFECT, PERFECT. NOW IT'S A FULL DAY.
CAN PARTICIPANTS BRING THEIR LUNCHES OR WHAT HAPPENS
WITH THAT? >>Jeanette Hackett: LUNCH IS
BEING SUBSIDIZED, SO A BOX LUNCH WILL BE AVAILABLE.
IT'S GOT A SANDWICH, COOKIE, CHIPS, SODA, AND WE DO THAT
EVERY YEAR. AND IT'S VERY GOOD.
>>Karmen: IT IS. IT IS.
I CAN ATTEST TO THAT HAVING BEEN GOING FOR SEVERAL YEARS MYSELF.
WHAT ABOUT PEOPLE WITH CHILDREN? >>Jeanette Hackett: IT'S A FULL
DAY, AND THERE IS NO DAY CARE FOR CHILDREN.
SO WE ENCOURAGE THAT YOU MAKE OTHER ARRANGEMENTS.
>>Karmen: SURE, NO PROBLEM. SO, VANN, TELL US ABOUT THE KIND
OF INFORMATION THAT FOLKS WILL RECEIVE AT THE EXPO.
>>Vann Dennis: THE INFORMATION THAT EVERYONE WOULD RECEIVE AT
THE EXPO WILL BE GREAT INFORMATION FOR THEM TO MOVE
FORWARD INTO THE HOME-BUYING PROCESS.
THEY'LL BE PROVIDED WITH THE HOMEBUYER EDUCATION CLASS WHERE
THEY'LL RECEIVE THEIR CERTIFICATE AT THE END.
ALSO, THERE WILL BE MANY VENDORS THERE TO PROVIDE THEM WITH
INFORMATION ON THE SERVICES THAT THEY PROVIDE.
>>Karmen: SO SPEAKING OF THAT, TELL US SOME ABOUT THE
EXHIBITORS YOU'RE GOING TO HAVE THERE.
WHO CAN WE EXPECT TO SEE THERE THIS YEAR?
>>Vann Dennis: WE HAVE LOTS OF EXHIBITORS.
WE'RE LOOKING TO HAVE QUITE A FEW BANKS.
NONPROFITS SUCH AS TAMPA BAY CDC, CLEARWATER NEIGHBORHOOD
HOUSING SERVICES. SO WE'RE LOOKING FORWARD TO ALL
OF THE VENDORS THAT ARE COMING TO SET UP AND PROVIDE
INFORMATION TO OUR CLIENTS. >>Karmen: ME TOO.
>>Vann Dennis: YES. >>Karmen: I THINK WE'LL SEE SOME
REALTORS, SOME TITLE COMPANIES. >>Vann Dennis: YES.
>>Karmen: ALL SORTS OF THE TYPE OF PEOPLE THAT THESE NEW
HOMEBUYERS CAN EXPECT TO ENCOUNTER DURING THE PROCESS.
>>Vann Dennis: YES. AND WHILE THEY ARE IN THE CLASS,
THE INFORMATION WILL BE PROVIDED TO THEM ON THESE DIFFERENT AREAS
BECAUSE IT IS A PROCESS. PURCHASING A HOME CAN BE TEDIOUS
BUT ALSO FUN AS LONG AS YOU ARE GIVEN THE CORRECT INFORMATION
AND YOU REALLY LEARN ABOUT WHAT IT IS TO PURCHASE A HOME.
IT MAKES THE TRANSITION EASY FOR THE POTENTIAL HOMEBUYERS.
>>Karmen: AWESOME. HOW MUCH IS THE CLASS?
AND DO PEOPLE NEED TO REGISTER IN ADVANCE?
>>Jeanette Hackett: CLASS IS FREE.
>>Vann Dennis: CLASS IS FREE. >>Jeanette Hackett: AND WE
ENCOURAGE PREREGISTRATION. >>Vann Dennis: WE DO.
WE ENCOURAGE PREREGISTRATION. THAT MAKES IT A LOT EASIER
FOR US. >>Karmen: BECAUSE THE CLASSROOM
SIZE IS LIMITED, IF I REMEMBER RIGHT.
>>Vann Dennis: YES, IT IS LIMITED.
SO WE DO ASK THAT YOU PREREGISTER.
THAT WAY YOU'RE ASSURED A SEAT IN THE CLASS.
>>Karmen: PERFECT. NOW YOU'RE DOING ENGLISH AND
SPANISH AGAIN THIS YEAR AS WELL? >>Vann Dennis: YES.
>>Jeanette Hackett: CORRECT. >>Karmen: WONDERFUL.
SO, JEANETTE, PARTICIPANTS IN THE CLASS WILL RECEIVE THE
CERTIFICATE, WHICH WE ALREADY TALKED ABOUT.
AND WHAT IS THE IMPORTANCE OF THIS CERTIFICATE?
>>Jeanette Hackett: LIKE YOU SAID, THE CERTIFICATE IS
NECESSARY TO OBTAIN THE SPECIAL PROGRAMS THAT ARE AVAILABLE OUT
THERE AS WELL AS THE INFORMATION THAT'S PROVIDED DURING THE
COURSE IN RECEIVING THE CERTIFICATE.
I MEAN, YOU LEARN THE IMPORTANCE OF PICKING THE RIGHT PERSON TO
WORK WITH, BUDGETING FOR THE SAVINGS FOR THE DOWN PAYMENT FOR
THE HOME THAT YOU'RE PURCHASING, AS WELL AS BUDGETING FOR THE
EXPENSES THAT COME WITH THE BUYING OF A HOME.
YOU NO LONGER HAVE A LANDLORD TO CALL WHEN SOMETHING BREAKS.
>>Karmen: THAT'S RIGHT. THAT'S THE BIGGEST DIFFERENCE.
I THINK SOME PEOPLE DON'T UNDERSTAND IS, WHEN YOU OWN YOUR
HOME, YOU ARE RESPONSIBLE. >>Vann Dennis: EXACTLY.
>>Karmen: I REMEMBER WHEN I FIRST GOT INTO THESE TYPES OF
PROGRAMS, HELP SOMEBODY THROUGH, GET THEIR OWN HOME, AND ABOUT
TWO MONTHS LATER, I GET A PHONE CALL, "WELL, MY WATER HEATER
BROKE. WILL YOU COME AND FIX IT?"
I WAS LIKE, "NO, MA'AM, I'M SO SORRY, BUT THAT'S YOUR JOB NOW.
YOU OWN THE HOME." AND SHE WAS JUST BESIDE HERSELF.
I SAID, WELL, REMEMBER, IN THE CLASS, THEY TALKED ABOUT THAT
"OH, YEAH, WE DID TALK ABOUT THAT, I FORGOT."
>>Jeanette Hackett: IT'S A LOT OF INFORMATION IN AN EIGHT-HOUR
PERIOD OF TIME. >>Karmen: IT IS.
>>Jeanette Hackett: AND YOU MAY NOT GRASP EVERYTHING DURING THAT
EIGHT HOURS, BUT WHEN SOMETHING COMES UP, IT SPARKS A MEMORY.
AND THAT'S THE MOST IMPORTANT THING THAT YOU SAY, OH, YEAH, I
DID LEARN THAT AND THIS IS WHAT I'M TAKING AWAY FROM IT.
AND THE HANDOUTS THAT YOU RECEIVED DURING THE CLASS ALSO
SOMETHING TO REFERENCE BACK TO ALSO.
>>Vann Dennis: YES, DEFINITELY. >>Karmen: ANOTHER THING THAT I
ALWAYS TELL PEOPLE IS THESE CLASSES CAN BE TAKEN ONLINE,
BUT WHEN YOU'RE SITTING IN A ROOM OF PEOPLE WHO ARE JUST LIKE
YOURSELF, THIS IS YOUR FIRST TIME, YOU DON'T EVEN KNOW WHAT
QUESTIONS TO ASK BECAUSE IF YOU DON'T KNOW ABOUT SOMETHING,
HOW DO YOU KNOW WHAT TO ASK? >>Vann Dennis: EXACTLY.
>>Karmen: SO I TELL THEM THAT ALL OF THESE PEOPLE THINK OF
DIFFERENT THINGS TO ASK, THINGS YOU NEVER MAY HAVE
THOUGHT OF AND THEREBY MAKING YOU LEARN MORE.
AND THEY THINK ABOUT THAT, "WELL, YOU'RE RIGHT BECAUSE I
HAVE NO CLUE WHERE TO START. I DON'T KNOW WHAT TO DO OR
ANYTHING." I SAID, SEE.
AND IF YOU ARE FULL OF A ROOM OF PEOPLE JUST LIKE YOU, EVERY
TIME SOMEONE FEEDS YOU SOME INFORMATION, YOU'LL BE GOOD
TO GO. [ LAUGHTER ]
TAKE LOTS OF NOTES. WE SHOULD REMIND THEM TO BRING
SOMETHING TO WRITE ON AND SOMETHING TO WRITE WITH.
THAT WOULD BE GOOD, TOO. >>Vann Dennis: WE ALSO
ENCOURAGE, YOU KNOW, IF YOU HAVE QUESTIONS PRIOR TO COMING TO THE
EVENT, WRITE THOSE QUESTIONS DOWN SO THAT YOU'RE PREPARED
TO ASK THEM. THAT WAY IF THERE'S SOMETHING
THAT YOU REALLY NEED TO KNOW OR YOU DIDN'T HEAR, YOU COULD ASK
THE QUESTION AND THOSE QUESTIONS WILL BE ANSWERED FOR YOU.
>>Karmen: THAT IS A GOOD POINT. >>Jeanette Hackett: THE GREAT
THING ABOUT HAVING THE VENDORS AROUND IS THAT, IF YOU GET
NERVOUS IN THE CLASS OR SOMETHING, YOU CAN ALWAYS WALK
UP TO ONE OF THE VENDORS AND SAY, LISTEN, THIS IS A QUESTION.
I FELT SILLY, BUT THERE'S NO SILLY QUESTION.
>>Karmen: THERE ISN'T. >>Jeanette Hackett: YOU CAN ASK
MULTIPLE VENDORS THE SAME QUESTION TO SEE WHAT THEIR
RESPONSE IS, AND HOPEFULLY YOU'LL GET A BETTER
UNDERSTANDING. >>Karmen: I KNOW THAT HAPPENS A
LOT TO ME. I USUALLY LOSE MY VOICE BY NOON.
BECAUSE I'VE ALREADY TALKED SO MUCH BY NOON, YOU KNOW, I HAVE
NO VOICE LEFT. I ALWAYS BRING MY THROAT DROPS,
BUT I'M DONE BY NOON. SO THE AFTERNOON PEOPLE ARE
LIKE, "WHAT DO YOU THINK?" [ WHISPERING ] I DON'T KNOW.
[ LAUGHTER ] SO IN ADDITION TO BEING
INFORMATIONAL, THE OTHER NICE THING ABOUT THIS EVENT IS WE
MAKE IT A LITTLE BIT OF FUN. THERE'S PRIZES AND THINGS THAT
CAN BE WON. TELL US A LITTLE BIT ABOUT THAT.
>>Vann Dennis: THERE ARE LOTS AND LOTS OF PRIZES.
THERE WILL BE GIVEAWAYS THROUGHOUT THE DAY, AND,
OF COURSE, THERE'S THE BIG GRAND PRIZE AT THE VERY END
THAT'S SPONSORED BY BB&T, AND WE WANT EVERYONE TO STAY,
PARTICIPATE, HAVE A GOOD TIME, VISIT THE VENDORS.
AND LIKE WE'VE SAID BEFORE, ASK THE QUESTIONS THAT YOU HAVE
SO THAT YOU'LL HAVE A GREAT UNDERSTANDING OF THAT PROCESS
THAT YOU'RE ABOUT TO BEGIN. PURCHASING A HOME IS A BIG JOY,
AND IT SHOULDN'T BE ALL TEDIOUS FOR THE INDIVIDUAL.
IT SHOULD BE A FUN AND EXCITING EVENT BECAUSE THAT'S ONE OF YOUR
BIG LIFE TASKS THAT YOU DO. SO WE JUST SAY, COME IN, HAVE A
GOOD TIME, VISIT THE VENDORS. YOU GET YOUR CARD STAMPED.
YOU CAN ALWAYS WIN ONE OF THOSE DOOR PRIZES.
SO WE WANT TO MAKE IT NOT ONLY JUST INFORMATIONAL BUT ALSO FUN
SO THAT YOU CAN TAKE SOMETHING HOME.
BECAUSE IF IT'S FUN, YOU HAVE A BETTER --
>>Karmen: RETENTION. >>Vann Dennis: -- RETENTION OF
THAT INFORMATION. >>Karmen: EXACTLY.
I AGREE. I THINK THAT'S AWESOME.
NOW, JEANETTE, YOU'VE BEEN IN THE LENDING BUSINESS FOR A
NUMBER OF YEARS AND CERTAINLY SEEN A LOT OF CHANGES.
WHAT CAN TODAY'S HOMEBUYERS EXPECT WHEN THEY MEET WITH A
MORTGAGE LENDER? >>Jeanette Hackett: WELL,
THERE'S A LOT MORE INFORMATION NOW, AND LENDING HAS CHANGED
SO MUCH. >>Vann Dennis: YES, IT HAS.
>>Jeanette Hackett: WE'VE BECOME VERY INTRUSIVE.
[ LAUGHTER ] >>Karmen: THAT'S A GOOD WORD.
>>Jeanette Hackett: AND DOCUMENT HEAVY.
SO THEY'LL WANT TO KNOW THE TRAIL OF THE MONEY COMING INTO
THE TRANSACTION. THEY WILL BE REVIEWING
BANK ACCOUNTS. THEY'LL NEED, IN MOST CASES,
THREE YEARS OF TAX RETURNS. SOME CITY-COUNTY PROGRAMS,
THEY'LL BE LOOKING FOR SIX MONTHS OF BANK STATEMENTS.
SO IT'S GOOD NOW TO HAVE ALL THAT INFORMATION TOGETHER AND
PUT TOGETHER WHAT I CALL A MORTGAGE RESUM�.
IT'S KIND OF A -- JUST A RESUM� OF YOUR 24 MONTHS OF RESIDENCE
HISTORY, INCLUDING LANDLORD INFORMATION, 24 MONTHS OF WORK
HISTORY. YOUR ASSET INFORMATION.
IF YOU HAVE A 401(K), INQUIRE WHAT YOU HAVE IN THERE
AND IF YOU HAVE THE ABILITY TO DRAW ANY FUNDS OUT TO HELP YOU
WITH DOWN PAYMENT. GIFTS ARE ACCEPTABLE.
GET EVERYTHING IN LINE SO THAT YOU HAVE YOUR FOLDER TOGETHER SO
THAT YOU'RE NOT ALL OF A SUDDEN IN CONTRACT AND YOU'RE GRASPING
FOR THINGS, CALLING THE IRS, YOU KNOW, TRYING TO GET TAX
TRANSCRIPTS AND SUCH. SO IT'S ALWAYS GOOD TO HAVE THE
INFORMATION BEFORE IN A MORTGAGE FOLDER.
>>Karmen: AND THAT'S WHAT I USED TO TELL PEOPLE.
I HAD MY MORTGAGE COMPANY FOR SEVERAL YEARS, AND I USED TO
TELL THEM BEFOREHAND, YOU KNOW, BEFORE WE MEET FOR THE FIRST
TIME, HERE'S YOUR LIST OF THINGS THAT I WANT YOU TO BRING WITH
YOU AND HAVE THIS ALL PUT TOGETHER AND, AS WE GO THROUGH
THIS PROCESS, KEEP IT UPDATED, BECAUSE UNTIL YOU FIND A HOUSE,
THIS IS A ROLLING THREE MONTHS. SO IF IT TAKES YOU ONE MONTH,
TWO MONTHS, THREE MONTHS, WE HAVE TO KEEP ALL THIS
INFORMATION CURRENT AND UP TO DATE.
I USED TO FEEL SORRY FOR PEOPLE KIND OF LOOKING AT YOU WITH THE
BIG EYES GOING, "WHAT? KEEP WHAT?"
BUT THAT'S WHAT THIS CLASS IS GOING TO HELP TEACH THEM.
>>Jeanette Hackett: AND ANOTHER THING IS, IF YOU DO HAVE MONEY
AT THE HOUSE BECAUSE SOME PEOPLE -- PEOPLE SAVE MONEY
DIFFERENTLY. BUT IF YOU HAVE CASH AND YOU'RE
LOOKING TO BUY A HOME IN THE NEXT SIX MONTHS TO A YEAR,
DEPOSIT IT INTO THE BANK, BECAUSE FOR THESE PROGRAMS,
CASH IS NOT ACCEPTABLE. BECAUSE IF YOU CAN'T TRACK WHERE
THE MONEY CAME FROM, THEN YOU CAN'T USE IT IN THE TRANSACTION.
SO YOU'RE TRUSTING THE BANKING AND THE SYSTEM, SO YOU NEED TO
PUT THE MONEY IN THE BANK. >>Karmen: AND YOU CANNOT BRING
CASH TO THE CLOSING TABLE EITHER.
IT'S GOT TO BE A CASHIER'S CHECK.
>>Jeanette Hackett: RIGHT. >>Vann Dennis: CORRECT.
>>Karmen: YEP. SO, VANN, IN SOME CASES,
FOLKS NEED A LITTLE HELP WITH BUDGETING.
DOES THE HOMEBUYER EDUCATION CLASS OFFER TIPS ON PREPARING
AND LIVING WITHIN A BUDGET? >>Vann Dennis: YES, IT DOES,
AND THAT'S ONE OF THE BIG THINGS THAT I'M REALLY GLAD IS INCLUDED
BECAUSE BUDGETING IS A VERY BIG PART OF PURCHASING A HOME.
YOU NEED TO KNOW HOW, WHERE, WHEN THINGS NEED TO BE PAID.
AND I ALWAYS TELL PEOPLE WHEN I'M DOING THE COUNSELING,
YOU NEED TO HAVE AN ACCOUNT FOR WHAT I CALL YOUR RAINY DAY
NEEDS. YOU ALSO NEED TO HAVE AN ACCOUNT
FOR YOUR EVERYDAY MAINTENANCE. YOU NEVER KNOW WHEN SOMETHING IS
GOING TO BREAK IN YOUR HOME. SO YOU SHOULD HAVE THOSE
ACCOUNTS SET UP SO THAT YOU'RE NOT STRUGGLING IF THE WATER
HEATER BREAKS OR, GOD FORBID, THE AC GOES OUT BECAUSE THAT'S
NOT A HUNDRED-DOLLAR JOB. WE'RE TALKING THOUSANDS.
SO IT'S GOOD TO START EVEN BEFORE YOU BEGIN THE PROCESS,
PUT THOSE DOLLARS AWAY BECAUSE YOU'RE DEFINITELY GOING TO NEED
THEM. >>Jeanette Hackett: I TRY TO
MAKE IT FUN. I CALL THAT HOUSEHOLD FUND MY
BAD MONEY -- [ LAUGHTER ]
>>Vann Dennis: YES. THAT IS A SIGNIFICANT PART OF
THE COURSE. SO PEOPLE CAN DEFINITELY TAKE
HOME WITH THEM SOME TIPS ON WHAT TO DO TO BUDGET AND PREPARE FOR
HOME OWNERSHIP. >>Karmen: THAT IS SUCH A
GOOD POINT. BUDGETING IS HUGE.
I ALWAYS TELL PEOPLE, JUST BECAUSE YOUR LENDER APPROVES YOU
FOR X AMOUNT OF HOME, REMEMBER TWO THINGS.
WHILE YOUR PAYMENT STAYS FIXED, YOUR ESCROWS FOR INSURANCE AND
TAXES WILL ALWAYS INCREASE. >>Vann Dennis: YES.
>>Karmen: SO EVERY YEAR YOUR ENTIRE PAYMENT THAT YOU'RE
PAYING WILL GO UP. SO MAKE SURE YOU HAVE THAT
BUDGETED. BECAUSE AS WE'VE SEEN OVER
THE PAST EIGHT TO TEN YEARS, OUR INCOMES ARE NOT ALWAYS
GOING UP EVERY YEAR. >>Vann Dennis: BUT YOUR TAXES
AND INSURANCE ARE. >>Karmen: YES, THEY ARE.
THEY ARE. >>Jeanette Hackett: IT'S ALWAYS
GOOD TO HAVE THAT DISCUSSION WITH YOUR LENDER.
>>Karmen: I KNOW YOU ACTUALLY DO VERY WELL WITH THAT WHEN YOU'RE
TALKING TO YOUR PEOPLE. I'M JUST TEASING YOU, JEANETTE.
[ LAUGHTER ] SO, VANN, WE ALL KNOW HOW
IMPORTANT GOOD CREDIT IS WHEN BUYING A HOME OR FOR ANYTHING,
FOR THAT MATTER. SO WHAT ADVICE DO YOU HAVE FOR
PEOPLE WHO HAVE HAD SOME CREDIT CHALLENGES, AND HOW CAN
CLEARWATER NEIGHBORHOOD HOUSING SERVICES HELP?
>>Vann Dennis: CLEARWATER NEIGHBORHOOD HOUSING SERVICES
HAS A HOUSING COUNSELING PROGRAM, AND WE CAN ASSIST
WITH YOUR BUDGET. AND IF YOU ARE CREDIT
CHALLENGED, WE DEFINITELY CAN SIT DOWN WITH YOU, REVIEW YOUR
CREDIT, AND GIVE YOU SOME TIPS AND OPTIONS ON HOW TO FIX THOSE
ISSUES. I'D LIKE TO TELL PEOPLE, YES,
YOU MAY HAVE BAD CREDIT TODAY, BUT IF YOU WORK HARD AND IF YOU
STAY DILIGENT TO THE TASK AND YOUR DREAM, YOU CAN FIX THOSE
ISSUES AND PURCHASE A HOME AT SOME POINT.
>>Karmen: YOU WORK SIDE BY SIDE WITH THEM RIGHT THROUGH THE
WHOLE PROCESS, RIGHT? >>Vann Dennis: YES.
YES, I DO. >>Karmen: HOW MUCH DO YOU CHARGE
THEM FOR THIS SERVICE? >>Vann Dennis: FOR A SINGLE
PERSON, $25, AND THAT'S JUST ONE FEE IF I HAVE TO SEE YOU ONE
TIME OR 50 TIMES. >>Karmen: ISN'T THAT MORE JUST
TO PULL THE CREDIT? >>Vann Dennis: THAT IS JUST FOR
PULLING THE CREDIT. >>Karmen: SO THE ACTUAL
COUNSELING AND THE HELP THROUGH THE PROCESS IS FREE.
>>Vann Dennis: YES, IT IS. AND IF YOU ARE A COUPLE,
WE CHARGE $35. WE TRY TO KEEP IT AT A MINIMAL
COST BECAUSE, AGAIN, THAT'S A DOLLAR ITEM YOU'VE GOT TO SPEND,
AND WE WANT TO TEACH YOU HOW TO SAVE YOUR MONEY AND DEFINITELY
START PUTTING ASIDE YOUR DOLLARS FOR PURCHASING YOUR HOME.
THAT IS THE AMERICAN DREAM. AND IF YOU ARE CREDIT
CHALLENGED, DEFINITELY GIVE US A CALL AND LET US HELP YOU WORK
THROUGH IT. BECAUSE HOMEOWNERSHIP IS
POSSIBLE FOR EVERYONE THAT WANTS TO PURCHASE A HOME AND HAVE THE
MIND-SET TO DO WHAT IT TAKES TO GET TO THAT POINT.
>>Karmen: THAT'S RIGHT. THAT IS.
NOW, ANOTHER QUESTION FOR YOU, JEANETTE.
WHAT IF SOMEBODY DOESN'T HAVE A CREDIT HISTORY, WHAT DO WE DO
WITH THEM? >>Jeanette Hackett: WELL, THAT'S
ONE THING THAT THEY'LL LEARN IN THE CLASS, HOW TO BUILD
A CREDIT HISTORY. HOW TO BUILD ONE SMARTLY.
>>Karmen: SMARTLY. THAT'S THE WORD.
[ LAUGHTER ] SO WHAT'S THE RULE OF THUMB IN
DETERMINING HOW MUCH OF A HOME YOU CAN AFFORD?
>>Jeanette Hackett: WELL, DEBT TO INCOME IS HOW MUCH INCOME
THAT YOU HAVE COMING INTO THE HOUSE VERSUS HOW MUCH YOU'RE
PAYING OUT IN DEBTS. BASICALLY, THEY WANT YOU TO
HAVE -- SOME OF THE PROGRAMS ARE DIFFERENT.
THE STATE PROGRAMS WANT YOU TO HAVE 45% -- NO MORE THAN 45% OF
YOUR OBLIGATIONS OUT TOWARDS HOUSE, WHICH INCLUDES PRINCIPAL,
INTEREST, TAXES, INSURANCE, AND MORTGAGE INSURANCE AS WELL
AS ANY OTHER DEBTS THAT YOU HAVE OUT THERE.
SO ALTHOUGH IT'S GOOD TO HAVE A WELL-ROUNDED CREDIT HISTORY,
IF YOU'RE LOOKING TO BUY A HOUSE, DON'T BUY A CAR BECAUSE
YOU'LL HAVE AN OPPORTUNITY TO BUY A CAR IN THE FUTURE,
BUT CONCENTRATE ON THE FOCUS OF BUYING A HOUSE FIRST.
THERE HAVE BEEN INSTANCES WHERE CUSTOMERS HAVE BOUGHT A CAR
DURING THE PROCESS, AND IT CUT BACK ON THE HOUSE THAT THEY
COULD AFFORD. THE OTHER GOOD THING IS DURING
THESE COURSES, THEY DO SHOW YOU HOW TO DETERMINE ON A BUDGET HOW
MUCH YOU CAN AFFORD. >>Karmen: GOOD.
>>Jeanette Hackett: BUT THE BIGGEST THING I ALWAYS TALK TO
MY CUSTOMERS ABOUT IS, IN YOUR MIND, HOW MUCH DO YOU NOT WANT
TO PAY ANY MORE THAN WHAT DOLLAR AMOUNT FOR A MORTGAGE PAYMENT?
BECAUSE, ALTHOUGH WE'RE LOOKING AT PAPER AND COMPUTER, WE'RE NOT
LOOKING AT SOCCER, GOING OUT TO DINNER, GOING TO THE MOVIES.
YOU KNOW, BEING ABLE TO LIVE. >>Karmen: YEAH, DON'T MAKE
YOURSELF HOUSE POOR. >>Jeanette Hackett: DON'T MAKE
YOURSELF HOUSE POOR BECAUSE THEN YOU'LL BE --
>>Vann Dennis: YOU'LL BE MISERABLE.
>>Jeanette Hackett: YEAH, AND THE HOUSE WON'T BE A HAPPY
PLACE. >>Karmen: THAT'S RIGHT.
WE'VE GOT TO HAVE THE HOUSE A HAPPY PLACE.
THAT'S THE MOST IMPORTANT THING. >>Vann Dennis: AND YOU
DEFINITELY WANT TO MAKE SURE THAT YOU'RE NOT HOUSE POOR
BECAUSE, LIKE YOU SAY, YOU HAVE TO LIVE.
AND WHEN YOU GO ABOVE YOUR MEANS, YOU END UP INTO THAT
PLACE WHERE WE DON'T LIKE TO TALK ABOUT MUCH,
AND THAT'S FORECLOSURE. SO PURCHASE A HOUSE THAT'S
WITHIN YOUR MEANS, AND YOU'RE GOING TO LOVE BEING THERE,
NOT HATE. "OH, MY GOSH, I JUST BOUGHT A
HOME THAT I CAN'T AFFORD." >>Karmen: THAT'S IT EXACTLY.
THERE'S NOTHING WORSE THAN FINDING IT, GETTING IT, AND THEN
HAVING TO WALK AWAY FROM IT. >>Vann Dennis: EXACTLY.
>>Karmen: THAT'S JUST -- THAT'S NOT WORTH IT.
THAT'S NOT WORTH IT AT ALL. SO WHAT ADVICE WOULD YOU TWO
HAVE FOR SOMEONE WHO'S CONSIDERING HOMEOWNERSHIP TODAY
THAT MAYBE WE HAVEN'T TOUCHED ON YET?
>>Jeanette Hackett: BE AWARE OF THE PROGRAMS THAT ARE OUT THERE
SUCH AS THE FIRST-TIME HOMEBUYERS EVENT,
CLEARWATER NEIGHBORHOOD HOUSING, HOUSING FINANCE AUTHORITY, AND
KNOW THAT, YOU KNOW, WE ARE ALL HERE TO HELP YOU REACH THAT
DREAM. AN OLD MANAGER OF MINE TOLD ME
ONE DAY TO, YOU KNOW, TAKE THE DREAM AND FOCUS ON A PICTURE.
TAKE A PICTURE OF A HOUSE AND PUT IT IN THE CENTER PORTION OF
THE HOUSE, AND THAT COULD BE EVERYONE IN THE HOUSE'S FOCUS SO
THAT WHEN YOU'RE THINKING ABOUT MAYBE DOING SOMETHING, SOMETHING
EXTRA, SAY, WELL, NHH, NO, LET'S NOT DO THAT.
LET'S PUT IT INTO THE HOUSE FUND.
YOU KNOW, SAVING FOR THE HOUSE IS JUST SO BIG OF A DREAM.
>>Vann Dennis: YES, IT IS. >>Jeanette Hackett: AND IT'S
SUCH A GOOD FEELING WHEN YOU MOVE IN THERE AND YOU'RE NOT
WORRIED ABOUT PUTTING A NAIL IN THE WALL.
>>Karmen: THAT'S IT. AND SPEAKING OF THAT FOCUS AND
AFFORDING IT, I ALWAYS TELL PEOPLE, TOO, THAT EVEN THOUGH
YOU MIGHT GET HELP THROUGH PROGRAMS SUCH AS OURS FOR THE
DOWN PAYMENT AND CLOSING COSTS, MOVING IS EXPENSIVE.
SO YOU STILL HAVE TO MAKE SURE YOU HAVE SOME MONEY IN SAVINGS.
PLUS EVERYBODY WANTS TO BUY NEW THINGS FOR THE NEW HOUSE.
AND SO THAT COMES INTO THAT BUDGETING THING.
THERE'S A LOT TO THINK ABOUT, AND I THINK PEOPLE A LOT OF
TIMES JUST DON'T EVEN THINK ABOUT THAT WHEN THEY'RE MOVING
FROM AN APARTMENT TO AN APARTMENT AND HOW EXTRA
EXPENSIVE EVEN JUST THAT IS. >>Jeanette Hackett: THEY NEED TO
REMEMBER THAT HOUSES EVOLVE. YOU KNOW, I COULDN'T -- WELL, WE
DID OUR KITCHEN 15 YEARS AGO, AND WE'RE ABOUT READY TO DO THE
KITCHEN AGAIN BECAUSE OUR TASTE HAS CHANGED AND THE APPLIANCES
NEED TO BE REPLACED AND EVERYTHING.
SO DON'T TRY TO DO EVERYTHING AT ONCE.
YOU KNOW, AFTER YOU PURCHASE, YOU'VE GOT YOUR BUDGETING DOWN
WHEN YOU'RE TRYING TO PURCHASE. SO AFTER YOU PURCHASE,
KEEP THAT BUDGETING IN PLACE. LEARN HOW TO DO CERTAIN
THINGS YOURSELF. HOME DEPOT AND LOWE'S
HAVE DIFFERENT -- >>Karmen: DO-IT-YOURSELF
CLASSES. >>Jeanette Hackett:
DO-IT-YOURSELF CLASSES. GOING TO THESE PROGRAMS AND
THESE CLASSES OVER THE YEARS, I'VE LEARNED THAT THERE ARE
COMPANIES OUT THERE THAT WILL TEACH YOU HOW TO PUT ON A
METAL ROOF. I DIDN'T KNOW THAT.
[ LAUGHTER ] YOU KNOW, BUT THERE'S SO MUCH
TAKEAWAY FROM THESE CLASSES. AND THE MORE AND MORE THAT I GO
TO THEM THROUGH THE YEARS, THE MORE I TAKE BACK.
>>Karmen: EXACTLY. >>Jeanette Hackett: SO I THINK
IT'S FABULOUS. AND THEY DON'T GO AWAY AFTER
YOU BUY. THERE'S ALWAYS SOMETHING --
SOMEBODY THAT YOU CAN CALL AND ASK A QUESTION TO.
>>Karmen: I ALWAYS TEASED MY HUSBAND FOR YEARS AND YEARS AND
YEARS, AND WE'VE CALLED OUR HOUSES FOREVER HOBBY HUTS
BECAUSE WE ALWAYS -- WE ALWAYS ARE DOING SOMETHING TO THEM.
I DON'T CARE WHETHER IT'S THE YARD OR THE INSIDE OR WHATEVER,
IT'S NEVER ENDING. PEOPLE LAUGH AT ME SOMETIMES
BECAUSE FOR SEVERAL YEARS NOW, WE'VE KIND OF FOREGONE VACATIONS
BECAUSE WE DID HAVE A LOT WE WANTED TO FINISH IN THE HOUSE.
BUT NOW WHEN I GO HOME AT NIGHT AND I WALK AROUND THE HOUSE AND
THE YARD, IT'S LIKE, THIS WAS WORTH IT.
YOU KNOW, THIS IS REALLY WORTH IT.
AND THIS YEAR WE'RE GOING ON VACATION.
[ LAUGHTER ] >>Vann Dennis: GOOD.
>>Jeanette Hackett: YAY. >>Karmen: SO THAT'S KIND OF
EXCITING. SO ONE MORE TIME I WANT TO JUST
GIVE OUT ALL THE CONTACT INFORMATION FOR THE
H.O.P.E. EXPO. YOU MENTIONED SOMETHING ABOUT
Facebook ALSO? >>Vann Dennis: YES.
OUR H.O.P.E. EXPO Facebook PAGE IS ACCESSIBLE.
IF YOU JUST TYPE IN H.O.P.E. EXPO, IT WILL COME UP.
IT'S LOADED WITH INFORMATION. ALSO, WE HAVE OUR WEBSITE,
WHICH IS hopeexpo.org. AND YOU CAN ALSO REGISTER ON THE
WEBSITE AND GAIN A LOT OF INFORMATION PRIOR TO COMING
TO THE EVENT. AND CHECK OUT BOTH THE
Facebook PAGE AND OUR WEBSITE. YOU WON'T BE DISAPPOINTED.
>>Karmen: WONDERFUL, WONDERFUL. >>Jeanette Hackett: AGAIN,
WE ENCOURAGE PREREGISTRATION BECAUSE THERE'S ONLY
SO MUCH ROOM. >>Karmen: WELL, THERE'S ONLY SO
MUCH ROOM AND YOU NEED TO KNOW HOW MANY -- I MEAN, THERE'S --
PEOPLE HAVE NO IDEA HOW MUCH INFORMATION THEY ARE GOING TO BE
GETTING, NOT ONLY JUST IN THIS CLASS, BUT ALSO FROM THE
VENDORS. >>Vann Dennis: EXACTLY.
>>Karmen: SO YOU GUYS NEED TO MAKE SURE FROM THE ORGANIZING
COMMITTEE STANDPOINT THAT YOU HAVE ENOUGH SUPPLIES ON HAND
TO GIVE EVERYBODY. >>Vann Dennis: YES.
>>Karmen: I KNOW AS A VENDOR MYSELF WHO IS GOING TO BE THERE,
I'M ALWAYS BEGGING YOU GUYS NEAR THE END, OKAY, WE'RE RUNNING
FULL CLASSES ON BOTH. I WANT TO MAKE SURE I'VE GOT
ENOUGH STUFF THERE MYSELF FOR PEOPLE.
THAT'S KIND OF A BIG THING. >>Vann Dennis: YES.
>>Karmen: AND WE'VE ALWAYS HAD A FULL HOUSE OVER THE YEARS.
ALWAYS. I DON'T THINK WE'VE EVER NOT
FILLED THAT PLACE UP. >>Vann Dennis: RIGHT.
>>Karmen: IT'S SUCH A -- I JUST LOVE THIS EVENT.
I'VE BEEN GOING TO IT NOW -- I WANT TO SAY PROBABLY CLOSE TO
EIGHT, MAYBE NINE YEARS. I CAN'T REMEMBER.
IT'S BEEN A LONG TIME. >>Vann Dennis: WOW.
>>Karmen: IT'S WHEN I FIRST STARTED WITH THE COUNTY.
THAT'S THE FIRST TIME I WENT. SO IT'S FUN.
>>Vann Dennis: IT IS FUN, AND IT'S A GREAT EVENT.
SO WE TELL EVERYBODY RIGHT NOW, MARK YOUR CALENDAR.
SATURDAY, JUNE 10, 2017, PLEASE COME AND VISIT US AND COME
EXPECTING TO RECEIVE SOME GREAT INFORMATION SO THAT WE CAN HELP
YOU REACH YOUR DREAM OF PURCHASING THAT NEW HOME.
>>Karmen: AND ASK A LOT OF QUESTIONS.
>>Vann Dennis: YES. >>Karmen: THINK OF EVERYTHING
YOU DON'T KNOW ABOUT OWNING A HOME AND WRITE IT DOWN AND BRING
IT BECAUSE THERE WILL BE SOMEBODY THERE WHO CAN ANSWER
YOUR QUESTION, GUARANTEED. >>Vann Dennis: THAT IS A
GUARANTEE, YES. [ LAUGHTER ]
>>Karmen: ALL RIGHT. WELL, WE ONLY HAVE A COUPLE OF
MINUTES LEFT TO WRAP UP TODAY'S SHOW.
I'D LIKE TO THANK OUR GUESTS, JEANETTE HACKETT WITH BB&T AND
VANN DENNIS WITH CLEARWATER NEIGHBORHOOD HOUSING SERVICES,
PINELLAS COUNTY COMMUNICATIONS DEPARTMENT AND, OF COURSE,
WRXB 1590 AM, 96.5 FM. WE LOOK FORWARD TO HAVING YOU
JOIN US NEXT MONTH. IF YOU MISSED ANY PART OF THIS
SHOW OR WOULD LIKE TO VIEW PAST SHOWS, CHECK OUT OUR WEBSITE OR
CATCH US ON YouTube. I'M KARMEN LEMBERG.
THANKS FOR TUNING IN. AND, REMEMBER,
MAKE IT A GREAT DAY. [ MUSIC ]
-------------------------------------------
Minecraft: How to make a GUN in 5 minutes - Duration: 5:54.
( I painted so badly, but I built it very beautiful. ) ( What should I build next? XD )
( Very nice one, maybe try a gun haha )
( Thanks! I'll try to build a gun next video! )
Hello! I'm CHCN, today's 5 min building theme is...
Gun
The idea in my brain
Then start build it
Completed at 4:56
If you enjoyed this video, don't forget to "like", "share" and "subscribe"!
Also, if you have any idea you want me to build, leave a comment!
Thanks for watching!
(end)
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