Waching daily Jun 3 2018

hey what's up guys welcome back to money live TV Mike the CPA here I have a very

special video for you guys so I really encourage you to watch this from start

to finish as we talk about why I think having a job is no longer enough to get

ahead financially have you ever felt like what you're doing is not you're not

really getting ahead have you feel like things are do you feel stuck do you feel

like you're trapped in debt do you feel like things are so expensive well I have

a couple of things I want to share with you as to why that is and and which will

explain why I think having the job just will not get most people ahead to where

they want to be financially anymore and the current economy we live in in fact I

think it's nearly impossible to get ahead anymore with just a with even just

a good job. I found for myself the harsh truth was that

when I looked up my numbers of how much I needed to retire and based on how much

things cost nowadays in 2018 I realized that it was gonna be a very slow going

process and that I needed to change in order to prepare myself financially in

the future for what's ahead so let's go ahead and dive right into the

information all the links all the websites you're gonna see today guys and

the articles are is going to be linked up in the description section down below

so make sure if you want to read more about them make sure to check it out so

I think it really starts back in 1970 around 1971 when Richard and Nixon took

us off the gold standard it says why did the u.s. abandon the gold standard and

if you read these articles and there's several of them online I look at the

cute kitty cat but if you read the articles it basically indicates that one

of the primary reasons there's two primary reasons that the government took

us our currency the dollar bill off the gold standard one it was mainly for the

purpose of economic growth by the dollar bill no longer being linked to an assets

the government then could print money whenever it needed whenever it felt the

economy was in trouble and it's stimulate the economy its stimulate

economic growth by just printing money the other thing it could do by the

dollar bill no longer being tied to gold was it could then manipulate the

interest rates it could move the interest rates up or down and so it

since then 1870's if you look at interest rates the

interest rates have fallen from about a high I think of around fifteen percent

down to two to three percent of where they are today so very very low interest

rates over the past you know 30 40 50 years that's the direction interest

rates have gone now of course and then the last part with coming off the gold

standard the the US are the foreign foreign countries could no longer buy up

the u.s. gold supply and the u.s. gold reserve so that was another reason the

US came off the gold standard for the dollar bill now we're on my budget 360

of course when you take off the US dollar bill off the gold standard and

you create more money into the economy you can you can adjust the supply of

money what happens well inflation happens starts to happen

over time so says the cost living shuffle we continually hear about the

middle class shrinking but where are they shrinking too much of the

disappearing act has come at the hands of inflation that is their income is no

longer sufficient to support the items that we once categorized as part of the

middle class a car a home a college education for the kids and basic health

care for many Americans these items are all getting out of reach and for those

that purchase them they are required to go into massive amounts of debt with

banks so this is kind of a cool graph I found a cool chart that basically

compares the cost of goods from 1975 to what they cost in 2015

obviously these have gone up since 2015 because we're in 2018 so back in the

1970s believe it or not homes only cost around $50,000 they're very expensive

whereas today you guys probably noticed that homes cost two hundred and seventy

thousand three hundred thousand even four hundred thousand or more depending

on where people live so what I found is that homes are five to eight times more

expensive than what they used to be when our parents purchased them in 1975 a new

car would only cost you around four thousand dollars fast forward to 2015 a

new car is now costing people around thirty thousand dollars an average and I

think that's still around the average of what it is today in 2018 in nineteen

seventy five public college with only here around $2,000 but now public

colleges around $19,000 in 2015 and that number continues to go higher every year

what about private college private college would run you around $4,000 in

1975 jump fast-forward to 2015 $42,000 gasoline only 59 cents a gallon

in 2015 gasoline is between two to three dollars a gallon so as you guys can see

this is a common trend prices just keep going up mainly due to inflationary

concerns and this is what happens when more money can be printed and the supply

of money increases things go up the cost of living increases but unfortunately

wages do not keep pace with the inflation according to the street US

standard of living has fallen more than 50 percent using the using the year 2000

as a numerical base from which to zero all of the numbers real wages peaked in

1970 at around $20 an hour today the average worker makes $8.50 an hour more

than 57 percent less than in 1970 and since the average wage directly

determines the standard of living of our society we can see that the average

standard of living in the US has plummeted over 50% 7% over the span of

40 years so basically in a nutshell everything costs more so compared to

when our parents were around their dollar actually purchased them more

goods and services back then then our dollar does today therefore every dollar

we work for we actually work harder and harder for less and less money because

the purchasing power of our dollar has declined

I graduated from school that was a lot of high paying jobs stock markets going

up real estate markets real estate prices were really cheap you can buy a

condo for $18,000 on the beach in Maui you know today you don't do that because

the government has mismanaged our economy and so and so you guys younger

guys you have you have to be 10 times smarter than me so if you're not even if

you go to college it doesn't doesn't guarantee you you'll do well I thought

this was the interesting articles many Millennials actually wish they had grown

up in baby boomers times if you read the article it basically talks about many of

the Millennials would actually give up their cell phones believe it or not in

order to have the quality of life their parents once had of having pensions of

having retirement of having having a steady income a steady job and having a

place to live a house that they could actually afford now as prices go up so

does the likelihood that people will go into debt and if you look at student

loan debt today in 2018 the numbers are shocking

it's article was published in May of 2018 the total u.s. student loan debt is

about one and a half trillion dollars in 2018 over forty four millions of

Americans are indebted with student loan debt and the average monthly student

loan payment for a borrower between the ages of 20 to 30 is 351 dollars per

month if you read these different statistics you'll easily discover that

the average student loan payment for fourth an average person is between two

to four hundred dollars a month depending on how indebted they are and

their interest rates and things like that

we often hear in the news and the media that the average whatever inflation is

anywhere from two to three percent annually on average but there are many

things out there that rise so much faster than inflation things such as

homes cars health care costs and you know it

tuition tuition rises much faster than inflation according to this article

published by us today today the nation's top 50 private universities as ranked by

the US News and World Report are upping their tuition by an average of three

point six percent annually a handful are even raising their tuition rates by more

than four percent according to their websites and some are even doing it five

percent or more and I'll be honest with you guys over

the years I've looked at articles that relate to the actual inflationary

increase in tuition and now it definitely it certainly depends on what

school you're looking at but for many schools the rate of inflation annually

is anywhere from four to seven percent here is leis University for example so

back in 2016 to 2017 their price was around forty-seven thousand dollars or

forty eight thousand dollars to attend that university four-year school but now

they've increased their price have around fifty thousand dollars which is a

their tuition is rising by about five percent annually and like I said many

schools are are increasing their tuition at a rate of seven percent annually

which is why the average student with their wages not keeping pace based on

what we read here and how the standard of living has diminished as the

purchasing power of our dollar has diminished over time unfortunately

students are going more and more into debt in order to try to get ahead

financially more much more so than their parents ever were because their dollar

just no longer buys them enough because our younger generation especially

Millennials and those who are younger don't have the financial means or don't

have many of the same opportunities their parents once did they are much

like more likely to slip at home longer eight years a free room and board is

long enough that is the feeling of an upstate New York couple who's been

trying to kick their thirty year old son Michael Rotondo out of their house as

incentive they gave him money to get started they even sent him several

letters to vacate but the son says he was not given enough notice so as you

can see this based on these simple graphs and you can read the article but

but I want you guys to notice that if you look at the graph even going back to

1964 the numbers have been increasing the number of young adults who live at

home has been increasing since then because this the cost of living just

keeps going up and obviously as Millennials in the younger generation

are living at home longer they're putting off marriage and one of the

other things they're putting off is Parenthood many of them are waiting

longer not only to get married but they're waiting longer to have children

all right guys I just want to start wrapping up the video right here

I know we talked about a lot of the challenges our younger generation faces

and just adults face now in our everyday world but in the next video in a

follow-up video I'm gonna discuss some solutions of what I think people need to

get do to get ahead financially in 2018 I know and I remember looking when I

learned this information I came to realize that the amount of money I

needed in order just to not only maintain just a basic standard of living

but also now to have to fund my own retirement I came to realize that what I

was doing just even at my job a good job a job were and I'm not actually my

employer here by any means so please don't misunderstand me and I'm not

talking to people who are financially irresponsible here I'm what I'm talking

to those who want to get ahead financially to those who are are

financially responsible even if you are frugal even if you're strategic with

your finances it's becoming harder and harder and harder to get ahead by just

having a job there so what's the solution so that in the next video we're

going to talk about that but it was a hard pill for me to swallow to learn

that what I was doing might not be enough to get me to where I wanted to be

in the future and so as I wrap up this video right here I encourage all of you

to stop and think about what you're doing right now think about where you

want to be financially think about your goals is it enough is what you're doing

gonna be enough to get you to where you want to be in the future think about it

I challenge you to think about it I challenge you I know it's a hard thing

is a scary thing to think about it but I want you to honestly deep down think

about that kind of stuff and and see if your head than on the right path but

because of these factors guys because of things just keep going up exponentially

and many things are increasing much faster than the rate of inflation health

care homes you know cars tuition all these things that many of our parents

had as basic necessities are you know are a lot of them are basic necessities

that these our younger generation has a harder and harder and harder time of

getting ahead and so in the next video we're going to talk about that of ways

to get ahead and what I'm doing right now to get ahead financially based on

the economy in 2018 and beyond I hope you guys enjoy this video I know this is

something a little different than what I normally

produce here on this channel but I hope it made you guys think and I would love

to hear your opinions on this do you guys think a job is enough anymore do

you think that a person with one income can still get ahead especially if they

have a family to have kids can they sit still save for retirement I

would love to know your thoughts I would love to hear what you guys think about

this subject this is a subject that is not taught in school and I don't think

anybody's gonna tell you this information

nobody's gonna pull your head out of the sand nobody's gonna tell you that

whether or not you're on track to hit your goals but I think that if you when

we look at the big picture I find at least for myself that I need more than

just a job to get ahead financially in this economy and I would love to know

what you guys think about that all right guys I love you have a wonderful week

thanks for tuning in and watching on my watching this video if you have not

already subscribed be sure to do so every single week on this channel we

make new videos to help you with your finances investments taxes and so much

more so I hope you subscribe and share this information with a friend and I

will see you in the next video thanks guys peace out

For more infomation >> Why a Job Is No Longer Enough In 2018 💵 (More Income Needed!) 💵 - Duration: 14:17.

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Ian Hutchinson: 'I want to race the TT until there is no more magic' - Duration: 15:34.

Ian Hutchinson: 'I want to race the TT until there is no more magic'

"I don't love it because it could kill you," Ian Hutchinson says as he tries to explain why, exactly a year since it left him unable to walk for 11 months, he is racing again this week in the TT on the Isle of Man.

The Tourist Trophy, or the TT, as the world's most dangerous road racing series is known, has marked Hutchinson.

You can see it in his limp as he uses a stick to help him reach a seat where he can address the TT's enduring appeal and perennial threat. Hutchinson is third on the list of all-time winners with 16 victories.

He pauses when reminded that Guy Martin, a former TT rider, said: "I love it because it can kill you." Hutchinson suffered another horrible crash in last year's TT Senior race, breaking his leg badly on Snaefell Mountain.

It was the same leg that was almost amputated in 2010, shortly after Hutchinson clinched a record five wins in TT week.

The 38-year-old Yorkshireman looks at his damaged leg. "I've had seven operations since this crash, 37 operations altogether. The leg is not the prettiest, that's for sure. But I don't want to die at the TT.

When you are at one with it, racing at incredible speed, it's a magical feeling. I want to race the TT until there's no more magic.".

Hutchinson's arch-rival is Michael Dunlop, who is nine years younger and also on 16 victories. Dunlop and Hutchinson do not like each other and clashed angrily at the TT in 2016.

Yet road racing is so close-knit it is understandable when Hutchinson stresses how Dunlop's uncle, Joey, the greatest TT rider with 26 wins, first showed him the thrill of racing.

"I went to the TT in 1997 when I was 17," Hutchinson recalls. "I didn't know anything about racing but I remember lying under a motorhome in the pouring rain.

Joey Dunlop came through Quarry Bends at high speed in the sheeting rain and I thought: 'What on earth is that? Wow.

Joey Dunlop died on his bike in 2000 and eight years later his brother, Robert, Michael's father, also lost his life while racing.

Two days later Michael Dunlop won the very race his dad had been practising for in the North West 200. "I was there," Hutchinson says, "and it was incredible. It's a racer's mindset. Nothing stops you because you're made that way.

What good would it have done him sitting on the sofa at home and not racing? It wouldn't bring his dad back. He did the best thing and won the race.".

Death is never far from the TT – 256 racers have perished on the island, with the latest fatality occurring a few days ago. Dan Kneen, Dunlop's team-mate, died during Wednesday evening's practice.

Another rider, Steve Mercer, remains in a critical condition. Two days earlier, Richard Quayle drove me around the course in a high-performance car.

Known as "Milky" because of his childhood resemblance to the Milky Bar Kid, Quayle is one of three islanders to have won at the TT.

But the course almost killed him in 2003 when he hit a wall at 160mph and spiralled across the road. Quayle was unbelievably lucky.

He punctured a lung and a kidney, broke his left shoulder and all the ribs on that side of his body and lost his spleen. Fifteen years later he bubbles with enthusiasm.

"There's nothing like the TT," Quayle exclaims, suggesting that the racing is better than sex because "the orgasmic feeling lasts the whole 37.7‑mile course. At the start you open the throttle and fly down Bray Hill.

In 10 seconds you're gone from zero to 170 mph. You've got 24 litres of fuel between your balls and your bike's a beast.

But as the tyres warm and you find your rhythm, you're going 200mph on the super-duper fastest sections. The bike gets lighter as the fuel empties and, elbows and toes in, head tucked, you're flying.

"We know the dangers but, in a sanitised world, there is freedom in the TT. Of course we appreciate how vulnerable riders are on a course that can be bumpy and a real bastard, but the TT is a thing of beauty.".

Quayle now coaches new riders at the TT.

He spends weeks, months and even years helping them understand a course that climbs from sea-level to 1,300 feet, hurtling through built-up towns and country roads and up into Snaefell Mountain, testing its contestants with 227 bends and variable weather conditions.

He shows me how the strobing effect of dappled sunlight steaming through the overhanging trees makes the TT's roads so stunning yet deadly.

It's an exhilarating privilege when, after Quayle checks I'm "OK with speed", he drives me around the course, making me gulp just a little when we zoom over the mountain at a heart-racing lick.

But there is gravity as he shows me places where riders have died. "A good friend of mine, a Japanese rider, Yoshinari Matsushita, died here [in 2013]," Quayle says he slows at Ballacrye. "I call it Ballascary.".

We zip past Quarry Bends and whoosh along Sulby Straight as Quayle makes me feel a smidgen of "that warp factor on your bike". Up in the mountains Quayle points out the exact spot where Hutchinson crashed last year.

"Just before it happened," Hutchinson told me, "I thought, 'This is perfect as I'm faster over the mountain.' The next minute I'm sliding up the road.

Another bike was coming and when you've been ridden over before you don't want to be hit again.

I needed to get out of the way but my leg was facing the wrong direction and it felt like my arm was broken. It took a bit of doing but I managed to shuffle off the road.

The next bike came through within seconds. "My femur was half the length it was meant to be and my foot was twisted around the wrong way. I woke up in hospital.

My girlfriend and dad stood there and I said: 'Have they restarted the race?' I had this crazy thought it had been red-flagged and if the bike wasn't too bad I could restart.

But I could see my leg was snapped in half so I don't know what I was thinking. I wasn't even on drugs then.".

His surgeon had to break and lengthen his tibia, the one bone in his leg unaffected by the crash, to compensate for the middle of Hutchinson's left ankle having been removed completely.

As he has only recently started walking again with a stick, Hutchinson sighs.

"People say I should pack in now because I'll end up losing my leg or I'm pushing my luck and the worst could happen. But I didn't need to break my leg again to know how dangerous bike racing is.

As riders we see some horrific things and if that doesn't stop you then this crash won't end it.". Phillip McCallen, who raced in the TT from 1989 to 1999, shares seventh spot on the all-time list with 11 victories.

The amiable McCallen also remembers his record for the most wins in a week, four in 1996, until Hutchinson broke it 14 years later.

Stephen Davison, the photographer who knows the riders so well and who joined me at the North West 200 and the TT, says: "Phillip was a brilliant rider and he's a very nice man – but he was the craziest bastard of them all.

Fans of a certain vintage remember Phillip as the man with the mad eyes. He raced on the edge but got away with it.

"Phillip had a crash where he could have been paralysed so he was smart enough to get out. But the TT grips many people and they can't escape.".

McCallen was a team-mate of his idol, Joey Dunlop. He also carried Dunlop's coffin at his funeral and was hurt terribly on his bike. "I was in a coma three times," McCallen says cheerfully.

"One time the doctor said: 'We thought we'd lost you, fellow.' I had a very bad smash at The Nook, in the TT, and I've got a couple of fractured skulls and I had my back broken twice as well as my shoulder, pelvis and legs.

We call that normal. If you crash on a bike and you can walk, well, that's good.". He is more serious when considering Hutchinson's ordeal. "There will be people closer to Hutchy than me saying he should think carefully about racing.

We're friends but I'm not his best friend so he doesn't need me telling him. I understand because I was also a racer.

He's in a horrible position but I was luckier. I wasn't going to race on until I died. I'm a better engineer than a rider so I changed my life.".

McCallen is now a successful motorbike dealer in Lisburn but he has been tormented. In 1992, at the Ulster Grand Prix, he was accused wrongly by Robert Dunlop of causing Steve Johnson's death.

The case went to court and McCallen was in trouble until a doctor supplied amateur video footage of the race. McCallen was exonerated totally.

Did he forgive Dunlop? "Yeah, well, I had to. It took a few years, but you mature and mellow out of racing. You're not competitive anymore so you think better.

"Robert was still a very good rider the day he died. But he had struggled with injury a long time.

He was headstrong, like Michael, but he'd lost use of his left hand so he had to modify his bike – like Hutchy has done. That's why I worry it will end in tears with Hutchy.

But these men are born racers. I just stumbled into it and the first time I raced I said: 'Oh my God. You know the nicest girlfriend you've ever had? This is better.'".

What does McCallen think of Martin's quote about death framing his love of racing? "I would never want to die on my bike.

You see John McGuinness [second on the all-time list with 23 wins] before a TT and he hugs his wife. They have a kiss and a few tears and off they go.

It's like they're expecting the worst. I didn't do that. I'd just say: 'See you in an hour.'". McCallen makes TT racing sound routine. But for Davison, who has photographed the race for decades, there is still awe.

"You get this incredible buzz as you stick your head through a hole in the hedge and watch them fly past. Christ only knows what it's like for them. There's no way we could know. What in God's name is it like?".

Hutchinson knows and while there were demons he had to conquer when making his comeback last month at the North West 200 he seems to have banished fears of crashing and dying. "I only fear not being successful," he says.

"It's a shame in any sport when the man who was winning can't do it anymore. I suppose you've got to accept it but I'm not sure I can.".

Milky Quayle also wrestles with ambivalence and uncertainty. He remains in thrall to the TT but he is terrified that his 14-year-old son, Illiam, is following his path.

Quayle had been hoping his boy would stick to the track but Illiam is captivated by the road and the TT.

"It scares me," Quayle says. "I promised my wife I'd stop racing as soon as we had kids. When I had that terrible smash which finished me in 2003 she was pregnant with Illiam.

Now he wants to be a road-racer and what can I say? How can I stop him? I don't think I could bear to watch.".

Hutchinson, however, might find solace one day as a spectator on the island. "I will definitely come back to watch the TT when racing is finally over," he says.

"While I don't want it to end, I'm looking forward to being able to get drunk at night and then, the next day, sit on a bank and watch a race without panicking.

I can look at all those crazy bastards flying past on their bikes and say: 'Wow. Did you see that?'".

For more infomation >> Ian Hutchinson: 'I want to race the TT until there is no more magic' - Duration: 15:34.

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Arduino Tutorial For Beginners Part 6 – What is Arduino Programming Language - Duration: 3:16.

Arduino Tutorial For Beginners Part 6 – What is Arduino Programming Language?

hello and welcome to this brief session in this session we will see an overview

of Arduino programming language we won't be doing any actual programming here we

will just see most widely used components of programming language so

according to my experience I feel in the control most widely we use if-else and

for loops we use for environment and that's the fact and in when operators

the first line you can see we have the earth medic operators and second we have

comparison operator and third we have boolean operators so I assume you

already understand and have used these operators in past if not nothing to

panic and it's very easy to learn we will see whenever we come across these

operators at the last section we have functions so you have already seen pin

more digital right and digital to read in blink LED program and there are two

more functions analog read and analogue right which are very very important so

what I feel it is this set of six functions are more or less very very

useful and why deliberative and that's in fact that's pretty much everything

required to start your Arduino project the other details you will anyway find

from this reference so here I have this Arduino IDE you can go to help and this

help you have lot of offline content so getting started environment reference so

let me click on reference it opens in your web browser

offline page you can see my page URL it says file colon home so I can't are you

know for Windows it will be different of course so here you have complete offline

language reference for example if you want to see digital drain just click on

digital right you will find the description and an example program

going back to the IDE here you have advanced search like

finding reference so ctrl shift + F F in lowercase will also work here you can

find description of any function for example let me select pin mode and go to

health and to find in reference it will search in I do you know reference pages

and locating the pin mode function this is very useful for quick reference see

there are many programs many saris are many functions inbuilt functions which

we do not use very often so I also visit this help manual very frequently

whenever I require I come to this manual and I read about the function but the

finally used functions anyway you will come across day-to-day and you happen to

remember them so that's all for this introductory session from the next

session we will start programming our first Arduino project see you that

For more infomation >> Arduino Tutorial For Beginners Part 6 – What is Arduino Programming Language - Duration: 3:16.

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Configuration on demand is not supported by the current version of the Android Gradle plugin since - Duration: 1:08.

For more infomation >> Configuration on demand is not supported by the current version of the Android Gradle plugin since - Duration: 1:08.

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Report: Turkish President Erdogan Claims Uber's Turkey Business Is 'Over' - Duration: 4:18.

report turkish president dr Dogon claims you verse turkey business is over

turkish President Recep Tayyip ER rogue on told attendees at a Ramadan dinner on

Friday that you burrs branch in his country is over and the interior

ministry gave orders to end its operations / gloom Berg

according to Bloomberg's report he are Dogon said that turkeys cab market does

not need ubirr and that authorities are willing to do what is necessary to push

it out there is no such thing anymore we have our own cab system PR dogon said

they say Europe has it who cares we will decide on this ourselves our interior

ministry gave the orders traffic police will tackle this situation and do what

is necessary uber started offering services in

Istanbul's 1.5 billion dollars taxi market in 2014

taking on the more than 18,000 local yellow cabs in the city of 17 million

people the San francisco-based operator has faced mounting protests

from yellow cab drivers who lost market share as they struggled to maintain

their cars and quality of services with some of the lowest fares in the world

German broadcaster or joelle reported that the proclamation followed intense

protests by Istanbul taxi drivers to play Newburg is operating in violation

with Turkish law PR Rogan who critics have labeled then autocrat as he spent

much of the last few years eliminating checks on his power and

putting or arresting thousands of real and imagined opponents is up for

re-election in three weeks and is backed by the biggest taxi industry groups

according to bloomberg PR doden said the legal basis of the intervention is that

you BER operates under D 2 licenses which costs around three thousand five

hundred 50 liras roughly seven hundred sixty dollars annually and are not valid

for taxi operation standard taxi license plates cost significantly more at around

1.6 million liras $360,000 rulz recently implemented in Turkey

means the fines will be sharply increased for holders of d2 licenses for

larger vehicles who illegally work as taxis per day FP as well as stipulate

that the company the driver works for can be blacklisted for up to two years

for multiple offenses jfp added that state news agency Hinata li reported

that the first five months of 2018 saw uber drivers in Istanbul alone struck

with eighteen point nine two million dollars we're at nearly four point 1

million dollars this situation there's significant resemblance to the response

in other countries where you Burke has been accused of gaining a competitive

advantage drew loopholes for outside violations of local law though in this

case it's slightly unclear whether you will truly be forced out or Ivar dogon

is just posturing on the regulatory overhaul before the elections turkish

taxi associations are hailing the new rules and destroying the company's

business model the first leg of uber and pirates like them has been broken

Istanbul taxi Chandler had a a box suit wrote on Twitter purred AFP dot dot dot

we will ask with determination until this pirate transport is completely

finished we thank everyone who has worked on this legislation neuter told

beasts well that it was committed to remaining in Turkey we want to work in

cooperation with all the relevant stakeholders to improve transportation

options in Turkey and we are committed long term to Turkey to the end as a

loyal partner uber has a history of deceptive tactics

like it's grape off program to identify and avoid the scrutiny of law

enforcement worldwide but under the leadership of CEO Jericho so she has

publicly insisted it is reforming for example the service is making the

massive push to restore its permits in London where regulators beam did not fit

and proper to continue operating in 2017 pending appeals