Waching daily Apr 27 2017

Look, if you really think this is a tale of how fucking unlucky I am

of how I don't have friends

of how invisible I am at school

of how I only embarrass myself

You can bet...

you're very much mistaken.

It's much worse.

Holiday camp?

What the hell is this place?

look on the bright side

You will meet new friends.

Friends? Changkyun has no ability to make new friends.

His life will turn upside down

And what's your name?

Changkyun, who are they?

FiveD (FiveGods)

The school idiots nicknamed them that.

They are the kings.

Everyone in school, I repeat, everyone, kill to be his friends.

Except me.

WHAT'S YOUR PROBLEM, MAN?

I'm already full of Kihyun take advantage of his position and treat me like crap.

You argued with the school's president in front of everyone.

We will not let pass that.

You're the first person to hit back his pranks.

The only thing I know is that I have a gun in my hand.

I just have to decide how to handle it

And when I decide ...

You know it will not end well, right?

I take the risk.

That's it

The life

hates me

For more infomation >> Pois é, A Vida Me Odeia — Monsta X fanfic trailer - Duration: 2:04.

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Career Advice To My Younger Self by Vero Ruiz Del Vizo (Spanish Audio) | Hello Fears - Duration: 1:15.

Dear younger self,

DO NOT worry if you still don't know what you want do or be in the future.

Don't be afraid of telling your parents that you want to be an actress or a journalist.

You don't really have to decide that at this moment.

Instead of worrying about the future, tell them that you want to learn new things in your present.

At this moment you have a wonderful resource:

TIME.

Invest in learning things that you really love or you're curios about.

I am thankful and proud of you. Believe me,

your work will have more impact that you can ever imagine.

Be patient, be curious.

And younger self, you are part of a new era,

not even your parents know what type of careers are going to exist in the future.

Last and most important advice,

be a dreamer,

but also a doer.

This is going to mark the difference between you and others.

Love, your future self, Vero.

For more infomation >> Career Advice To My Younger Self by Vero Ruiz Del Vizo (Spanish Audio) | Hello Fears - Duration: 1:15.

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[IZZY AND OZZY] FIRST TIME FLYING SOLO - Duration: 6:11.

Okay, it's day 11.

Hear that waterfall, so pretty.

Day 11, uh first day, first hike without David.

A little bitter sweet.

It's really different, but it's all good.

Oh, gonna have to pay attention to this part.

But I have this huge 6 mile climb up this hill and it is 9:43, so I'm a little toasty.

Here, Cho mountain, it's really beautiful.

Look pretty!

This is Spills, and Dani and next is Scout.

Alright it is Day 12.

Goal is to get to Fontana Dam today.

I have about 9 more miles left.

I had a start with Jacob's ladder this morning which was straight vertical.

It was very very incredibly hard.

Um... that's pretty much what I've got going for me today.

So far it has been a beautiful morning.

It's supposed to rain/shower on and off.

So hopefully the rain stays away and I can get to the shelter before any sort of rain

happens.

But it's so far, weather's pretty nice, so I'm not gonna worry about it.

And I'm gonna stop here in a little bit and take a little break and eat the staples of

my trip which is Cliff bars and the Cliff box which I absolutely love.

So Day 12.

Here we are.

*giggles* Check this out, in Fontana.

How beautiful is that?

So pretty.

Alright, it is Day 13.

Just left the Fontana "Hilton" it was awesome

uh definitely took my time because this morning because

it was such a pretty sunrise and now I'm walking over the Fontana Dam.

Absolutely gorgeous morning, it's gonna get pretty hot, I can already tell.

Um.. but, yeah look.

Pretty cool right?

*giggles* Alrighty, Day 13, here we go.

Alright Day 14, officially two weeks out on the trail.

In the Smokies.

Might be doing a big day today if everything holds up well.

Uh, might actually make it to Clingman's dome if my knee and feet hold up.

And if not I'll probably be doing a 16 mile day at the minimum.

Here we go, Day 14.

Let's do it.

Alright, it is Day 15.

Got into shelter last night, that's about, close to 3 miles from Clingman's dome.

So today is about 3 miles of uphill to get to that, which is the highest point on the

AT, so it's pretty big news.

It's gonna be quite the trek.

Um, look at the trees.

So right before I got into shelter last night, they just change and it's so green.

*birds chirp* Hear the birds chirping?

I wake up to that every morning, it's awesome.

Alright so Day 15, gonna be to the highest point on the AT and then I'm gonna go into

Gatlinburg.

And get me a big ole burger and fries, and beer.

So I can't wait, hopefully I can get a hotel with quite a few people so it can be a cheap

one.

Hopefully I can get some new shoes, so Day 15, here we are.

Here it is, Clingman's zone.

Finally here at Clingsman's Dome. It's really foggy.

Still cool!!!

Highest point in Appalachian Trail - so exciting!

Today is number 15!

Finally here!!!

For more infomation >> [IZZY AND OZZY] FIRST TIME FLYING SOLO - Duration: 6:11.

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848 - Les Feldick Bible Study - Lesson 2 Part 4 Book 71 - Showing a break in OT prophecy timeline 4 - Duration: 28:06.

For more infomation >> 848 - Les Feldick Bible Study - Lesson 2 Part 4 Book 71 - Showing a break in OT prophecy timeline 4 - Duration: 28:06.

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Cut Crease, Winged liner & Pink Lip - Makeup Tutorial - Duration: 11:39.

Hi Guys, and welcome to Blondie and the boys!

Today's makeup tutorial is going to be something dramatic, with full lashes and a cut crease

and shiny lips; something great for a night out on the town.

So let's get to it.

Instead of starting with foundation like I normally do, I'm actually going to start

with my eye shadow.

That way we can get a nice, clean cut crease and also any fall out that happens we can

get rid of that so we can kinda play without having to worry to much today.

So I'm actually going to start with concealer.

It's going to be l'Oreal True Match in the colour ivory and I'm going to just put

that all over as a base, so we get a nice surface to work with and put our shadows on.

So I'm just going to cover it up.

Actually i'm just going to put my hair back and get it out of the way.

And I'm going to go under my eyes as well.

Then I'm going to go in with a translucent powder, any one will do, and just set this.

Because of course we want, it's quite tacky right now.

And we just want to, you know have the…I keep saying "we", I keep talking about

myself in the third person.

That's just weird!

Anyways, I don't want my foundation or…argh!

Because I don't want my shadows to be all not blending properly.

I want them to be nice and smooth, not clumpy or weird.

And then I'm going to go and take my, oh here we go, going to take my Two Faced Semi-Sweet

Chocolate Bar palette.

We are going to be using this mostly today.

And I'll start by just putting a base using the coconut cream just to go over.

I know we set with the translucent powder but this give a nice base to start with.

And then I'm going to going in with a nice fluffy blender brush, argh…blender brush!

And I'm going to use, I'm going to start with the mousse, ahhh!

I'm going to start with…where is he? this one, the mousse.

We'll use that as a nice sort of light/medium brown just as a transition colour.

It's nice not having to worry about any makeup getting, eyeshadow getting on your

face.

And then with my Urban Decay After Dark palette, I'm going to go in with the colour Super

Sonic, never tried it before.

Should be exciting.

And I'm going to take my blender brush and see what happens.

I'll just go in there, it's quite pinky, it's pretty though.

I'm always a bit afraid of the reds because I have such pinky skin.

I kinda don't always want to draw attention to that.

Then I'm going to go back into my Urban Decay palette and get Off Duty and take a

smaller blender brush and just get in the crease.

Tapping off the excess.

Just really sticking in the crease part, just blending out but not going all the way over.

Just so we have a graduation of colours going up.

Then back to my Two Faced palette and going to go in with Hot Fudge and just take my pencil

brush and really tap off the excess again with this one.

Go and let's see, I'm kinda.

Hope you can see what I'm doing.

Just sort of on the edges or corners here.

Kinda closing off that area.

And connecting the lower lid, starting to pull that out a bit.

I'm wanting to pull this out more so I'm going to go in with a little fluffy brush

again into the hot fudge, tapping off the excess, kinda getting more in the crease here.

Just gong to blend it out and see if I like that.

Actually, I'm just going to bring it out a little more here.

Okay, I think I'm actually going to go back in with, what am I going to use, actually

again with the Super Sonic.

I'm going to try that again.

Cuz it's sort of not popping as much.

There we go.

That's better!

See that?

Just a little more colour.

I lost that vibrance a little bit.

And back again with my pencil brush, I'm just going to go into the Two Faced palette

again and take…oh, what am I going to take?

The Puddin'.

It's sort of, oh I guess I haven't shown you this colour.

It's this one right here.

Just a sort of medium dark brown.

And I'm going to go about sort of three quarters of the way in under my eyes, not

completely closing them off.

Oh good, I just like getting black on my nose, cuz that's fun!

Right, then I'm going to go and take the hot fudge colour, it's just a little darker

and just put a tiny bit right there.

And again on this side too.

Then you're going to take a q-tip and just stick it in your oil-free makeup remover and

just get off the excess.

You don't want it too wet.

And we are just going to do a cut crease here like so.

And on the other side too.

Hopefully to match.

And then I'm going to grab a cotton pad and just put a little bit of the oil-free

makeup remover and get rid of everything under here.

And then I'm actually going to do something a little different.

I have got to get some more cream eyeshadows, but I'm going to actually use my Mica Beauty

Cosmetics eye primer.

This might be a little strange but watch, it'll work I hope.

I'm going to go in on my eye lid and just paint this on here.

Just on the lid and it's going to act just like a cream eyeshadow.

And then I'm going to set it with the Butter Pecan , it's this one right here.

And with a flat brush, just dab it in there and tap off the excess and there we go.

Just covering the primer.

Then I'm going to take a cake eyeliner by MAC, I've used it quite a bit.

Taking an angle brush and add the water and see if I can resurrect this a bit, it's

a little dry.

And hopefully not screw this up!

Oops sorry.

ARRRGH!

Because I'm not twenty or thirty, ok I'm in my thirties, but my eyes are a little wrinkly.

So ya, that silly liner like so to do…there's like this little wrinkle right there and it's

like ahhh always screws up my liner.

Ah, to match it!

We'll do lashes last so next we're going to do our primer.

I'll use the NYX Photo Primer, Photo Loving Primer rather.

And let's get some foundation on.

And I'm going to go in with my concealer and redo it, redo under my eyes.

Blender.

Then I'm going to go in with my Mica Beauty Cosmetics Mineral Foundation Powder.

And then with my NYX palette I'm going to go and do some highlighting with this one

right her and what is it called?

It's called Ice Queen.

And with a highlighter brush.

Actually, you know what I'm going to bronze my face, my face doesn't really match my

body at the moment.

Just go in there and pull out a bit of colour.

And then again for contouring I'm going to go in with my NYX palette and grab the

colour Toffee.

And do my cheek bones, just chisel them out.

A little jaw line and of course the forehead.

Just shrink that down a little bit.

So I just realized that my mic was off while I was doing my eyebrows so that's great,

so fun!

Cuz my battery died so I had to put it in so I turned off the mic to save the battery

for the mic and did not turn it back on, so.

Um, anyways, I did my eyebrows.

Hope you can see.

And now I'm doing mascara before we do our fake lashes.

So, I hope you're all caught up!

I'm going to do my lower lashes after.

And then I'm going to go and use, what am I using?

I'm using Ardell Whispy, Whispies!

K, these are cute, I like these Whispies!

And then I'm going to go and put a little mascara on the bottom.

And for lips I'm going to use Anastasia Beverly Hills the liquid lipstick in Crush.

It's a little bit darker then what I wanted so I'm actually going to take this Lancome

Juicy Tube, just a clear gloss and see what that's like.

So there you guys go it's the finished look.

It's a little more dramatic then what I normally wear, especially with this coloured

lip.

But hey, it's fun to try something new sometimes.

Anyways, hope to see you back here soon.

Blondieandtheboys.com, check us out on Instagram and thanks so much for watching!

So have a great day, love to all!

For more infomation >> Cut Crease, Winged liner & Pink Lip - Makeup Tutorial - Duration: 11:39.

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Bee Have You Seen Heti-- | Animatic - Duration: 0:20.

*Jem Trying To Get The Audio Working*

Jem: fRICK

Jem: mktherewego

Music: TALK DIRTY TO ME! *Instrumental*

*Crash*

Bee: 'TALK DIRTY TO MEH; NUHN NUH NUH NUH NA NANANAUHNUH'

Ocean: 'Bee Have You Seen Heti?--'

Ocean: '. . .'

Ocean: 'I'll Leave.'

Bee: 'Crap.'

For more infomation >> Bee Have You Seen Heti-- | Animatic - Duration: 0:20.

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Japanese Snack Challenge: Umeboshi - Duration: 1:35.

Hi everybody!

Welcome to the first of the series where

we will be eating...

...weird? I guess weird stuff from Japan.

And...

I've prepared coca-cola just in case!

This made from plums.

Well, of course, since it's called "pickled plums".

I can only recall one time when I ate it.

SOUR.

It's often found in Japan's riceballs, right?

(groan)

The scent is quite... strong.

I have eaten something similar before.

I'm scared.

It's kinda juicy.

It can grow on you.

I may just grow to like this.

Must be my age.

I think it has an interesting taste.

Can I go already?

Japan's standard onigiri is umeboshi flavour.

I think it's a bad decision.

For more infomation >> Japanese Snack Challenge: Umeboshi - Duration: 1:35.

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MODERN FAMILY, WEEKEND IN INDIANA, LOVE KIDS (русские субтитры) - Duration: 8:49.

For more infomation >> MODERN FAMILY, WEEKEND IN INDIANA, LOVE KIDS (русские субтитры) - Duration: 8:49.

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How to Try On A Swimsuit (and not feel totally depressed!) - Duration: 4:09.

Hey you guys!

It's Heather Creekmore from ComparedtoWho.me and today we're going to talk about how to

try on a swimsuit.

Yikes!

No one likes to do that, right?

Okay, maybe there are a few women out there that really enjoy the humiliation (is that

a fair word?) of going into a dressing room with lots of lights and way too many mirrors

and trying on a little piece of fabric.

But, I'm not one of them.

And, if you're not either, then I've got some encouragement for you.

Today, I'm going to give you three tips so that you can try on a swimsuit and you can

leave the store not like this but like this.

Okay?

Tip number one: Pick out an appropriate swimsuit.

I wrote a post on my blog about bikinis and it includes my view on modesty I hope you'll

read that post.

I'm not going to get into that today.

But, once you do pick an appropriate suit do step two.

Step Two:Do not look at the picture on the tag.

Now this sounds pretty knit-picky and a little weird, right?But, follow me, a lot of swimsuits

(at Target they don't have this) but, different stores will carry suits where the company

has included a picture of a model wearing the swimsuit you have chosen.

Do not look at this picture.

I repeat.

Do not look at this picture.

Why?

Because even if you are a model the swimsuit is not going to look the same on you as it

does on her.

So don't even put that picture in your head, ok?

Get it out of there.

Don't look at it.

Fight the temptation to look at the picture on the tag.

You might have to look at the price tag, I'm that kind of shopper.

Look at the price tag, but don't look at the other tag.

Then, once you have your swimsuit and you go into the dressing room, here's what I want

you to do.

I want you to undress without staring in all those mirrors.

Let's be honest.

Most of us get dressed without a mirror on all sides of us, right?

Or without flourescent lights and mirrors.

I mean that combination is lethal.

So, what I suggest is that you just focus on getting done what you need to get done.

Don't look in the mirror while you are getting undressed.

It gives you way too many opportunities to find things that you didn't notice before.

Those things are not important for you to notice today either.

Okay?

Focus on your mission which is: Finding a swimsuit.

Leaving the store with your head held high.

Don't look in the mirror while you are undressing, okay?

Step Three:Put on the swimsuit and you need to make sure that everything is tucked in

properly and nothing's hanging out but don't spend an hour critiquing yourself in the mirror.

Okay ladies?

It goes like this.You look in the mirror, you look up-down, up-down, turn, turn.

Does it fit?Yes or no.

Do you like it?

Yes or no.

Boom!

You choose your swimsuit.You may not look like a supermodel in a swimsuit.

I don't look like a supermodel in a swimsuit.

Not even close.

But, you know what?It's okay.

Because the truth is: God didn't give me the body of a supermodel because he didn't want

me to be a supermodel.

He had a different purpose for my life.

And, he has given me everything I need to accomplish that purpose.

It's the same for you!!!

If he didn't give you a supermodel's body and swimsuit season makes you stressed out,

just relax.

It's okay.

He loves you.

He loves you even if you wear a size that's in the double digits, if you wear a single

digit size . . .He doesn't care.

He won't love you any more or any less if that changes.

His love is not dependent on your size.

We can just praise God for that.

Your value is not tied to how you look in a swimsuit.

So, my encouragement for you today is pick one, don't look at the tag, and don't dwell

on the mirror.

Instead think about how to reflect your savior when wearing that swimsuit this summer.

Hope this has encouraged you.

Look for more on Comparedtowho.me

For more infomation >> How to Try On A Swimsuit (and not feel totally depressed!) - Duration: 4:09.

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My Life in Canada: Improvised Excursion - Duration: 6:18.

Today it was the only day when I could rest

Sleep...

Get up late...

But, NOOOO!

They are doing I don't know what to the house

So nobody can be in the house from 9 to 5

"What are you going to do?" I asked myself

and I had the great idea to come to a park that is 2 hours and 15 minutes from my house

This is sooo peaceful

Monday in the morning nobody is here

Rouge river,

lake Ontario

Lake Ontario,

Rouge river

Now I'm going to other section of the park,

that was the beach,

now I'm going to... I don't remember the name

I think all of this is the park

I came to a very calm...

to a very quiet... a hidden place

but seems like I'm not the first one

At least you could clean...

This is confusing, because it looks like

it was only for cars and not for people (pedestrians)

I think the way is private

It's closed, oh no, this was the entrance but it's private

I don't understand

I don't understand, this is so confusing!

I don't know guys, this is... so confusing

I don't know how many kilometers I walked

and I'm going to be lost all day if I keep trying

I think I'm going to do all the way back

I don't understand a f*cking thing

So, still don't get it, the park thing

See you soon, take care of yourselves, and subscribe if you haven't subscribed yet

for more Canada videos

Oh, Canada!

For more infomation >> My Life in Canada: Improvised Excursion - Duration: 6:18.

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8 Bad Foods That You Need to Eat - Duration: 6:02.

do you avoid peanut butter because you

think it's super fattening? have you banned

egg yolk because you are concerned about

your heart? health get the good truth

about these and more misunderstood foods

and why you should eat them? in

moderation, of course. Number 1, peanut

butter peanut butter is high in fat but

that doesn't mean it's fattening said

said peanut butter is a concentrated

source of calories so you don't want to

go overboard but you don't need to eat

tons to feel satisfied just a tablespoon

or two of peanut butter goes a long way

Plus peanut butter provides protein and

folate or B vitamin is important for the

healthy development of new cells number

two eggs people said that eggs contain

significant source of dietary

cholesterol egg yolks are off-limits for

those concerned about heart health but

that's not true

medical experts will emphasize that

saturated fats and trans fats are bigger

culprits in raising blood cholesterol

and dietary cholesterol is plus eggs are

super satisfying in one study people who

ate a scrambled egg and toast breakfast

felt more satisfied and ate less at

lunch then they did when they ate a

bagel that had the same number of

calories

number three beef people believe that

beef is full of saturated fat and

dietary cholesterol so people who care

about their hearts should avoid it lean

cuts of beef are a low fat source of

protein and iron a mineral essential for

getting oxygen from the lungs to cells

throughout the body and one many women

are deficient in there are many lean

cuts of steaks fill a mignon serve only

strip steak flank steak if you can't

remember their names

big steaks that are deep fried with a

relatively small amount of marbling a

fancy name for fat to finely cut number

four dark chocolate dark chocolate

contains flavanols and the oxidants that

seem to have a blood thinning effect

which can benefit cardiovascular health

and recently researchers in Switzerland

reported that eating dark chocolate

every day for two weeks reduced stress

hormones including cortisol in highly

stressed people but be sure to account

for the calories or you may be stressed

to see extra pounds creeping on

number five potatoes

why potatoes is bad potatoes rank high

on the glycemic index which measures how

quickly different foods raise your blood

sugar food for the high GI value tend to

cause a higher spike in blood sugar and

in insulin the hormone that helps

glucose get into cells which can be a

problem for some people particularly

those with diabetes but the good news

potatoes are a good source of fiber

potassium and vitamin C and unless

you're eating and absolutely plain

potato all by yourself it's GI value

doesn't matter a high GI potato becomes

0 GI meal if you simply add a little

olive oil because the added fat helps

slow the absorption of the potatoes

carbohydrates number 6 coffee coffee can

make you super jittery interfere with

your sleep and well it's just not good

for you but coffee is not that bad

studies show that compounds in coffee

including but not limited to caffeine

may reduce the risk of dementia diabetes

and liver cancer most benefits are

associated with drinking two to four

cups a day that said coffee can make

some people jittery and if this is true

for you you should cut back you should

also limit caffeine if you're pregnant

the American Congress of obstetrics and

gynecology Assizes no more than two cups

today while expecting or nursing

number seven not same like peanut butter

nuts are full of fats but they are good

heart healthy unsaturated kinds nuts and

peanuts which are technically legumes

also deliver other healthy nutrients

which ones depends on the nut for

example almonds provide vitamin E and

walnuts offer significant amounts of

omega-3 you do need to keep an eye on

serving size though at around 160 to 200

calories per ounce nuts to pack a

substantial amount of calories number 8

bread bread isn't bad eating too many

refined grains is and that's why the new

Dietary Guidelines for Americans

recommend making at least half of the

grains you consume whole grains

switching to 100% whole wheat bread or

other whole-grain breads is one way to

do that and good news research in the

archives of internal medicine found that

people who eat more whole grains may

live longer and that's all the foods

that people called it bad but it is not

really bad if you like our videos please

hit the like button and don't forget to

subscribe for more videos goodbye

you

For more infomation >> 8 Bad Foods That You Need to Eat - Duration: 6:02.

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Jay King LapisCoral Reversible "Hearts" 18" Necklace - Duration: 7:18.

For more infomation >> Jay King LapisCoral Reversible "Hearts" 18" Necklace - Duration: 7:18.

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How to use Electronics in India purchased from US | 220 volt to 110 volt converters explained - Duration: 2:44.

Hello Guys, Atul here.

Welcome to Techobia.

In today Video I will explain you the technology type use for 220v to 110v converters and which

type can be used for which type of appliance.

If you are watching this video means sometime in past, now or future you are looking to

use such device in India which you imported from US and It has working input voltage of

110V.

So question is what will happen If I will inject in 220V supply or some of you already

tried this.

If you are the one who tried it share your experience in comments what happened.

First there are many companies which are building devices with a supporting adapters to manage

110v to 240v like I am using one with my surface pro 4.

But there are many appliances which are not available with adapters like this like I have

one trimming machine which only support 110v and class 2 is also written on its adapter

so then I started search for some converter which will help then It would become mess

to me.

NOw I am using appropriate adapter and i am making this video might be this information

helps someone like me who is looking for such converters.

So in short and simple words, there are mainly two type of converters one is SMPS based and

another is transformer based.

SMPS based are for those devices which need direct current and has no battery connected to

it in mid of it like blenders, mixers and dryers.

Transformer based are for the devices which has chargeable battery inside the devices

like trimmers, some electronic brushes and music players.

Now come to the type of converters available in market, SMPS based are available with load

management upto 1600 watt whereas transformer based are available up to 100 watt where most

of our battery based devices need very less like 5 watt 20 watt.

Transformer based are very heavy in weight compare to SMPS based.

Some people think that if they have one SMPS converter that can also be used for these

devices like trimmers.

No, they are wrong at this point.

They need different converters depend on their device types.

Hope this video is helpful to you.

Give it a thumbs up if you like it Subscribe if you love.

Signing off for today.

Bye Bye

For more infomation >> How to use Electronics in India purchased from US | 220 volt to 110 volt converters explained - Duration: 2:44.

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Top 10 Adam Smith Quotes | Inspirational Quotes | Wealth of Nations Quotes - Duration: 3:07.

Adam Smith FRSA was a Scottish economist, philosopher, author,a pioneer of political

economy, and was a key figure during the Scottish Enlightenment era.

"It is not from the benevolence of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their own interest."

"Man is an animal that makes bargains: no other animal does this - no dog exchanges bones with another."

"Science is the great antidote to the poison of enthusiasm and superstition."

"No society can surely be flourishing and happy, of which the far greater part of the members are poor and miserable."

"The real tragedy of the poor is the poverty of their aspirations."

"What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?"

"With the greater part of rich people, the chief enjoyment of riches consists in the parade of riches."

"Virtue is more to be feared than vice, because its excesses are not subject to the regulation of conscience."

"Wherever there is great property, there is great inequality... for one very rich man, there must be at least five hundred poor."

"Resentment seems to have been given us by nature for a defense, and for a defense only! It is the safeguard of justice and the security of innocence."

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For more infomation >> Top 10 Adam Smith Quotes | Inspirational Quotes | Wealth of Nations Quotes - Duration: 3:07.

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What's the difference between a Traditional 401k and a Roth 401k? - Duration: 7:16.

Hey everybody, we are back in the room. We are back inside, even though it's a beautiful

day. I have Christie here so it makes it much easier for me to do them inside where I have

my board. So, today what we're going to do…

Oh, oops. I'm Mike Palios, and I give my clients confidence

to make great financial decisions. So, what we're going to today is talk about

the differences between 401k's and IRA's and Roth and Roth 401k and Roth IRAs, okay?

So, a lot of people, when we have this conversation, they think they know what the tax treatment

is, but they're not 100% sure, so I figured this was a good lesson for my class to hear

about. So, again, very very technical chart with

very clear handwriting…I know you can read everything. So, we're going to do first

the 401k's and IRA's and then we're going to talk about Roth's. So, you make

$100,000 and you contribute 10% to your 401k, alright? 10%...you are taxes at $90,000. Now

this is very very basic, okay? So, it doesn't factor in any other deductions you may have.

It just says you make $100,000, you put in 10% to your 401k contribution, you are taxed

at $90,000. So, your tax rate, your taxes are actually lower because you are taxes on

$90,000 not on $100,000. You follow? Christie, does that make sense?

- "Yes." (Christie). Okay, good. If it makes sense to Christie,

then I know it makes sense a lot of people. - "Thanks a LOT!" (Christie, laughing)

Wait a second, that didn't come out right!!! - "Thanks!" (Christie…laughing even

more) So, we're going to move on. Okay, I'm

turning red, Christie's a little red too. Okay, so, alright…

Now, a Roth. That didn't come out right. Alright, a Roth…you make $100,000, and you

contribute 10% to your Roth, $10,000, you still are taxes at $100,000. No tax savings

this year. It's after tax contributions, okay? It's after-tax contributions. So,

you're going to pay a little bit more in tax this…this person pays a little bit more

in tax this year than this person, right? Does that make sense?

- "Yes." (Christie) Are you sure?

- "I don't think I'm answering any more…" (Christie, laughing at me again)

Christie's not answering me any more… So, this is a tax deferral, because you are

deferring tax on the $10,000. There is no tax deferral here at all.

Okay so now, what happens through over the course of time? This is just the day, the

year you make the contribution. Hey, it worked! Okay, so, 401k/IRA, now you're 65 years

old, and you've got $1,000,000 in your 401k, your traditional 401k or IRA or like a 403b,

I forgot to say that also. You've got $1,000,000. That $1,00,000 is fully taxable as ordinary

income tax rates, when you pull the money out. So, let's say you want to pull all

the money out all at once, because you just wanted to do that. You're not going to have

a penalty, and let's say that you're in a 25% tax bracket. Just to pretend.

You're going to net $750,000. The government, in this case, has a essentially a permanent

lien on your 401k money, and the thing that stinks is that - this example has 25% - the

government, if they choose, the government, if they choose, they can increase that at

any point in time. At any point in time. They also can decrease it.

Now, you're going to have to ask yourself the question, do you think that the government

…is it likely that they are going to raise or lower taxes in the future? Every single

person that I've asked, it does not matter which side of the political spectrum that

they are on, everyone believes that they government is going to raise taxes in the future, and

I agree with that, okay? Now that doesn't mean that they are GOING

to raise taxes, but if you're going to Vegas to bet, you're going to bet that they're

probably going to raise taxes. So, this may be reverse tax planning…it may be, it may

be, alright? So, as long as you understand that when you

get your statement that says IRA's and 401k's, and they have $1,000,000 or hundreds of thousands

of dollars, it's not a real number because it doesn't show you what the actual taxes

are. Now, let's compare that to a Roth. And let's

say that at 65, a Roth, Roth 401k, Roth 403b, they say that they had $800,000 in that. That

you could pull that money out tax free. No taxes. Now, could the government change their

mind? I guess they could, but who knows. All we know is that right now, this is fully

taxable, and this is tax free. You can't touch this for both of these…you

can't touch this money until 59 ½ years old. That clearly says 59 ½.

- "You cannot touch it?" (Christie) You cannot touch it without penalty, prior

to age 59 ½. And, when you turn 70 ½, you have to start taking distributions from here…it's

called Required Minimum Distributions. No such requirements on this side. You've already

paid the tax. They Government has already collected what they way, you get this tax

free, okay? Is that helpful?

- "Yeah!" (Christie) I hope so. So, as you are… So, I've done

a couple of videos on taxes. I did one on the staircase, um, what was the other one

I did that I don't remember where I was, when I talked about… Oh, I was in here when

I talked about the tax brackets! So, what you need to do is you need to figure

out, you need to figure out what your long-term tax strategy is going to be, okay? You've

got a short-term tax strategy where you want to do this because this is going to save you

taxes this year. And that is good for this year. But what's it going to be 20 years

from now? How are you going to be thinking 25 years from now when you have to start drawing

income from these accounts and you're going to have to pay taxes at some point.

I can't tell you…there are a few clients of mine that are of age where they're going

to have to start pulling money out of here and they don't want to because they know

they're going to have to pay tax. So, we want to avoid that fear of having to address

tax issues, if we can, alright? I hope it was helpful. Leave comments on the

bottom. I hope this is going to spur some discussion with some of you. Um, thanks for

all of your comments as far as…I really, really appreciate it. And I will see you all

next time. Thanks.

For more infomation >> What's the difference between a Traditional 401k and a Roth 401k? - Duration: 7:16.

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You Can Ride 2 - Duration: 3:07.

I'm Nick Mc Quik and we're here at

you can ride2 helping disabled

children get a leg up on mobility

You Can Ride 2 has been around for

close to 15 years. We originally started

teaching kids to ride two wheel bikes and

then we saw a need that well what about the

kids who would never be able to ride a

two wheel bike what are what are they

getting for opportunities ride a bike

so that's how we started the

bike loan program which is what's

happening here today

so what we have today is we have a

tricycle that has been built up

specially for children with special

needs. (Yeah). and you can see it has a

backrest, it's got a bar that's easy to

grab and what it doesn't have which we

need to put on right now are some pedals

if you look there you can see the

threads are the different way. (OH It's

backwards) yes it has backward threads

on the left hand side. (OK so lefty

tighty, righty loosey. Like the old

saying doesn't say.)

No, you're right yeah, yeah, yeah.

I knew it would confuse me at some point

There ya go! Click we're good

(Gotta couple pedals.) And we're good to go

The child should be here in about a 15-20

minutes half hour or so

We have great mechanics here who can do some

amazing stuff with like the metalworking

and just figuring out how to put things

together so is that adding you know

backrest for kids might be in a wheelchair

or giving a child who is in wheelchair

a hand cycle instead so they can use

your hands to pedal themselves, right so

it's a lot of finesse to

figure out what is that perfect balance

to get the bike to fit the child

we're not going to necessarily change the

child's condition but we can make the

bike work for them

If not for the program how much do you

figure the cost to get a bike like this custom-made

Thousands ... -Thousands

when you got a kid with a disability

they need all kinds of different

equipment but unfortunately they grow as

kids do and so you spend a whole ton of

money on a bike that maybe works for a

year and then you're stuck with a

piece of equipment that you can't use anymore

Ask the mechanic ... the chain needs tightening

but the pedals are on pretty good

right? (oh is that what you did?

Ha! Ha They told me you changed the pedals

Do you trust him?

If someone was interested in getting into volunteering

and helping out how would they go about it

Well we have a You Can Ride 2 dot C A

website and you can log on there and

there's opportunities for volunteering

it's a lot of work many many hours

before the smiling child rides off into

the sunset

For more infomation >> You Can Ride 2 - Duration: 3:07.

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Teaser Tenta Que Dá (Try and you will get it) - Duration: 1:40.

If you try you get it

I am afraid of this thing called challenge

But if I don't try how I will gonna know

There is a buzz day and night inside my ear

That is telling me to try even if I am affraid

If you try you get it, If you try you get it, If you try you get it

With faith I fly to every where my mind takes me

In case I fail I will try one hundred times again

If you try you get it, If you try you get it, If you try you get it

The fear tries to convince me to don't go

But the dreams keep pushing me to where I want to go

If you try you get it, the world is big and the day is today

My hearth is pretty crazy to give it a go

If you try you get it, If you try you get it, If you try you get it

With faith I fly to everywhere my mind takes me

In case I fail I will try one hundred times again

If you try you get it, If you try you get it, If you try you get it

I am afraid and this is such a weird feeling

My destiny I will chase I will create

From far away it looks small and just a dream

But I will try and I will make it become true!

If you try you get it To live better

Coming soon on Wednesdays

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