Thứ Hai, 18 tháng 2, 2019

Waching daily Feb 18 2019

Hello and welcome, I'm Gina Shakespeare.

Thank you for joining me on this episode of Declassified.

So, today on the show, a story from one of my favorite Epoch Times writers, Brian Cates.

His story: 'The Paid-Propaganda-As-News Scam' One of the biggest dirty secrets of the DNC

Media Complex is that, for some time now, journalists and prominent media outlets have

been receiving information—and in some cases, even money—from political operative groups

on behalf of their clients.

Brian Cates calles this dirty secret the "Paid-Propaganda-As-News Scam."

Over the past 10 years or so, numerous of these "propaganda shops" have sprung into

existence around the periphery of U.S. news media.

Naturally, media outlets don't want the public to know about these middlemen who provide

information for the stories they produce.

They want to maintain the illusion that they are completely neutral truth-telling conveyors

of just the facts in their coverage of daily events and in their opinion columns.

So, here's how the "disguise our paying client's propaganda as our own news coverage"

scam actually works: Let's say you're a fabulously wealthy Saudi prince who doesn't

like the recent direction that Mohammad Bin Salman has been taking your country for the

past few years, and you'd like to try to influence American public opinion and—by

extension—U.S. foreign policy toward Saudi Arabia.

Well, what you do is, you pay one of these big political operative firms big money to

get your point of view published in the U.S. news outlets.

So you give the propaganda shop the talking points you want the "news" articles to

make along with a great big pile of cash.

Sounds far fetched, right?

Does it?

Well, not exactly.

It's already happened, as crack investigative reporter Lee Smith detailed in a column he

wrote two years ago.

That's what Smith wrote in his article.

That's what Smith added.

As you can readily see, any "news" outlet that does this kind of thing isn't really

in the news coverage business any longer.

The entire recent Jamal Khashoggi fiasco for The Washington Post is just one of the latest

examples of how the media outlets keep being exposed as playing this sordid game.

Khashoggi was an "opinion columnist" for The Washington Post who turned out to actually

be an agent of the government of Qatar.

Jim Hanson, the president of the Security Studies Group (SSG), wrote an excellent explainer

of The Washington Post's Khashoggi scandal at The Federalist recently.

That's what Hanson wrote.

As Hanson pointed out, The Washington Post wrote that:

In another example, the House Intelligence Committee—which

has been investigating the Spygate scandal—has obtained the financial records of political

operative firm Fusion GPS.

The records of Fusion—which was at the center of the operation to prevent Trump from becoming

president—reveal "12 transactions associated with payments to four journalists and/or researchers."

It also reveals "12 transactions associated with payments from media Company A." It

remains unknown who the specific journalists and media were that received the payments.

What we do know, from court records in the UK, where former MI6 spy Christopher Steele

was being sued, is that Fusion GPS instructed him to give secret briefings to the media

organizations on multiple occasions.

Among those briefed by Steele on the unverified dirt he produced on Trump were reporters at

The New York Times, The Washington Post, The New Yorker, CNN, and Yahoo News.

It's very telling that for more than a year while congressional Republicans played by

the rules and sat on this information, none of it was leaked by the Democrats to their

media allies.

That points to these payments to media outlets being highly damaging information, since the

Trump-Russia conspiracy theorists—both in Congress and in the media—can't figure

out a way to spin this information, not even as damage control.

When those financial records become public information—as they inevitably will—a

whole lot of well-deserved consequences are going to descend on media outlets that willingly

prostituted themselves in the service of spreading fake narratives they knew were Fake News.

That's all the time we have for this episode of Declassified.

Please leave your comments below.

What do you think of the Fake News epidemic that is sweeping America?

So, who are the main offenders of Fake News, and who are some of the better media outlets

out there?

Do leave your opinions below; I would be interested.

Also, who do you think we should collaborate with here on Declassified?

If you have suggestions, also feel free to leave them.

Plus, if you have not subscribed, which I think the majority of you already have, feel

free to hit the subscribe button.

Thank you very much for Liking, Commenting and so on.

I look forward to seeing you probably tomorrow.

Until then, take care.

For more infomation >> Is Your News Real? - Duration: 6:23.

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How Metro Exodus Is Changed In Japan - Duration: 2:13.

This video is brought to you by NordVPN.

Get a huge 75% off via the link in the description.

Metro Exodus released worldwide a few days ago and it turns out that not all regions

around the world have received the same version of the game.

The Japanese version of the title has had to receive some changes due to the rules of

the Japanese video game rating system.

As Censored Gaming has previously reported, this was also the case with the previous game

in the Metro series, Metro: Last Light.

Here, the strippers no longer undress in the Japanese version and a scene with Anna now

has her wearing a bra, meaning you can no longer see her partially topless.

These changes were due to rules of CERO, the Japanese video game rating system, which outright

prohibit explicit nudity in games rated by the organisation.

You may have noticed the curious trend of some Japanese games containing high amounts

of suggestive fan service, never showing anything more explicit, unlike many western games.

This is due to the ban imposed by the Japanese rating system CERO and, due to the organisation

rating all console games released in the region, many games have been affected by this.

This even applies to games with the max rating possible - this being a CERO Z rating, meaning

suitable for ages 18 and over.

Like the previous game, Metro Exodus also contains instances of topless nudity, with

around a dozen or so different NPCs being depicted topless in a strip club-type location.

And in the Japanese version, all of these NPCs are now depicted fully dressed instead.

This of course shouldn't be seen as surprising for those aware of the limits of the Japanese

rating system.

But this video should help inform people who either weren't aware of this game's content

or of the rules that games face in Japan.

What do you think of these regulations that are affecting games in Japan?

Please let us know your thoughts in the comments below and consider subscribing to see more

videos on how media is changed around the world.

Until next time, thank you for watching!

For more infomation >> How Metro Exodus Is Changed In Japan - Duration: 2:13.

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The 'Stache is Back! || STEVE HARVEY - Duration: 3:09.

- The beard is gone.

(cheering)

I liked it.

I like the beard.

But you know, every time you do something,

you get a million comments man.

If I change anything man,

when I went bald,

"Why you cut your hair?"

'Cause I ain't want it no more!

(laughing)

I was starting to have some problems with it anyway.

But you know,

I just, I did it.

It's just gon' take some gettin' used to.

Y'all will be alright.

Y'all saw me like this, this what you saw,

but I just came off a vacation,

so I came off vacation, I didn't shave

so I allowed my mustache to get thick again

'cause I had been trimming it down to match my beard.

So once I didn't shave it for a week, it grew thick.

I was sittin' at the house the other day, Sunday.

Sunday, I was sittin' at the house

and my wife came outta the bathroom and said,

"You should shave your beard."

I looked at her like she had lost her mind!

'Cause she the reason I had the beard!

(clapping)

I said, "Baby, what you want me to shave the beard?"

She said, "I like it Steve, but I like it both ways."

(laughing)

But when she said I like it both ways, I said,

"OK, what's really fixin' to happen?"

I got nervous 'cause I don't like it both ways.

(laughing)

But it's gon, look, it's gon take some gettin' used to.

But I've looked more like this for so many years

than I did with the beard, so now people today,

they all over the internet just commenting on it.

Like, there's nothin' I can do.

I'm not married to you.

(laughing)

I'm married to her.

Somebody came in there, "Why you shave your beard?"

'Cause the person I'm with asked me to!

(clapping)

But I tell you what, it's gone.

It ain't the first time somethin' been gone in ya life.

You ever been driving around the parking lot

looking for a place to park and then you see

a spot way over there and you drive way over there.

When you get over there, it's gone.

You ever been shopping at the dollar store,

walk by with your grocery cart, saw something.

Said "OK, I'm gon shop a little bit more.

"I'm gon come back and get it."

When you come back, it's gone.

Everybody know that.

You ever wrapped up a piece of chicken

in some foil, put it way in the back of the refrigerator.

When you get home, you ready to eat it,

you open up that frigerator, what is it?

It's gone.

It's just gone.

It's gone. (clapping)

Hey, let's get into some Hey Steve, let's go.

For more infomation >> The 'Stache is Back! || STEVE HARVEY - Duration: 3:09.

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Chelsea fans DEMAND Maurizio Sarri is sacked for two key Man Utd decisions - Duration: 2:18.

The Blues entertain Ole Gunnar Solskjaer's side at Stamford Bridge in the FA Cup fifth round.

Both managers are desperate to go all the way in the competition for different reasons - Solskjaer is looking to earn the gig permanently while Sarri is hoping to save his job.

The Italian has controversially named a near-identical line-up to the side that was thrashed 6-0 at Manchester City last weekend.

The only change is Mateo Kovacic replacing Ross Barkley and fans are fuming that Alonso has kept his place, while Hudson-Odoi is still not trusted in the first team.

"Blood on Sarri's hands today if we don't win," said one fan on Twitter.

"There's literally no reason as to why Hudson Odoi isn't starting tonight, makes me sick to my stomach.

"Sad thing is if we win or lose Sarri will still choose veterans over talent."

While another added: "Callum Hudson-Odoi on the bench.

"Marcos Alonso starts, Maurizio Sarri gives us more heartache ahead of tonight's game against Manchester United."

"WTF is wrong with that smoking idiot?" tweeted a third.

"Again Alonso starting over Emerson, yet again Hudson-Odoi not given a chance over the old deadwood wingers."

And one supporter appears to have lost patience with Sarri as they said: "Sack this coach please."

Hudson-Odoi was heavily linked with a move to Bayern Munich during last month's transfer window but Chelsea were reluctant to let him go.

Sarri's assistant Gianfranco Zola urged the winger to be patient earlier this week but fans are desperate to see him in action.

"I feel sorry for Hudson-Odoi," said one supporter on Twitter.

"Callum Hudson-Odoi should make up his mind already about leaving the club if Sarri is still the manager in the summer cuz it's clear that he doesn't trust him," added another.

While a third said: "So, will someone explain why Callum isn't starting why Alonso is near this team?"

Confirmed Chelsea line-up: Kepa, Azpilicueta, Luiz, Rudiger, Alonso, Jorginho, Kante, Kovacic, Pedro, Hazard, Higuain

For more infomation >> Chelsea fans DEMAND Maurizio Sarri is sacked for two key Man Utd decisions - Duration: 2:18.

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7 Leo Street Glen Eden - Big is Good! - Duration: 1:18.

- Welcome to 7 Leo Street, I'm Jock Kooger.

- I'm Rachel Ashton.

- And I'm Pawel Smuga.

- Big is good, and this place is big.

It's six bedrooms, three living rooms, three bathrooms,

and a number of different options to look at.

Come have a look through and see what you think.

This is a lot of house and offers a lot of solutions.

- You might have a gorgeous granny who just won't leave,

or some extended guests, or run a business.

So many different options here for all of you.

- Hope to see you at the open homes this weekend.

For more infomation >> 7 Leo Street Glen Eden - Big is Good! - Duration: 1:18.

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Patriots: When Patriotism Is Weaponized - Duration: 10:45.

Well, hey! You discovered Moderate Divide. We take a moderate,

non-emotional look at two sides of a topic. Today's topic:

Patriotism. 'Merica! Let's roll!

Hello, I'm Patrick - proud patriot. A house divided cannot stand

As Americans, we need to stand together. So even if you disagree

with the president, you shouldn't threaten him, you shouldn't

mock him. You shouldn't disrespect people in uniform. You

shouldn't celebrate people who break the law. As Americans,

if we could all follow the rules, we could all get along, even

though we're all very different!

Hello! Safety man, George, here. I think it's important to

remember that law that were written 250 years ago, don't always

line up with today's world. They way we treated women, the fact

that we owned slaves. I think it's very important to remember that

our Constitution was written to be able to be amended. It's very

patriotic to keep up with social and technological trends.

So what makes someone a Patriot?

Look, if you love your country and its citizens, that's patriotic.

Some people are willing to take that to the extreme, and they're

willing to die for their country as soldiers. But for the rest of

us...vote in elections. Stand up for what matters. That's patriotic.

Well, Veterans for sure. And anyone who wears a uniform and tries

to protect our country. I would say any red-blooded American who

loves his country, who wants to uphold its values and make sure

we stay number one...hell that's a patriot to me.

It's not just America. You can be patriotic no matter what

country you're from. Gotta make sure you're not being xenophobic

when you're trying to be patriotic.

Let me clarify something: if I say "US first", it doesn't meant I

don't care about the other countries. It's like when you're on

an airplane and the oxygen mask drops down. You're supposed to put

your own mask on before you help someone else, right? Same thing.

This might be the most agreeable discussion yet!

We'll see. We both define patriot the same way, yes, but I don't

think we agree, necessarily, on when it applies. George has

mentioned "keeping up with the times" a few times, so I think

we might disagree there.

The big divide here, and probably in a lot of discussions, is not

necessarily the topic itself, but deciding exactly where it applies.

Patrick and I have talked previously about gun control and whether

or not we should allow more regulations.

We did, yes, and I think that's a great example, because I think

that asking us to give up our constitutional rights is very unpatriotic.

And I believe that looking out for the safety of our citizens

is extremely patriotic. Even - especially if it requires sacrifice.

So, we agree that we *should* be patriotic, but just don't

quite agree on what that means.

And we can disagree, but let's look at the defintion. A patriot is

defined as "someone who vigorously supports their country"

-Right we established that part.

-"and is prepared to defend it from its enemies and detractors."

See, this is a call to action. This is when, if we have a

disagreement, it can escalate.

Right, so the question is: Who's the enemy? Who are these detractors?

That's a good point because, anytime two people start arguing, it's

too easy to immediately decide "you're my enemy", and that's not healthy.

The problem is that when emotions flare up, logic goes out the

window. I mean people might call me racist and sexist about every

little thing, while they're trying to erode the foundation of our country

But disagreeing isn't a problem. We should encourage people to

think and to express their ideas, because this is the way you can

grow. And I think again, being willing to adapt and change and

grow is extremely patriotic.

Right, but as we figure out how we grow, there are certainly lines

that can't be crossed. There are certain principles that we were

founded on that we need to maintain.

Well, which lines do we care about? Who determines that? Is it

the president? The congress? Congress is supposed to be representing

their little portions of the country, so if their section of the

country wants change, they should be pushing for change.

Well, first and foremost, the constitution needs to be the

foundation for every political discussion. Beyond that, though,

if you're wanting everything to change, if you hate that much

about the country, that doesn't sound very patriotic to me.

No, don't hate your country, and yes, we should protect the

constitution. But the constitution was created to be amended.

The fact that we can change it, is not unpatriotic.

To an extent, yes, but we shouldn't be taking every radical,

extreme idea from social media and adding it to the constitution!

Of course there need to be limits, but think about it: at the time,

abolishing slavery, or giving women the right to vote, these

things were considered radical, and yet now they're amendments

that, at least most people, think we should keep.

This is true, and this is why these decisions are very important.

That's why we need to make sure we're doing what's best for our

country and for our future. We need to make sure it's not just

someone's upset that they're not getting their way. Once we've

decided something, that's the way it is - accept it.

That's how it is. Except when we made the 18th amendment. Which

was prohibition: prohibiting the sale of alcohol. That stayed in

effect for over a decade until we made the new amendment that said:

Never mind, we're getting rid of that one. So there is precedent

for removing amendments.

Touche. I guess it's a lot easier to look back in hindsight

and see what the right decision was. In the moment, though, we

still need to make sure we're making the best decision we can.

I feel like, unfortunately, a lot of people are swayed more by

emotion than logic. They let their partisanship guide them more

than their facts do.

Sure, I think there's so much outrage toward the president, that

people won't even listen to what he's saying, they will just

automatically reject it.

True, and I think it goes the other way too. His followers then

just accept whatever he says with no question.

Speaking of the president, here's a question from our social media feed:

Yes. Like I said earlier: a house divided cannot stand. We voted

for him, he's our president. That doesn't meant I agree with

everything - most of what he tweets is ridiculous. But he is still

our president. So I respect the position, I respect him in that position.

I think respect is very important, but like we pointed out earlier,

part of your patriotic duty is to call out detractors when you

see them. I think this goes all the way to the top of the chain.

So what does that mean? Every four to eight years there's a new

traitor in the white house?

No, not every time you disagree with someone - just because you

disagree with someone, doesn't mean the other person's a traitor.

But you dismissed his "ridiculous tweets" earlier, the problem is

if that makes us look like a laughing stock to the rest of the

world, then he *is* a detractor to our country.

Right. OR he's putting a strong foot down and negotiating us back

to success after previous presidents have weakened us.

Here's where it becomes dangerous. Our president questioned the

patriotism of football players who are kneeling. He wielded

patriotism in order to silence their protest.

But they were disrespecting the flag, which is disrespecting the

country. If they hate the country that much and they're that

unpatriotic, why would I watch their show?

But that's exactly my point, he's weaponized your feelings so you

feel like they are attacking you personally. He's created this

thing where we're no longer discussing the protest, but now we're

discussing whether or not this is offensive to me.

People are more likely to know about this controversy, than they are about the actual protest.

Maybe you're okay with the anthem protest, but I'm not.

Look, they're not protesting the anthem itself, they're pro-

This is not the topic, and we're definitely not going to agree on this!

Not likely!

The issue is manipulating people to agree with you by saying: The

thing I think, that's the patriotic choice!" It gets people to you

arbitrarily. It's like when he says the media - if he doesn't like

something, he calls it the enemy of the people. That way you feel

it's patriotic to also hate the media.

Fake news media.

Exactly, he's trying to take your patriotism and use that as a

reason for you to ignore stories he doesn't like.

Well, I'm not gonna apologize for being loyal to my country.

No, and you shouldn't. But free speech is patriotic. The first

amendment gives us the right to free speech - which is the right

to protest, and gives the right to have a press. These are not

things we should be attacking.

The president also has free speech, right? So he gave his opinion

and now you're attacking him for it.

I'm not attacking his free speech. I'm just pointing out that he's

manipulating people. He is using patriotism to serve his own ego.

Well, speaking of egos, obviously, America, we're number one!

Right? Patrick mentioned this plus his "America First"

movement. So let's talk more about that.

Sure, but I don't think it's "having an ego" to be proud to live

in the best country in the world. I mean, it's patriotic

to have pride in your country!

Look, it's great to love your country, but this idea that we're

number one, that we're superior to everyone else, is just false.

We're number 37th when it comes to healthcare, we're 17th in

education, and 27th when it comes to environmental concerns.

When it comes to taking care of our people and our planet,

we're far from number one.

Yeah, but your thing sounds a lot less patriotic.

See, right there, using patriotism to silence me.

I look at patriotism like this: you're at your kid's sports game

and you're watching them play, right? You yell out "You're the

best!" He's not the best, not at all. But you love your child,

you want to encourage your child, so you say that. You don't wanna

yell out "Try to be better!" That's not cool.

Well certainly don't insult them. Yeah, you want to encourage your

child, but you also need to point out their flaws so they can

improve and work on it and get better. You're not gonna improve

by thinking "I'm already the best".

And now for one last social media comment:

Look, if your leadership is failing you, stand up. Make changes.

If you don't feel you're being represented, vote for new people,

or run yourself if you're really passionate about it. We need

people who are willing to stand up and make changes. Not people

who are gonna run away.

Well, keep in mind, these leaders are voted in. So if you didn't

get the person you want, you're in the minority. You're kind of

alone in your opinion.

That assumes everyone is actually voting. When half the population

doesn't even vote, then we really don't know what the majority wants.

Well, sure we do. They decided their voice doesn't matter. So when

they don't get their way, we should continue to treat them like

their voice doesn't matter. It's very patriotic to vote. It's not

patriotic to not vote and then complain about it.

Well now that we've beaten each other, red, white and blue,

let's have our final thoughts.

It's great to have pride in your country, just make sure that

doesn't turn into xenophobia or nationalism. Patriotism doesn't

mean you do everything that everyone in your country says. But you

do have to stand up for it, and call out corruption when you see

it. That's patriotism.

And some times the people you have to stand against are the ones

within your own country. Some people's vision for our country is

not patriotic. It's not what we really stand for.

Well, as we say around here, you don't have to agree, you just

have to see their point. So Patrick, what is George's point?

As we said through the whole thing, we don't really disagree on

what patriotism is, just when it applies. George is mostly

concerned about the melting pot, the citizens. He wants to make 205 00:10:09,500 --> 00:10:14,000 sure they're taken care of. He's also concerned that some other

agendas can be disguised as patriotism.

And George? What about Patrick?

Patrick believes in America first, especially when it comes to the

constitution. He believes that we need to take care of ourselves

above all others. He doesn't see that as discrimination, but as

being a patriotic American.

Well, I hope you enjoyed another Moderate Divide. If you did,

let me know what you liked in the comments. And if you didn't,

let me know what you liked in the comments.

For more infomation >> Patriots: When Patriotism Is Weaponized - Duration: 10:45.

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Is Lending About To Get Easier For Investors? - Duration: 8:22.

In the last couple of years, opera has made some changes to lending guidelines that has

made it harder for some investors in order to borrow money to purchase investment properties.

And so today I want us to talk with Ben Everingham from pumped on property about the current

lending climate and weather or not lendings likely to get tied tighter or if lendings

likely to get easier.

Can I imagine how you doing?

Yeah, really good.

Thanks for coming on.

You were saying that you know, you've been talking to mortgage brokers and other people

in the industry about the current lending climate and how it may actually be softening,

not getting tied off.

So do you want to kind of expand on that, give the good people out there some insight

into what you've been hearing or working with?

Yeah, so this isn't the stuff that you're going to stay on the front page of the Financial

Review or daily Tele at the moment, but from what I'm saying, inside the industry and from

talking to my broker Aaron, he owns six of the mortgage choice franchises and has been

in the industry for a long, long time now, is that as of about November last year, just

ever so slightly.

Some of that pressure that was being applied to particularly invest the lending, which

was the one that app are really came in heavy on, has started to be softened up.

So it looks like all of the major banks in Australia have now got the investor lending

to an acceptable point and now they're starting to, you know, not have that speed bump or

that handicap around investors that they had last year.

And that means a few different things.

One, money should start flowing to investors over the next six to nine months a bit easier.

Um, and then there might be more money on the table for investor lending again, so that

investors can start thinking about investing in the right markets again.

Yeah.

So in the past, investor lending was upper, made it harder and the banks made it harder

for investors with multiple properties in order to get loans.

I remember we did a video would've been probably a couple of years ago now, one to two years

ago talking about how they were assessing loans, not based on the current interest rate

a person was paying, but based on a higher interest rate, I think it was seven percent

or around that at the time.

Is that still happening?

Yeah.

So as of now, as far as I'm aware, they're still looking at people with a seven percent,

um, principal and interest loan.

They're still looking at people's discretionary income, but they're probably looking at that

with a little bit more of a fine tooth comb.

Say what it sounds like they have found in the role banking commission is that banks

weren't necessarily you a really bad position financially on their books or though they're

never going to disclose it if they were in a, in an over leveraged position.

But it was a process issue in the system where, you know, average Joe who comes into the industry

and starts being a mortgage broker is rotting out, you know, this or that, or fudging this

or that saying that the expenses in someone's life are actually lower than what they're

putting on the application and therefore doctoring up the loan a little bit to get it over the

line where, you know, now it's kind of a little bit more responsible and the banks have been

doing this for the last 18 months, you know, everything that comes out in the royal commission

has already been implemented by the banks a year ago.

Um, the public's just hearing about it for the first time, if you know what I mean.

Yep.

So what sort of changes are happening?

Do we know exactly what's happening?

Do we have any details about how lending is softening?

Or is it just kind of general sentiment is we feel like we're heading that way.

I don't have hard data as, again, this is like an industry inside sorta thing.

Like you can just, you starting to feel it.

Clients that couldn't get loans a year ago and now starting to look better granny flats

for example, that were being valued at fifty cents in the dollar and are being valued at

eighty five cents, ninety cents in the dollar, even 100 percent brand new properties that

have been devalued down by $50,000 and now being valued in a more acceptable way in line

with true market values, at least up in here in Queensland is where I'm experiencing that

and like I said, the big one is there was a cap that the banks couldn't learn more than

30 percent to investors or 30 percent of their book to investors that has now been lifted,

which means facing go hard at that investment market hard at that first time market harder.

That owner occupied market and it means there's more scope to take that 30 percent of business

there.

Are they missing?

So what do we suggest for investors given these kinds of changes that may be happening?

Like what action steps should people be taking?

I would assume that if you've looked in the past, maybe one year, two years ago, and we're

struggling to borrow money from the bank now, maybe a good time to go back to your mortgage

broker and to reassess the situation and whether or not you can borrow any money.

Is that what we're suggesting or is that what we think?

I think that's exactly what we're suggesting.

You know, it's good practice every six to 12 months to review your position and just

as an exercise, see if you can borrow money or not.

Um, and I think particularly over the next six to 12 months, we're going to say a lot

more people that couldn't get loans over the last two years come back into the market either

because they have saved more money, they have increased their incomes, they have reduced

their debts or their property values have gone up.

Combined with, you know, lending in the last couple of years has been really hard.

Um, you know, now we're sort of moving back to not business as usual, but you know, more

responsible lending where it's still enables the Australian population to keep moving forward

with their dreams and goals of home ownership and investment ownership.

Yeah.

So I think if you're listening to this today, this is just a quick little reminder for something

that you should probably be doing anyway.

Most investors should be reviewing their portfolio every year and as well reviewing what they

can borrow each year as well, but given what the lending climate has been, you might have

been priced out and not being able to borrow money and you just thought that nothing has

changed.

And so there's no point going back to your mortgage broker.

Use this little video, use this episode as a reminder to, okay, let's check in with the

current lending climate.

Let's check in with my current position and where I'm at now as well as let's do that

again in six or 12 months time where some more of these changes may have come in as

well.

So don't just sit on the sidelines and just assume that you can't borrow over the next

six, 12, 24 months, be going out there and actually saying what can I actually borrow?

And then making investment decisions based on real data rather than just what you think

is a hod lending climate.

Yeah, and once we get through these 12 to 24 month period, if you are one of those people

thinking about doing something in the next couple of years, cool.

If you're not, then as always, continue to save some money.

Continue to reduce the fixed costs in your life, continue to pay off debt.

If you can continue to increase your income or increase the rent coming from properties

that you owned to date and get yourself in the best possible position so that you know

if it is 12 or 24 months from now, when you do feel comfortable, you can actually hit

the ground running and take advantage of what I think is going to be a really interesting

second half of the cycle.

Not so much in Sydney and Melbourne, but in the other markets in Australia.

Yeah,

and so hope that this has been helpful to you guys as we said, no real hard data today.

If opera come out with some major changes, then we might review those in the future,

but just want to keep our finger on the pulse of the lending climate.

Also keep you guys up to date as well.

So we hope this has been useful if you guys are looking to invest this year but needs

some help setting a strategy than Ben in the team over here pumped on property a offering

free strategy sessions to you guys so you can book a time, get on the phone with them,

talk about where you're at, what you want to do, and they can help you work out a way

to get there.

So go to on property.com dot EU ford slash session to check that out and book a time

over there.

Um, otherwise, until next time, stay positive.

For more infomation >> Is Lending About To Get Easier For Investors? - Duration: 8:22.

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LAST 8 What time is FA Cup draw on TONIGHT? Quarter final TV channel, live stream, and ball numbers - Duration: 2:03.

THE FA Cup quarter-final draw takes place tonight.  Seven of the eight qualifiers have been decided while Chelsea face Man United for the final 6th round spot in the draw

When is the FA Cup quarter-final draw?  The FA Cup quarter-final draw will take place on Monday, February 18

 It will be held at around 9.45-10pm, following Chelsea's match against Manchester United, which kicks off at 7

30pm and could go to extra time and penalties.  Former Red Devils midfielder Darren Fletcher and ex-Blues and Man City defender Wayne Bridge will conduct the draw

What TV channel is it on and can I live stream it?  The quarter-final draw will be shown live on BBC One, following the Chelsea vs Manchester United clash

 The free-to-air channel can be live streamed via TVPlayer or on BBC iPlayer. What are the ball numbers for the draw? Wolverhampton Wanderers Millwall Crystal Palace Manchester City Chelsea or Manchester United Swansea City vs Brentford  Watford Brighton & Hove Albion

For more infomation >> LAST 8 What time is FA Cup draw on TONIGHT? Quarter final TV channel, live stream, and ball numbers - Duration: 2:03.

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Maurizio Sarri is doing a GOOD job! Joe Cole backs Chelsea manager before Man Utd clash - Duration: 3:16.

 Chelsea take on Manchester United in the FA Cup fifth round tonight in a game that could prove incredibly important for both sides

 The two teams met in the final of the competition last season, a game Chelsea won 1-0 thanks to an Eden Hazard penalty

 Chelsea have been a far cry from their usual best this season, and have shipped 10 goals in their last two losses in the Premier League

 Manager Maurizio Sarri has failed to imprint his attacking style on the team and the players look disinterested as they languish outside the Champions League spots

 And Joe Cole, who won the Premier League with Chelsea two times, believes that Sarri's season could be over in the next couple of weeks

 "When you get that many great players in one dressing room it's hard to manage. But Sarri is doing a good job," he told Goal

 "After this run of three away games, which was very difficult for us, there was a settling-in period against Malmo

 "The Man Utd game, the cup final, this next two weeks is going to be defining in Chelsea's season

That's clear. "It always comes to a head. Every season comes to a head where you get a week or two and it's a crucial week

 "It's important that the players recognise it and I think they do. If they get four or five great results over the next month, the season could be a real positive one for the club

 "I think time will tell on how successful Sarri will be." Cole, who also played for Liverpool and West Ham in the Premier League, admits he has some admiration for former Napoli boss Sarri, however

 Although Sarri's philosophy doesn't seem to have embedded itself in the DNA of the team just yet, the Blues showed early signs of it at the start of the season

 "One thing you have to admire is he's committed to his style and his philosophy and he wants the club to adhere to that," Cole added

 "You have to admire that so much. Against Malmo they were excellent in trying to do what the manager wanted

" Chelsea come up against Manchester City this Sunday in the Carabao Cup final. If they lose tonight, as well as against United's rivals City this weekend, Sarri's men will have been knocked out of two competitions in a matter of days

For more infomation >> Maurizio Sarri is doing a GOOD job! Joe Cole backs Chelsea manager before Man Utd clash - Duration: 3:16.

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Only YOU can make yourself happy & successful - how & when is up to the universe. Monday Motivation! - Duration: 1:13.

Happy happy Monday to everyone we are headed over to the office. Saray and I are getting

getting over there right now and just wanted to remind you that today only you

can make yourself happy you're worth your happiness and you are the strongest

resource that you know and the last thing is that you have more resources

than you think you'd have so make sure you love yourself let yourself grow win

dream and know that you are everything that you need so that you could

accomplish whatever goal it is you have in life I wish you the very best Monday

I wish you a safe and warm and productive Monday full of happiness and

that may things go smoothly throughout the day and if they don't fuck it love

yourself and tell yourself that you're great and that soon this too shall be

over so Monday not the best day in the world of the week but it's a pretty good

day when you start out with a great attitude have a great day

For more infomation >> Only YOU can make yourself happy & successful - how & when is up to the universe. Monday Motivation! - Duration: 1:13.

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Your Network is your Net Worth - Duration: 2:33.

Hey it's Gary!

Coming to you from the cockpit with some cockpit conversation hoping you are having an awesome

day today.

Today I want to focus on your net worth is your network.

So do you network with a lot of the right people and it's so important to your success

and before I get into that I wanna make sure that you are a part of my millionaire mastermind.

If you go to my website garycoxe.com/millionaire-mastermind, we'll put the link or maybe put the description

right here and right now I'm offering a special for $7 a month for two months, $7 per month.

It will go a little bit more after that but you'll meet other millionaires, you'll meet

celebrities and I'll bring people in for Q&A and the reason this is so important to your

success.

See when you we're younger and as you get older, you hung around older people.

So when you're 20 years old, you don't hang around seven years old people right? or kids.

The reason being is you grow and stretch but here's what happen.

When we get older as adults, if we're not careful, we will limit our ability to succeed

and grow based on the people that we hang around with because that is so much of our

influence.

Wouldn't you agree?

So I want you to be thinking about some of the friends that you have, they influence

you the way you want them to, are they sucking you from your dreams and joys or are they

your cheerleaders and supporting you.

I remember when I made some major changes in my life, I actually wrote down a list of

friends that I needed to let go because I know they are not what I want in my life.

They did not take me to that next level.

I need people who support me, I need people when things go bad, they don't say things

like, Gary why do you put yourself through this.

I want people to say Gary tighten up, keep going, bounce through this.

This is part of the game.

And then on the other hand when I'm doing really well, I want people to say, hey great

job, man, can you do better?

You know as opposed to being, you know jealous or thinking that I'm bragging.

So I want you to think about that.

Your net worth is your network, put them together so you make sure your networking with the

right people.

I'd love to have you network with me on my mastermind event.

Again the link would be right here or somewhere around by this video.

Looking forward in seeing you there make sure you figure out who the right networking should

be with.

Im outta here between now and next time we get to chat, you know what to do.

Don't let anything or anyone rent space in your head.

Have an awesome day!

For more infomation >> Your Network is your Net Worth - Duration: 2:33.

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The Story Behind: Everyone is Welcome Around the Tree - Duration: 3:11.

When I was about 10 years old

This was on the agency campus in fact. It was by the old hospital, and they had people

Young kids lined up we were gonna get something

So ok all Union boys on one side are Union girls on one side line up. We're gonna

I forget what the hell we were gonna get but we had to line up and get this thing and these old ladies

traditional ladies that were dressed in shawls and

high-top moccasins and the whole bit because people dress that way back then

some of these mean old ladies came and jerked me out of line and

They said you can't get that and they looked up at them, and I said why?

He said because you're a true show you don't belong here

Well news to me

You know so I guess

You know what they were saying is that okay? If you were a mixed blood person well, then you were less than these other

Full-blood boys that were in line

You know and you don't belong here

Okay, yeah, my family did come down here. We were Indians and we came down here in 1911 during the land allotment but

You know, but that was the first

real

Prejudice that I ever experienced in my life, and that was amongst my own people

Now how is that?

You know that's why in everything that I do including the Neriah

Everybody's welcome

You know because of that instance when there was 10 years old and

was prejudice expressed by my own Indian people I

was something to wrap your mind around and

The second one was when I was in high school, and it wasn't really something that I didn't realize until I thought about it later

was in a chemistry class

The teacher

Expressed some kind of thing that I was going to steal some kind of thing or the other you know and I wasn't gonna steal

It you know or anything so I threw it back at him. He did that because I was Indian you know

So damned if you do and damned if you don't you know once a one people saying okay, you're Indian

You know you're a thief you're doing all this good. You know

But then the coarser I'm honest the Indian people having disowned this other type of thing this other type of prejudice

You know because you were mixed, but person

You know and so that's the first real prejudice. I had just when I was a kid right here in the reservation

You know that's interesting isn't it I?

Never thought about that

For more infomation >> The Story Behind: Everyone is Welcome Around the Tree - Duration: 3:11.

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FAQ - What is sleep apnea? | Dr Mark Givan, DDS | Your Fort Worth Cosmetic Dentist - Duration: 0:45.

Mark Givan: Sleep apnea is a condition where the airway is blocked while people sleep.

It causes oxygen deprivation.

It can to lead to any number of medical complications.

Probably the most common thing that makes people inquire about sleep apnea is somebody

tells them they snore.

A couple different ways to treat sleep apnea, one of them is surgery which can be very invasive,

sometimes painful.

And the other way is a CPAP machine, which nobody likes being strapped to a mask while

they sleep.

The easiest way is to consider being fitted for a dental appliance that can help open

the airway.

For more infomation >> FAQ - What is sleep apnea? | Dr Mark Givan, DDS | Your Fort Worth Cosmetic Dentist - Duration: 0:45.

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TIME TO GROW UP When is Growing Up Gifted season 2 on BBC2 and what is it about? - Latest News - Duration: 2:26.

BBC Two is getting ready to air the second installment of Growing Up Gifted.  Here's everything you need to know about the docuseries including when it's on and what it's about

When is Growing Up Gifted season 2 on BBC2?  Growing Up Gifted will star on BBC Two TONIGHT (Monday, February 18, 2019) at 9 pm

 It will see three Gifted boys face personal struggles as they work out where their paths may lie

 The Year 10 boys are seen feeling tense over the approaching final GCSE exams.  We get to catch up on aspiring doctor Liam, Londoner Jamarley, and Kian from Hartlepool

 The two-parter will conclude with an episode on Gifted girls next Monday (February 25, 2019)

 Both parts will last for a whole hour.  The installments will be made available on BBC iPlayer shortly after its broadcast for those that miss the episodes

 The first series of the long term social mobility documentary aired last year.  The second series will be revisiting the youngsters and update us on the resilient children's lives

What is it about?  The docuseries looks into the lives of bright teens from disadvantaged backgrounds

 Desperate for a way out of poverty and a step towards their big dreams, the show exposes the hurtles they come across

 The programme reveals how the basic things most take for granted can make a huge difference in poor families' lives

 From students who can study int heir bedrooms due to water leaks to the difficulties of growing up without a father, the audience is taken through a rollercoaster of emotions

For more infomation >> TIME TO GROW UP When is Growing Up Gifted season 2 on BBC2 and what is it about? - Latest News - Duration: 2:26.

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Dance Ministry ~ "King Jesus Is A-Listening ('When You Pray')" - Duration: 3:53.

♪ ♪ Music ♪ ♪

King Jesus is a-listening when you pray . . .

King Jesus is a-listening when you pray . . .

(He's) Waiting to hear you . . .

Comfort and cheer you . . .

King Jesus is a-listening when you pray . . .

King Jesus is a-listening when you pray . . .

King Jesus is a-listening when you pray . . .

(He's) Waiting to hear you . . .

Comfort and cheer you . . .

King Jesus is a-listening when you pray . . . (When you pray)

If I hold my peace, My Jesus will be coming for me one day . . .

King Jesus is a-listening when you pray . . .

He's got Power in His Hands, and He's taking me away . . .

King Jesus is a-listening when you pray . . .

If I hold my peace My Jesus will be coming for me one day . . .

King Jesus is a-listening when you pray . . .

He's got Power in His Hands, and He's taking me away . . .

King Jesus is a-listening when you pray . . .

Oh, oh, oh, oh . . .

King Jesus is a-listening . . .

Oh, oh, oh, oh . . .

Listening when you pray . . .

He's got Power in His Hands, and He's taking me away . . .

King Jesus is a-listening when you pray . . .

Oh, oh, oh, oh . . .

King Jesus is a-listening . . .

Oh, oh, oh, oh . . .

Listening when you pray . . .

He's got Power in His Hands and He's taking me away . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening, listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening, listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening, listening, listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening, listening, listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

My Jesus is a-listening . . .

My Jesus is a-listening . . .

Sweet Jesus is a-listening . . .

Sweet Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

King Jesus is a-listening . . .

. . . you . . .

. . . pray . . .

For more infomation >> Dance Ministry ~ "King Jesus Is A-Listening ('When You Pray')" - Duration: 3:53.

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KT : Um, Hi, Lil Xan Is Expecting His First Child 5 Months After Splitting with Noah Cyrus - Duration: 3:50.

For more infomation >> KT : Um, Hi, Lil Xan Is Expecting His First Child 5 Months After Splitting with Noah Cyrus - Duration: 3:50.

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Star Lady Gaga is reborn in Oscar-nominated role - Duration: 1:49.

For more infomation >> Star Lady Gaga is reborn in Oscar-nominated role - Duration: 1:49.

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Episode 7 - This Is Water - Duration: 3:47.

For more infomation >> Episode 7 - This Is Water - Duration: 3:47.

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What is Python? Programming made easy - Duration: 2:19.

Often in IT you're forced to write a program to get things done sometimes

it's a small one occasionally it's a large one and if you're a developer and

IT you're writing programs routinely for a range of projects writing programs

takes a lot of work for many languages it takes a lot of code and a lot of time

to write code do even simple things what would help Python programming language

it was created to provide an easy way to do common things instead of forcing you

to reinvent the wheel first Python is easy to understand code means developers

can focus more on what they're trying to accomplish

second python support for a wide library of plugins both let it support many

kinds of projects and execute them fast Python helps you by being both easy to

read and easy to write the code itself is English like so it isn't hard to see

at a glance what it does libraries provided with the Python language as

well as third-party libraries available separately make it easier to do many

high-level jobs IT professionals have to deal with on a daily basis the kinds of

manual tasks that Python can make easier include managing virtual machines and

containers making api's for web services and modifying network settings because

of its ease of use python is becoming a preferred language for simplifying many

other kinds of complicated jobs like scientific and statistical work or

creating machine learning applications writing programs in Python is fast and

that saves you developer time but how fast a program runs can also matter the

truth is that the same programs in other languages like C C++ and Java do

typically run faster than Python but Python can also run programs fast when

it needs to the secret is to use the mini third-party libraries for Python

that are written in faster languages like C all Python has to do is plug into

such a library then it can run at or close to the speed of those languages

where performance matters mastering new things nit is always tricky whether its

containerization DevOps or extracting a little meaning from a lot of data

thanks to easy to understand code and to its extensive library of support python

is designed to give you a leg up on getting all of those things done

both now and into the future

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