YouTube on day: Waching daily Jul 29 2017

It's been raining nonstop, so we're going to talk about something different today.

Clamping dropper posts.

Many of us use a repair stand for wrenching our bikes.

Most of these stands hold bikes by clamping the seat post.

From there, the clamp can be locked into whatever position is comfortable.

Repair stands like these have been used in bike shops for many decades.

Except now, even mid end mountain bikes come with dropper seat posts.

These rather expensive seat posts can be adjusted from a switch on the handlebars, which gives

the rider the ability to get their seat out of the way on the fly.

I personally think it's the biggest improvement to trail bikes since the suspension fork,

but that's a topic for another video.

While they may seem like glorified office chairs, dropper seat posts are pretty refined.

They're compact and lightweight.

They're designed to endure the stresses of mountain biking, but it turns out those

stresses are much different from those inflicted by a bike repair stand.

Let's talk about how a stand can ruin your dropper post, and some of the ways mechanics

deal with this.

First of all you should avoid scratching the stanchion of your dropper post.

Scratches can cause abrasion on the seals, which only worsen with use.

If your stand's clamp is covered in dirt from another bike, you could be forcing sand

and rocks directly into the surface of your post, causing abrasions.

This could potentially ruin your post.

Also, bike stands can be locked into different positions.

Even on a featherweight road bike, there's a considerable amount of force being put on

the seat post for it to stay in this position.

On a dropper post, that's not good either, especially when it's done repeatedly for

long periods of time.

Sometimes you can avoid this altogether by raising the post slightly and clamping it

on the body.

Some even clamp the collar, which seems like a lot of stress to put on this little part.

I've also seen a shop towel thrown into the mix to protect the stanchion.

Considering all the bad things that can happen from clamping your dropper post, it's no

wonder that people will generally tell you not to do it.

There's no guarantee that your jaws clean, and you most certainly can't be trusted

to clamp your bike in a stressless position.

That is, unless you clean your jaws and clamp your bike in a stressless position.

In other words, it might be okay to clamp a dropper post if you understand the implications.

Look, when you clamp your bike just leave the stand loose.

The bike will fall into its natural position, putting no appreciable lateral force on the

internals.

Sure, the bike is pulling on the post, but that's no big deal for one repair session.

In fact, demo bikes hang from their dropper posts for entire seasons, and my bikes are

always stored that way.

This might not be so good though.

Nevertheless, I clamp my dropper posts, right on the friggin stanchions.

But you didn't hear it from me, you heard it from Alex.

A lot of you are actual bike mechanics, so chime in and let me know what you think.

Let's have an argument.

Is this a lazy approach to bike repair?

Should you just always raise the post enough to get the clamp on?

Where else can you clamp a bike, specifically a carbon bike, without stressing an even more

expensive part?

Let me know in the comments.

Thanks for riding with me today, and I'll see you next time.

For more infomation >> Clamping your dropper post is no big deal - Duration: 4:04.

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Short video(i love you i hate you) - Duration: 0:12.

For more infomation >> Short video(i love you i hate you) - Duration: 0:12.

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Nex to you. - Duration: 3:35.

For more infomation >> Nex to you. - Duration: 3:35.

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#9 Part 1 - Do You Know Your Optimal Investment Return? - Duration: 4:43.

Welcome to Yap's Money Life Show. Thank you again for your interest and your support.

Today I'm going to ask you a question. Do you know what is your optimal investment

return? Yes, what is your optimal investment return? Why do I

ask you this question? A few days ago, a friend asked me a question and then he

shared with me his concern, his dilemma. He said he was actually offered by someone

to invest into an investment scheme that offers him 25% return per annum. So

he cannot decide whether he should invest or not to invest into such an

investment scheme. You see, to go for it, to invest into it, he is concerned about

the risk that he needs to take. But if he decides not to invest into it, then he

is afraid that he may miss opportunity to get such a attractive return and that may

also delay his opportunity or delay his journey to achieve financial freedom. So

basically to me the way I look at it, this is the issue, this is the problem of

not having a optimal investment return. What is optimal investment return?

Optimal investment return is an investment return that you must achieve

in order for you to achieve your financial freedom. So basically optimal

investment return is like the magic number for any one person to have, for him to

achieve this financial freedom. You see, without knowing your optimal investment

return there will be no direction in your investment decision-making and you

can be easily lost in making all the these kind of decision. Generally if someone have

got more asset and more saving than the person would require a less, lower number

of optimal investment return for the person to achieve financial freedom. If a

person has got less asset,less saving the person will

require more or higher optimal investment return in order for him to achieve

financial freedom. So how does this optimal investment return apply into your

personal wealth management. For example after all the calculation, you'll discover

that your optimal investment return is actually 8%. Then what you need to do is

very clear. When you invest in any investment, you need to make

sure that your total investment return you're getting should be around

8-9% for you to achieve your financial freedom. So you see when

you know your optimal return return is 8%, you won't invest

all of your asset into low risk and low return investment like say Amanah Saham

kind of funds or bonds. Because you know that you'll be getting

maybe only 5-6% return only. At the same time, when you know

your optimal investment return is 8%, you also will not be putting all

your investment assets into something high-risk high-return like private equities.

Because even though you know that you may get 30% return, there is also a chance

for you to lose 30% of your capital as well. So for that matter, you

have a guide as to what to invest and what not to invest. Basically to achieve

8% optimal investment return, what you can do is to invest into a

diversified portfolio, whereby you've got different kind of

investment into different asset classes. By doing so you'll be

able to moderate your risk, you'll be able to actually achieve also a

reasonable return about maybe 7-9% or 8% kind of return as well. If you look at

it, optimal investment return is like a GPS. It is just like a GPS that guide us to

go to our destination. So optimal investment return is a GPS to guide us to make

better decision, more accurate decision in our investment decision-making.

For more infomation >> #9 Part 1 - Do You Know Your Optimal Investment Return? - Duration: 4:43.

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#9 Part 3 - I Will Be Retiring Soon. Should I Start Cashing Out My Investments? - Duration: 4:34.

Now I have a question from my longtime supporter

Mr JF Yong from Kuala Lumpur. His question is quite long, bear with me.

He said as part of your advice or retirement planning, I have been putting

aside 15% of my monthly salary as a saving. and I have diversified

my investment into stocks, unit trust and properties. Sounds like a pretty good

student. I'll be retiring this year and my question is whether I should

continue to do the same after retirement since I do not have any more regular

income or I should start to cash out my investments?

Also how much medical insurance should I buy? Thank you.

This is a very long question but first I must congratulate Mr. Yong for being

a good student for religiously putting aside 15 % of its money salary

into saving and into investment. I'm sure that kind of amount will be very

helpful and very useful to help him to grow his retirement asset to fund

his retirement lifestyle. You are right. You cant save regularly anymore, because

you no longer have regular income on a monthly basis. However I would

suggest you that, not to liquidate your investment portfolio

and put the money into the bank to earn interest rate just because that you are

retired now. Assuming your investment portfolio is doing well, so keep it

growing. What you need to make sure is that you will be able to manage you

portfolio in such a way that it becomes more moderate risk in nature, it is diversified

and it comprises of solid investment assets.

Many people you see, what they do is that they liquidate all the investment asset

they have and put this money into fixed deposit earning interest rate which will

be depleted by inflation risk. But now you may wonder if I invest

everything I have into an investment portfolio, how do I provide for my

retirement living expenses? My suggestion is that you should actually

only liquidate part of your investment portfolio and provide for 3 years

of your retirement living expenses as a cash reserve. And park this money into

investment or something like cash or cash equivalent kind of investment asset.

Every year you can withdraw your retirement living expenses need from the

cash reserve. Once a year, you will top up your cash reserve using

the gain, using the profit that you make from the investment portfolio.

So you always make sure your cash reserve can cater for 3 years of your

retirement living expenses. By using this retirement planning kind of methodology,

you'll be able to ensure that you always have money to take care of your

retirement living expenses and at the same time you make sure that your

investment or your retirement asset can always beat inflation risk. For medical

insurance question, please refer to episode 8 part 3, I have got

very clear explanation there.

For more infomation >> #9 Part 3 - I Will Be Retiring Soon. Should I Start Cashing Out My Investments? - Duration: 4:34.

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#9 Part 2 - ROI vs Net worth growth - Which Is Better? - Duration: 3:20.

Now I have a question from Mr. Wong, He is from Sunway. His question goes like

this. You said in episode 3 when you asked if my wealth grow higher than 11%, do you

mean my investment portfolio return or my investment portfolio ROI (return on investment)?

I just want to refresh the viewers. In episode 3, I talked about my

clients, on average, they have achieved 11% of total wealth growth. So

to answer Mr.Wong, my answer to you is, No, I do not mean investment portfolio ROI.

What I mean is the growth of your total

wealth and to be more exact, net worth. How do we get net worth? Basically

the way to get net worth is to get total asset, which includes your house, your

shares, your unit trust, your properties and your other assets that

you have, to minus against loan, then you get your total net worth. So what I mean is

that 11%, is the return, is the growth my clients get for their total

net worth. I don't mean investment return or investment ROI because

investment ROI is very limited. It could mean the growth of only your unit trust

portfolio. It could mean also the growth of your shares portfolio only. And that

is pretty limited. Why do I say investment ROI is limited? For

example, if your investment ROI is 15%, but that comprise only 30%

of your total wealth and the balance 70% of your wealth

is getting only 4% return. So in total, your total wealth growth is

only 7.3% and that is quite a distance compared to 11% my client is

getting on average. So when we measure our success in wealth management by using

a total wealth management approach, we will make sure

that every asset that we have works hard for us. We won't forget about

some under-performing or idle asset that we have. For example, money in the bank

which is like depleted by inflation risk. For example some shares which is

under-performing and we leave it there. So the idea is that when we want to grow

money with high certainty, we must look at our total wealth using strategic asset

allocation statement. Then only we will be able to make sure that every asset

works for us and that is proven effective to help us to grow our money with high certainty.

For more infomation >> #9 Part 2 - ROI vs Net worth growth - Which Is Better? - Duration: 3:20.

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10 Ways You're Making Your Life Harder Than It Has To Be | Conscious Reminder - Duration: 10:05.

10 Ways You're Making Your Life Harder Than It Has To Be

You ascribe intent.

Another driver cut you off.

Your friend never texted you back.

Your co-worker went to lunch without you.

Everyone can find a reason to be offended on a steady basis.

So what caused you to be offended?

You assigned bad intent to these otherwise innocuous actions.

You took it as a personal affront, a slap in the face.

Happy people do not do this.

They don't take things personally.

They don't ascribe intent to the unintentional actions of others.

You're the star of your own movie.

It is little wonder that you believe the world revolves around you.

After all, you have been at the very center of every experience you have ever had.

You are the star of your own movie.

You wrote the script.

You know how you want it to unfold.

You even know how you want it to end.

Unfortunately you forgot to give your script to anyone else.

As a result, people are unaware of the role they are supposed to play.

Then, when they screw up their lines, or fail to fall in love with you or don't give you a promotion, your movie is ruined.

Lose your script.

Let someone else star once in awhile.

Welcome new characters.

Embrace plot twists.

You fast forward to apocalypse.

I have a bad habit of fast forwarding everything to its worst possible outcome and being pleasantly surprised when the result is marginally

better than utter disaster or jail time.

My mind unnecessarily wrestles with events that aren't even remotely likely.

My sore throat is cancer.

My lost driver's license fell into the hands of an al-Qaeda operative who will wipe out my savings account.

Negativity only breeds more negativity.

It is a happiness riptide.

It will carry you away from shore and if you don't swim away from it, will pull you under.

You have unrealistic and/or uncommunicated expectations.

Among their many shortcomings of your family and friends is the harsh reality that they cannot read your mind or anticipate your whims.

Did your boyfriend forget the six and a half month anniversary of your first movie date?

Did your girlfriend refuse to call at an appointed hour?

Did your friend fail to fawn over your tribal tattoo?

Unmet expectations will be at the root of most of your unhappiness in life.

Minimize your expectations, maximize your joy.

You are waiting for a sign.

I have a friend who won't make a decision without receiving a "sign." I suppose she is waiting on a trumpeted announcement from God.

She is constantly paralyzed by a divinity that is either heavily obscured or frustratingly tardy.

I'm not disavowing that fate or a higher power plays a role in our lives.

I'm just saying that it is better to help shape fate than be governed by it.

You don't take risks.

Two words: Live boldly.

Every single time you are offered a choice that involves greater risk, take it.

You will lose on many of them but when you add them up at the end of your life you'll be glad you did.

You constantly compare your life to others.

A few years ago I was invited to a nice party at a big warehouse downtown.

I was enjoying the smooth jazz, box wine and crustless sandwiches.

What more could a guy want?

Later in the evening I noticed a steady parade of well-heeled people slide past and disappear into another room.

I peeked and saw a large party with beautiful revelers dancing and carrying on like Bacchus.

Suddenly my gig wasn't as fun as it had been all because it didn't appear to measure up to the party next door-

a party I didn't even know existed until just moments before.

I do this frequently.

Those people are having more fun.

Mary has a bigger boat.

Craig gets all the lucky breaks.

Ted has more money.

John is better looking.

Stop it.

Always remember what Teddy Roosevelt said: "Comparison is the thief of joy."

You let other people steal from you.

If you had a million dollars in cash under your mattress, you would check it regularly and take precautions to insure it is safe.

The one possession you have that is more important than money is time.

But you don't do anything to protect it.

In fact you willingly give it to thieves.

Selfish people, egotistical people, negative people, people who won't shut up.

Treat your time like Fort Knox.

Guard it closely and give it only to those who deserve and respect it.

You can't/won't let go.

These are getting a little harder aren't they?

That's because sometimes you have to work at happiness.

Some hurdles are too difficult to clear by simply adjusting your point of view or adopting a positive mindset.

Do you need to forgive someone?

Do you need to turn your back on a failed relationship?

Do you need to come to terms with the death of a loved one?

Life is full of loss.

But, in a sense, real happiness would not be possible without it.

It helps us appreciate and savor the things that really matter.

It helps us grow.

It can help us help others grow.

Closure is a word for people who have never really suffered.

There's no such thing.

Just try to "manage" your loss.

Put it in perspective.

You will always have some regret and doubt about your loss.

You may always second guess yourself.

If only you had said this, or tried that.

You're not alone.

Find someone who understands and talk to that person.

Reach out for support.

If all else fails, try #10 below.

10.

You don't give back.

One way to deal with loss is to immerse yourself in doing good.

Volunteer.

Get involved in life.

It doesn't even have to be a big, structured thing.

Say a kind word.

Encourage someone.

Pay a visit to someone who is alone.

Get away from your self-absorption.

When it comes down to it, there are two types of people in this world.

There are givers and there are takers.

Givers are happy.

Takers are miserable.

What are you?

For more infomation >> 10 Ways You're Making Your Life Harder Than It Has To Be | Conscious Reminder - Duration: 10:05.

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#9 - Do You Know Your Optimal Investment Return? (Full Version) - Duration: 11:39.