Waching daily Jun 29 2017

Hey there!

Welcome to Life Noggin.

Space exploration has taught us a lot about the stars, our universe, and even our own

planet.

But what if space could make you rich?

There are some elements up in space that are very valuable here on Earth.

Many are found inside asteroids and could be worth billions or trillions of dollars

if we could mine them.

The most expensive are platinum-group metals, which are rare on Earth but necessary for

high-tech devices and electronics.

Scientists think that some asteroids contain more platinum-group metals than are in all

the Earth's reserves.

One asteroid that passed us in 2015 likely contained 90 million metric tons of these

metals… worth up to 5 trillion dollars.

You can also find iron, nickel, and cobalt in certain asteroids.

But the most valuable item might be water.

It's really expensive to ship water up to space — just 16 ounces costs a whopping

2500 dollars.

If there was a reliable source up above the stratosphere, it would have a lot of uses.

Water is necessary for the cooling systems on the International Space Station, and it

could potentially be used as a radiation shield for astronauts.

But the most lucrative use is to split it into hydrogen and oxygen… the basic elements

of rocket fuel.

This would essentially turn a water-filled asteroid into a space gas station, allowing

vehicles to refuel and venture farther away.

Another potential source of water is our neighbor, the moon.

And the moon has other valuable elements as well.

It contains Helium 3, which is extremely rare on Earth but could potentially be used in

nuclear fusion reactors, if we can get fusion to work on our planet.

The total value of the moon's resources has been estimated at between 150 and 500

QUADRILLION dollars.

Yep, QUADRILLION.

Although space mining isn't easy, it's definitely possible, and several companies

are currently working out how to do it.

An asteroid's gravity is too weak to hold down a spacecraft, so the goal is to dock

with it like a vehicle docks with the Space Station.

The real challenge is to figure out which asteroids are worth going to.

There are roughly 1500 candidates nearby, but they can be faint and hard to detect from

Earth.

Infrared technology helps tell us what's them, but it's difficult to know if the

readings are accurate.

Also, even though an asteroid's gravity isn't strong, it can still mess with spacecraft.

Unlike the round moon, asteroids have irregular shapes, making their gravitational pull vary

depending on where you are.

Getting around these "humps" will take some work.

Still, at least one company thinks that they will be extracting water from asteroids by

about 2027.

And NASA's Resource Prospector mission wants to be the first to mine the moon, with the

hopes of launching a craft in the early 2020s.

Whether or not they're successful, there's still money to be made indirectly from space.

Many of the technologies developed for space programs have had other uses in our daily

lives.

NASA's advancements have led to smartphone cameras, memory foam, MRI and CAT scans, and

even a key ingredient in infant formula.

So if you want to make money off space exploration, maybe the easiest way is to just stay here

on Earth.

Do you think we should mine in space?

Is it worth it?

Let me know in the comments below.

For more infomation >> How Much Money Is Space Worth? - Duration: 3:15.

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Meet the social media influencer family | This is That - Duration: 5:25.

For more infomation >> Meet the social media influencer family | This is That - Duration: 5:25.

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Phonak - Life is On - Duration: 1:53.

For more infomation >> Phonak - Life is On - Duration: 1:53.

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Who Is Michelle Orsini? - Duration: 1:45.

I absolutely love my job, and that was kind of loud.

Hi, I'm Michelle Orsini, and I am a Sales Representative on the

Santa Sells Houses Real Estate Team.

So I have been in real estate for 12 years now, and

previous to that I went to Western here in London and I worked for my parents bakery,

The International Bakery, basically since I was 14 and until I got

my real estate license.

I am married with two kids.

If there's one thing I can say,

it's that growing up Italian, family is everything; big meals, togetherness, a lot of

yelling and shouting when we actually all really love each other very much.

Some of my interests include playing soccer, I love fine wine, I do love eating and going out

and drinking with good friends.

So my role on the team is basically I take

care of all the resale listings.

So I help sellers prepare their home for sale,

price their home, and negotiate offers and get them on their way to putting a

sold sign on that front lawn.

People think that they only call a real

estate agent when they're thinking about selling their home, I want people to know

that I want to hear from you when you're thinking about renovating.

Call me I can help you

make sure that you put the right investment in the right places in your home.

So I really want to hear from people in other times than when they're selling.

If you're just curious about what the market is like, I'd be more than happy to

offer free market evaluations.

You'know, there's never any obligation to sell,

I really - I just want to help.

Thanks for watching and... that's it.

Thanks for watching!

For more infomation >> Who Is Michelle Orsini? - Duration: 1:45.

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God is Kind but STERN - Duration: 4:48.

God is kind. Jesus Christ forgives all our sins He pardons us, and He makes us

children of God, if we accept Him, but what people do not understand is that

God is also stern. This rebellious generation does not understand the

sternness of God and the discipline of God. God is unrelenting. He demands

absolute obedience to the words of Jesus, because those are the words of eternal

life. God is unbending. He does not compromise,

to anybody or for anybody. God does not relent. He does not give up

on that which He commanded us to do. He does not change.

God is rigid. There is no shadow of changing with God.That which He said, He

will do. He will punish all disobedience. The wages of sin is death. If we turn

away from Jesus and we go back to sin then God will discipline us, and if we do

not accept discipline, we will perish, because God does not tolerate sin. God is

exact about His requirements. the words of Jesus Christ are exact. They are not

open to interpretation. Jesus said that if you look at a woman

to desire her, to lust after her, you have already committed adultery in your heart,

and adulterers will not enter the kingdom of God. Those who disobey Jesus

will perish, even though they did experience the

kindness of God, even though they were born again. Jesus said that every branch

in Him that does not bear fruit will get cut off and burned. Such born-again

people who have experienced the kindness of God and who became children of God,

but who do not bear fruit, will get cut off and burned. They will end up in hell.

God does not change. God does not tolerate sin. God does not tolerate

disobedience. Without holiness no man shall see God. The soul that sins will

die, will perish in hell. No sinners will go into the kingdom of heaven.The

kindness of God leads us to repentance, and holiness, to obedience to His

commands, which are the words of Jesus Christ, the words of eternal life. Those

who disobey Jesus will perish. Those who rebel against Hm will not enter His

kingdom. Jesus Christ is the same yesterday, today and forever. If we obey

Him, we will live. If we deny Him, disregard and disobey Him, we will perish.

We need to understand the kindness of God, but also the severity of God, the

sternness of God. God that does not change, He does not tolerate

disobedience. Fear Him, obey Him, and you will live. There's only one way and that

is to follow Jesus Christ, obey Him and you will live.

May Jesus bless you.

Jesus Christ is alive and hell is real. I am here to

introduce you to Jesus Christ so that you can know Him and follow Him and have

eternal life. Subscribe to my channel to learn more about Jesus. May Jesus bless you.

For more infomation >> God is Kind but STERN - Duration: 4:48.

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What Credit Score is Needed to Buy a House? | This is the MINIMUM Credit Score Needed to Buy a Home! - Duration: 4:32.

What credit score do you need to purchase a house?

Guys let's just jump in.

I have Rich Conlon here with me.

Rich, what credit score do you need to buy a house?

Basic minimium you should start with is 640.

Having said that however, there are programs out there that will allow below a 640.

You can probably classify them as a niche program or a portfolio product.

We at Atlantic Coast Mortgage and credit unions in the local area also offer those so they

come with slightly higher terms but do allow for less than 640 credit scores.

So if I don't have 640.

If I'm at 590.

610.

620.

Is this something where I should wait to pay off some debt or are one of these portfolio

programs an option for me?

It's going to depend.

With those lower credit scores, a downpayment of 5 - 10% is going to be required.

You will definitely be considering a larger downpayment.

The lower the credit score, the larger the downpayment can be.

It can be up to 30% for one particular product that we have with a 580 score.

It's one of those things where it's designed to help you get into the home if you're in

the early stages of recovery.

If a downpayment is not an issue for you, the portfolio and niche products can be a

helpful tool.

Again, for any conventional program: VA or FHA, 640 is going to be a good baseline.

640 with an asterix.

So it's like Barry Bonds.

Yeah he's the king but you got to remember all the other stuff.

640, but maybe the opportunity if you're a little below.

So what if hypothetically I'm at 640 and 3 weeks before I'm scheduled to close, I'm no

longer at 640.

I'm at 600.

Does that even matter?

Every mortgage lender is required to do a credit refresh or a credit check the week

before closing to ensure if you're buying a boat.

I actually had a friend who bought a boat.

He closed recently and we were just talking about this - what's the one thing you don't

do....

You buy a boat.

Don't do that!

But somehow he bought a boat, super stoaked about it, and he just closed on his place

recently.

And he closed, he made it work.

There's two layers to this.

If it's below the minimium requirement, there's a bigger issue; yes.

The other is if you meet the minimum requirement from a program standpoint you're OK, but,

depending on how significant the difference, typically if it's bigger than 20 points in

your credit score, that can have an affect on your loan terms.

The Fannie and Freddie conventional loan pricing system is typically in tiers of 20 so if you're

at 690 or 700 rather and you drop below 680, the lender could very well be reaching out

to you letting you know that your rate is going to be different for the long haul and

it's going to happen before settlement.

Most lenders do inform you when going under contract and issuing disclosures that you

should please consult your lender before opening new lines of credit.

Furniture is a big common question.

We're not trying to dissuade you.

Definitely reach out to us.

We're not saying you can't do it.

We just want to be mindful of that if things are tight and there's going to be a negative

impact moving into the home.

Nobody wants to buy a $5,000 couch or open a line of credit at a furniture store and

then ultimately have no house to put it in.

It's one of those things to be mindful.

We always advise against it but if you're in dire need or if you're considering it,

just reach out to your lender.

Cool.

640.

That's what you need to know.

For Rich and myself, thank you very much for watching.

Create a productive day.

Take care.

For more infomation >> What Credit Score is Needed to Buy a House? | This is the MINIMUM Credit Score Needed to Buy a Home! - Duration: 4:32.

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Renault Kangoo Express 1.5 DCI 70 GRAND COMFORT de Prijs is ex BTW - Duration: 0:56.

For more infomation >> Renault Kangoo Express 1.5 DCI 70 GRAND COMFORT de Prijs is ex BTW - Duration: 0:56.

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What is a "Brand Voice"? - Duration: 3:26.

Hi everyone, It's Genevieve from Generate Creative Consulting. So we talked about

what is a Brand or what's the idea of Branding and why it's important to your

business, but let's take it a little step further and talk about something that

you can do to help build that brand and to help inform people about what your

brand actually stands for and that's a Brand Voice. So I know it's another

marketing term but bare with me and let's talk it through. So a Brand Voice

is the language, the style, the tone, even down to whether you use contractions or

abbreviations when you put out your flyers, your marketing, your press

releases, everything on your social accounts, all of that language that you

use it builds your Brand Voice. And the way to think about it is when we get to

know somebody new something that helps us when we're getting to know that

person is that we get comfortable with their style, their tone and the way that

they speak even if they have an accent. Think about your very best friend in the

world. The person that you've known the longest. You can probably sitting there

right now think of the way that they speak and even things that they say a

lot. Now imagine if that person went away to the UK for six months and came back

with an accent. Yeah, it would probably be good for some some laughs but it would

probably also make you feel a little bit uneasy because this person that you've

known so long suddenly seems different and you probably would feel like maybe

you don't know them as well. And that's what's happening every time that you

push something out marketing wise whether it's on your social accounts or

through a flyer or an advertisement and it's a different tone and style every

time. People can't get to know you so they get this kind of uneasy feeling.

They may say, "oh yeah I'm kind of familiar with them" but they probably won't know

exactly what you stand for and that's why it really helps to plan out what a

brand voice is because you are a business or an organization that brand voice

doesn't always come naturally and the reason for that is

you might have multiple people managing your social accounts or your marketing

or you've had multiple people over the years doing that and also it may be if

you're a small business owner that your personal voice is very different from

your business voice or there's differences that you would like to have

between those two. So you really do need to think about it, it's not something

that always comes naturally. Ways to get started with that as far as your Brand

Voice is actually just sit down and think about your business or your

organization as a person and imagine what that person would sound like. What

types of words would they use? Would they use a certain style or tone? Would they

use contractions and abbreviations? Even all the way down to would they use

emoticon or emojis when they're when they're typing messages? Thinking about

that, planning that out and also writing it down so that you have it for future

use so you can always refer back to will help you to build out your brand voice

which will help your customers and future customers get to know you. If you

ever have any questions ,need a chat or just need some help feel free to give a shout.

For more infomation >> What is a "Brand Voice"? - Duration: 3:26.

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#RichiefromBoston is a deceiver and member of a Cult #Armstrongism - Duration: 1:53.

For more infomation >> #RichiefromBoston is a deceiver and member of a Cult #Armstrongism - Duration: 1:53.

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What Is Your Mobile App Missing? | Astute Solutions - Duration: 2:39.

Imagine...You are baking a pie from scratch.

You've been hard at work in the kitchen, and finally, the pie is in the oven.

As you wait for the pie to bake, you realize something important -- you forgot to add sugar!

Missing this key ingredient will throw off the whole flavor.

In a similar way, brands are releasing mobile apps into the marketplace that are missing

a key ingredient: effective customer support.

Today's "always on" customers are never far from a mobile phone; in fact, 9 out of

10 people keep their phones within a 10-foot radius 100% of the time.

To keep up, your mobile app must deliver the level of service and support your customers expect.

Here are six steps to accomplishing just that...

Make it easy for users to find in-app support when they need it.

Add self-service functionality that allows customers to search for their own answers,

in their own words.

Not only do your customers prefer to search for help on their own, self-service has been

shown to significantly reduce contact center volume -- which frees up agents for more valuable tasks.

Mobile app users expect shorter, simpler interactions, so streamline the experience -- for example,

save them time by displaying your top questions, and by showing suggestions as they type.

Leverage existing content from your knowledgebase,

internal documents, business systems, and external sources.

This approach makes it easier to get started and to maintain accuracy going forward.

Keep the experience consistent with the service customers receive from other channels by using

one knowledge management and CRM solution to support all customer engagement.

If a customer needs help beyond what the app can provide,

make escalating to a live agent a seamless transition.

You can accomplish this by escalating without switching channels or devices, and by providing

the agent with context on the customer and the interaction.

By providing better in-app support and self-service, you stand to increase app adoption and usage,

customer satisfaction, and brand loyalty.

Is your mobile app missing this key ingredient?

Self-service technology from Astute Solutions

can ensure you're delivering the experience your customers want.

Learn more at astutesolutions.com.