Come try the new Wheel Deal Extreme!
-------------------------------------------
KZ Tandingan - See You Again | Episode 10 | Singer 2018 | REACTION - Duration: 6:28.WOW!
Hi everyone, this is me and this is KZ Tandingan - See You Again Singer 2018 Episode 10 | REACTION
ok
Kz you look really beautiful
Chinese?
wow
WOW!
okey
This girl is amazing
WOW!
yea
wow
Kz you are one of the best people who was in this program
yea girl
wow
wow
WOW!
it is beautiful
WOW!
WOW!
Bravo! KZ BRAVO!
WOW!
really KZ
This is your next beautiful performance
really WOW!
You chose a beautiful song this song is from the movie Fast And Furious
wow
really
You did it very beautifully
She sang this song in Chinese and English together it came out very beautifully
I really like this song
And your performance of this song
it touched me
wow
You're one of the better people here, and I do not know why you've recently been eliminated, now you're singing for us, but you should stay here all the time
It's really worth waiting for moments like this for your performances
You are great
Your music is beautiful, really wow
The whole performance is amazing
You look very beautiful here
That's all I can say because
It was so beautiful that there were no words
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Crochet Bunny Ears Tutorial - Duration: 20:52.Hey everyone.
I'm Lizfaerie and today I'm going to show you how to make these crochet bunny ears.
These are similar to the ears I made a while back, but I've improved the technique and
now there's a written pattern available.
If you want to make these ears, some things you'll need are:
A crochet hook, I'm going to be using a size E (3.5 mm)
A pair of scissors A yarn needle
I'll be using a bobby pin to mark my stitches And you'll need yarn.
I'll be using "white" from Red Heart Super Saver and "Soft Rose" from Loops & Threads
Impeccable, but you can use any yarn you like.
If you'd like a written pattern, you can find one in my Ravelry store.
The link is in the description below.
I'm going to start with the foundation chain.
Using my pink yarn, I'm going to create a foundation chain that's the length I want
for the inner ear, minus half the width I want for the inner ear That's because when
we're done working the inner ear, the extra half-the-width length will be added at the
top.
For my foundation chain, I'll chain 24.
So I've done my chain of 24, if you like you could work your stitches into each side of
the chain, but if you do, there'll be some gaps at the very middle of the foundation.
So instead, I'm going to work some slip stitches into the back loops of my chain to make a
foundation chain on the other side.
So first I'm going to chain 1 more, and that's going to count as the 1st slip stitch on other
side of the foundation chain.
Next I'm going to slip stitch into the back loop of the 3rd chain from the hook.
An easy way to find that loop to work into, is just to slip your hook behind one loop
of the chain, then the other.
And now the back loop of the chain should be here, behind the hook.
So I'm going to pull up a loop around the back of the chain.
And slip stitch.
Then I'm going to slip stitch into the backs of the remaining chains until the end of my
foundation chain.
In the end you should have 48 stitches total, with 24 chains on each side, unless of course
you're making a different size.
At the end of the foundation row I'm going to chain 1 for the 1st stitch of the next
row.
Then I'm going to single crochet in the 3rd chain from the hook, and into the remaining
stitches on one side of the foundation until the last 2 stitches on this side.
When I get to the last 2 stitches on this side, I'm going to increase those 2 stitches,
turn the work, and then work along the other side of the foundation chain.
This side of the foundation chain is going to mirror the other side.
So I'm going to increase the first 2 stitches on this side.
Then I'm going to single crochet into the remaining stitches of the row.
For the next row, I'm going to do almost the same thing.
So I'm going to chain 1, and that counts as the 1st stitch of the row.
Then single crochet in the 3rd chain from the hook and into the stitches on one side
of the row, this time until I reach the middle 4 stitches of the row, which is going to be
the 3rd stitch of the increases I made in the last row.
Alright, I've gotten to the middle 4 stitches of the row.
So I'm going to increase into each of those 4 stitches at the middle.
So single crochet twice into each stitch.
Alright, I've finished my 4 increases, next I'm going to single crochet until the end
of the row.
I'm going to repeat that one more time to make the inner ear wider.
So chain 1 for the first stitch.
And single crochet until the middle 4 stitches of the row.
Then increase those 4 stitches.
And single crochet until the end of the row.
And if you want, you could continue to repeat that pattern of increasing the middle 4 stitches
of the row if you want the inner ear to be even wider.
Just keep on increasing the 3rd through the 6th stitch of the 8 increase stitches from
the previous row to increase the middle 4.
But this is going to be my last row of the inner ear.
So at the end of the row, I'm going to slip stitch to the first stitch of the row on the
other side, and cut off my yarn.
And now the inner ear part is done.
To make the outer ear part, I'm going to do the same thing, this time using my white yarn.
So I'm going to pull up a loop into the 1st stitch of the row on one side of the inner
ear.
Then I'm going to single crochet until I get to the middle 4 stitches of the row.
And once I reach those stitches, I'm going to increase each one.
Then single crochet until the end of the row.
To keep making the outer ear part even bigger, keep repeating that pattern.
I'm going to do this for 3 more rows.
Just keep increasing the middle 4 stitches of the row, the 3rd through 6th increase stitch
from the previous row.
Next, to make the back of the ear get smaller, I'm going to do the same thing, except instead
of increasing, I'm going to decrease.
So chain 1 for the 1st stitch.
Single crochet in the 3rd chain from the hook.
Then, to decrease, I'm going to single crochet until I get to the middle 8 stitches of the
previous row, which is going to be the first of those increase stitches.
Alright, I've reached the increases at the middle.
Now I'm going to decrease each of those increases together.
So I'm going to pull up a loop through both the stitches of the increase.
Then I'm going to single crochet to decrease.
Then do another decrease in the next 2 stitches.
Then decrease the next 2 stitches.
And decrease one more in the next 2 stitches, until you have 4 decreases.
When you finish the 4th decrease, single crochet in the remaining stitches of the row.
I'm going to continue to decrease for each row until I have the same number of stitches
left as the amount of chains in my foundation row.
So chain 1 for the 1st stitch.
Single crochet in the 3rd chain from the hook and into the stitches on this side of the
row, until I get to the middle 8 stitches of the row.
This time that's going to be 2 stitches before the decrease stitches from the previous row.
So I've reached the stitches before the first decrease.
Now I'm going to decrease those 2 stitches together.
So pull up a loop through both those stitches, and single crochet together to decrease.
And I'm going to do that again in each of the next 6 stitches until I have 4 decreases.
Then single crochet until the end of the row.
I'm going to keep doing the same thing, decreasing the middle 8 stitches of the row, until I
have the same number of stitches left as chains in the foundation row.
I went on for 5 more rows.
At the end of the last row, chain 1 to end the work, and cut off a long tail of the yarn.
Now I'm going to use that tail to sew the back of the ear closed, using a ladder stitch.
And
then sew in the end.
And now the first ear is done.
Now I'm going to repeat the same thing to make another ear of the same size.
And if you like, you could make a wire skeleton for the ears, to make them easier to stand
up straight.
I'm going to use the same method I used in my wire skeleton tutorial, but I'm just going
to make it a long 17 inch piece, with a loop on either side.
And I'm going to fold it over at the middle, put it inside the ear, and sew the loops down
to either side.
If you want to see how I did this in more detail, check out my wire skeleton tutorial.
But you don't have to do this if you don't want the ears to stand straight up.
And I'm just going to use some clips and bobby pins to attach the ears in my hair.
Or if you like, you could sew the ears down to something else, like a headband, or a hat,
or a cowl, or even a doll.
And now the ears are finished.
I hope you enjoyed this tutorial.
If you did, give it a like and share it on social media.
If you like my work and want to support me in making new videos, donate to my Patreon.
Find more information about that at Patreon.com/faerierings.
And if you'd like to see more tutorials like this in the future, subscribe to my channel,
and I'll see you all next time!
Bye!
-------------------------------------------
I Turn To You | Welcome back Cá cá Channel 2018 | - Duration: 3:01.I turn to you like a flower leaning towards the sun
I turn to you 'cos you're the only one
Who can turn me around, when i' m up side down I turn to you
I turn to you like a flower leaning towards the sun
I turn to you 'cos you're the only one
Who can turn me around, when i' m up side down I turn to you
-------------------------------------------
The Last Movie Star Soundtrack | OST Tracklist - Duration: 0:50. For more infomation >> The Last Movie Star Soundtrack | OST Tracklist - Duration: 0:50.-------------------------------------------
How to Review the Will (or Family Tree) - Duration: 5:46.How to review the Will (or family tree).
Hi, Anthony again let's talk about how to review the Will
or the family tree if there is no Will.
Now the first question you want to ask,
well first let me start off by saying that this
does not replace the advice of an attorney
or seeking the council of an attorney but this is just
sort of a cheat sheet so you have at least
a ballpark sense of what's going on with the Will,
before you contact an attorney.
So the first question you need to ask yourself is,
is the Will valid?
Was the Will done correctly is it a legal binding document?
And here's some of the things you need to look at,
number one is it an original?
Sometimes you'll end up, if you'll look carefully
you'll realize that all you have is a photocopy
not an actual original signed document,
you need the original.
Number two, it has to be typed, it cannot be handwritten.
Some states are different, but in most states
it has to be a typed document
and handwritten Wills are only allowed in the most narrowest
of circumstances,
it's just highly unlikely it would be allowed
in your circumstances so just it needs to be typed.
Three is it signed and dated?
You'd be surprised I mean it sounds intuitive
that the Will actually has to be signed by the person
who made the Will but a lot of folks come in
with a Will that was prepared by an attorney
they paid for it but the person never signed it
and all that is, is a draft that's not a binding document
at all so it has to be signed and dated.
The Will has to be witnessed, most states require
two sometimes three witnesses
and they have to have signed the Will in the presence
of the person making the Will.
There have to be two or three witnesses.
Now this is something that's hard to tell from looking
at the document but was the person competent
when they made the Will, if the date of the Will
coincides with a time when the person was you know
hospitalized or suffering some lack of competency,
dementia Alzheimers something like that then you might
have something to look at that might be cause to
contact an attorney to see if there was a lack
of competency.
And lastly was it a do it yourself Will,
or was it supervised by an attorney?
And the reason for looking at that is because
a do it yourself Will, will come under much closer scrutiny
by the court versus if it was prepared
by an attorney right or wrong, whether or not you agree
with this the court will give it a lot more leeway
and a lot more sort of benefit of the doubt
when it reviews it for you.
Okay now that you've taken a look at whether or not the Will
is valid you want to know who inherits?
You want to take a look at who inherits because it'll
help you understand whose gonna be involved,
whose contact information you might need to gather,
and figuring out oh is this person even alive, right?
So with a Will you know Wills can be highly customizable
and different but what you want to focus on for most Wills
is two areas, specific gifts and the residuary gift.
I'll describe that, specific gifts are pretty
straightforward, $10,000 to Bob.
My Cadillac car to John.
Very specific items or dollar amounts.
And then every Will should have what's called a residuary
provision, a catch all whatever was not specifically
dealt with in the specific gifts, specifically specific,
is given out in percentages.
Whatever's left is carved into
percentages to certain people.
It can say perhaps and all or 100% of my residuary
to my spouse, or my residuary 50-50 you know half
and half to my two kids something along those lines.
If there is no Will or if the Will is invalid
then you apply the state's default inheritance laws
often called intestacy and it usually breaks down
something like this, I'll give you the New York example.
It depends on who the surviving family members are.
If there's a spouse all to the spouse,
if there's a spouse and kids, the first 50,000 off the top
to the spouse and then whatever's left half to the spouse,
half divided equally amongst the kids.
And then once you get into nieces, nephews,
aunts and uncles it sort of gets pro rated
depending on whose the closest relation.
You can talk to your attorney about the exact calculation.
And lastly what you want to figure out when you're
reviewing the Will or the family tree is, who's in charge?
And this is again similarly this is important because
you want to know who needs to be contacted,
figure out whose living, whose still in the United States
things like that, now if there's a valid Will,
the person whose in charge might be the nominated executor.
It'll be a section in the Will that says I nominate,
and appoint my spouse, or my brother John to be the executor
of my Will and if he's not available maybe a successor
a backup and maybe even a backup after that.
If there is no Will or if the Will is invalid then again
the state has default inheritance laws called intestacy,
and it will typically be similar to who inherits
based on who is the closest family relation.
Now what I need to point out is neither of these things
are binding these are guidelines, if for whatever example
the named executor or their next of kin is not able to
is does not want to does no have the time to be
the executor then that's something that you
can cooperatively opt out of and choose somebody else
to be the executor instead whose lifestyle
or whose needs better suits the role
of executor for the family.
So that's our summary of how to review the Will
or the family tree, hope you found this helpful
I'm Anthony New York Probate Attorney
and Executor, take care.
-------------------------------------------
How to Draw Emoji | Emoji Coloring Page | Learn Colors for Children - Duration: 10:19.How
to Draw
Emoji
How
to Draw Emoji
-------------------------------------------
Babies Who Look Like Celebrities You Won't Believe - Duration: 3:05.Babies Who Look Like Celebrities You Won't Believe
-------------------------------------------
🎤 Psalm 55 Song with Lyrics - But I Will Trust In You - Jason Silver [WORSHIP SONG] - Duration: 6:49.1 Give ear to my prayer, O God; do not hide yourself from my supplication.
2 Attend to me, and answer me; I am troubled in my complaint. I am distraught
3 by the noise of the enemy, because of the clamour of the wicked. For they bring trouble upon me, and in anger they cherish enmity against me.
4 My heart is in anguish within me, the terrors of death have fallen upon me.
5 Fear and trembling come upon me, and horror overwhelms me.
6 And I say, 'O that I had wings like a dove! I would fly away and be at rest;
7 truly, I would flee far away; I would lodge in the wilderness;
Selah
8 I would hurry to find a shelter for myself from the raging wind and tempest.'
9 Confuse, O Lord, confound their speech; for I see violence and strife in the city.
10 Day and night they go around it on its walls, and iniquity and trouble are within it;
11 ruin is in its midst; oppression and fraud do not depart from its market-place.
12 It is not enemies who taunt me— I could bear that; it is not adversaries who deal insolently with me— I could hide from them.
13 But it is you, my equal, my companion, my familiar friend,
14 with whom I kept pleasant company; we walked in the house of God with the throng.
15 Let death come upon them; let them go down alive to Sheol; for evil is in their homes and in their hearts.
16 But I call upon God, and the Lord will save me.
17 Evening and morning and at noon I utter my complaint and moan, and he will hear my voice.
18 He will redeem me unharmed from the battle that I wage, for many are arrayed against me.
19 God, who is enthroned from of old, Selah will hear, and will humble them— because they do not change, and do not fear God.
20 My companion laid hands on a friend and violated a covenant with me
21 with speech smoother than butter, but with a heart set on war; with words that were softer than oil, but in fact were drawn swords.
22 Cast your burden on the Lord, and he will sustain you; he will never permit the righteous to be moved.
23 But you, O God, will cast them down into the lowest pit; the bloodthirsty and treacherous shall not live out half their days. But I will trust in you.
New Revised Standard Version Bible: Anglicised Edition, copyright © 1989, 1995 the Division of Christian Education of the National Council of the Churches of Christ in the United States of America. Used by permission. All rights reserved.
-------------------------------------------
[ENG SUB CC] Idol Producer: Lin Yanjun and You Zhangjing Drawing Time - Duration: 5:33.Welcome...
to our new show
'Greasy' Drawing Workshop (play on word with You Zhangjing's name)
[I'm screwed]
There isn't anything wrong with this video [What should I do?]
because I'm speaking very slowly.
[Guilty]
I'm only imitating someone's speed. [Very mean]
[I'm dead]
Please apologize to everyone.
Why were you 3 hours late?
I... [This person was late for 3 hours]
I wasn't [reluctant to admit]
Say.
[Guilty]
It's Lin Chaoze's fault.
[Pushing blame]
Why are you mentioning Lin Chaoze?
[Not buying it]
He's called a 'Whirlwind'.
He's never late.
[I'm very fast]
He's never late, but
he miscommunicated with me.
Why are you speaking so fast suddenly?
Because i'm very nervous.
Stop playing with me.
Ok.
Today's topic isn't anything else.
We are
going to draw each other.
Draw each other. Repeat with me.
Draw each other. [Obedient]
Good job. Thank you.
Let's get started.
First, I'm going to use yellow.
You Zhangjing is yellow in my mind.
Then I also want to use yellow.
Because in my mind, he's a prince charming [skilled at bullshitting]
so I have to draw a crown for him.
[cannot comfort me]
Very apparent that he's repenting for being late.
Yup.
Ok.
[Fast and furious / Careful]
[Drawing seriously / Suddenly narcissistic]
[What stimulated him?]
[I'll switch a color]
[How do I open?]
Sorry, director [I have a complaint]
there's a problem with this pen
[Cannot refrain from trouble]
With both of your intelligence
it's boring if we only let you guys draw.
Let's add on karoaking.
I can't multitask. [Won't be able to react]
Friends!
Everyone!
[Singing Taiwanese song]
[Secretly glance]
[Sings the moment he opens his mouth]
[Another Taiwanese song]
I never heard this before.
(Trying to say song name)
[You actually have this song]
[Worried]
[Flurried]
[Nervous]
[How does it go?]
Give me some of the lyrics.
Do you have any male singers?
[Still won't know the song]
Why are they all female singers?
[Aggresively questions]
Do you know (song name)?
[You know this too?]
[Found the feeling]
Hello everyone. [Sudden impersonation]
I am Wu Bai. (Five Hundred, Taiwanese rocker)
One more time.
Sorry, I laughed.
[Falls apart in 1 second]
[The next few songs...]
[Finding the key]
[Affectionately]
"Miss Genuine" (song by Elva Hsiao)
[Eyes light up]
[What are you up to?]
I heard this is your hit song. (as in his jam)
Sorry, can we pause. [Guilty]
Time out.
[To the rescue] I heard this is his hit song.
[Don't stir it up]
It's your first hit song.
Because You Zhangjing sang this song before.
Really?
Do I have the honor to hear the original?
Can I?
[Singing honestly]
I want to hear the refrain.
[Continues to help attack]
I forgot how to sing the refrain [Pretends to forget]
How does it go?
[Unknowingly starts singing]
I'm too easy to cue.
[Dislikes himself]
[Another Taiwanese song]
[I know this one]
[Shows off vibrato]
[Another Taiwanese song]
[Chinese Song storehouse]
[Entering into stage of forgetting himself]
[Reveled]
I'm running out of time.
[Sudden stop]
[Back to main topic]
[What happened to being an English Major?]
Your drawing is very shallow.
[Ignores] And
Hotpot of...
Curly...
Angel's curly voice.
Why curly?
Because his hair is very curly.
And
his attitude is very curly.
[What are you saying?]
I mean bubbly.
Mellow
Why is your prince riding a cow?
I think I've seen this animal in Lord of the Rings.
It's...yeah
I wanted to draw a horse originally
but I accidentally drew it too fat.
So is your prince in the Northern region?
Why's he wearing a fur coat. [Prince who's scared of the cold]
Fur coat.
Do you know why I colored this coat using red?
It's because Lin Yanjun likes red jackets.
Don't be fooled by his stoic appearance.
he's actually
like a rainbow.
He actually takes very good care of Banana Culture's trainees
[Kind of embarassed]
So don't be fooled by his appearance.
This is the part where we compliment each other right?
[Don't ruin my stoic image]
-------------------------------------------
"I Hesitated To Invest But Since Then I've Made Back My Investment" l HTC Testimonial - Duration: 4:55. For more infomation >> "I Hesitated To Invest But Since Then I've Made Back My Investment" l HTC Testimonial - Duration: 4:55.-------------------------------------------
Stock Market Crash In 2018? | History of Stock Market Crashes - Duration: 17:28.Well the stock market's taken a bit of a turn for the worse this past week, isn't it?
Hey everyone, Daniel here and welcome to Next Level Life a channel where you can learn about
Investing, debt, retirement, and many other general financial education videos because
the school's aren't going to do it for us.
So if any of those topics sound interesting to you or if you want to learn how to better
handle your money and have more financial freedom be sure to hit that subscribe button
and the bell next to my name to be notified every time I upload a video.
Well I didn't initially plan to do this video this week but seeing as the market kind of
took a bit of a tumble at the end of the week losing about 5% of its value according to
the S&P 500 in the last couple of days I figured it's probably a good time to upload this video.
So it is March 25th, 2018 as I'm recording the audio for this video and from March 21st
to March 23rd the market dropped from about $2,720 down to about $2,590 a loss of about
5% in the span of two days.
And with things like possible trade wars being all over the news lately one has to wonder
if the market is about to collapse?
Well as I've mentioned many, many, many times on this channel and as I will mention
many more times as we go along I have no idea what the market's going to do next.
Nobody truly does.
But if the market does crash I thought it'd be a good idea to look now, before it happens,
and see during a market crash how much of a difference can you make in your net worth
by continuing to invest?
So in this video, I'm going to give you a bit of a crash course in the stock market...
Crashes and go through the most notable Market crashes since the 1950s using data from the
S&P 500 as a barometer and talk about how much the market dropped and how long it took
the market to recover.
Then at the end of the video I'm going to compare and contrast the differences in net
worths of someone who pulled out of the market during large crashes, someone who decided
to stop investing during crashes but did not sell their Investments that they already had,
someone who continued to invest like normal during large crashes, and finally someone
who starts to invest even more when the market is going down.
Let's get started.
Alright one last thing I want to mention before I actually get into the crashes themselves
is that I understand that crashes can be very bad in more ways than just seeing your investment
values going down.
The unfortunate fact is that a lot of people lose their jobs when the market crashes, so
all of the stuff that I go through in this video today is only going to be valid if you
can keep an income coming into the household during the crash.
So first I'll start with the smaller crashes which in my opinion should probably really
be called Corrections.
In December of 1952, the S&P 500 peaked at $26.57 over the next several months it dropped
to a low of $23.32 in August of 1953.
That was a drop of a little over 12%.
A few months later it would recover and break its original peak of $26.57 closing at $26.94
in March of 1954.
Meaning that it took 1 year and 3 months for the market to go from the First peak all the
way to the point where the market fully recovered and set a new high.
In July of 1956, the S&P 500 peaked at $49.39 over the next several months it dropped to
a low of $39.99 in December of 1957.
That was a drop of 19%.
A few months later it would recover and break its original peak of $49.39 closing at $50.06
in September of 1958.
Meaning that it took 2 years and 2 months for the market to go from the First peak all
the way to the point where the market fully recovered and set a new high.
In July of 1959, the S&P 500 peaked at $60.51 over the next several months it dropped to
a low of $53.39 in October of 1960.
That was a drop of a little under 12%.
A few months later it would recover and break its original peak of $60.51 closing at $61.78
in January of 1961.
Meaning that it took 1 year and 6 months for the market to go from the First peak all the
way to the point where the market fully recovered and set a new high.
In December of 1961, the S&P 500 peaked at $71.55 over the next several months it dropped
to a low of $54.75 in June of 1962.
That was a drop of a little over 23%.
A few months later it would recover and break its original peak of $71.55 closing at $72.50
in August of 1963.
Meaning that it took 1 year and 8 months for the market to go from the First peak all the
way to the point where the market fully recovered and set a new high.
In January of 1966, the S&P 500 peaked at $92.88 over the next several months it dropped
to a low of $76.56 in September of 1966.
That was a drop of a little over 17%.
A few months later it would recover and break its original peak of $92.88 closing at $94.01
in April of 1967.
Meaning that it took 1 year and 3 months for the market to go from the First peak all the
way to the point where the market fully recovered and set a new high.
In November of 1968, the S&P 500 peaked at $108.37 over the next several months it dropped
to a low of $72.72 in June of 1970.
That was a drop of a little under 33%.
A few months later it would recover and break its original peak of $108.37 closing at $109.53
in May of 1972.
Meaning that it took 3 years and 6 months for the market to go from the First peak all
the way to the point where the market fully recovered and set a new high.
In December of 1972, the S&P 500 peaked at $118.05 over the next several months it dropped
to a low of $63.54 in September of 1974.
That was a drop of a little over 46%.
A few months later it would recover and break its original peak of $118.05 closing at $121.67
in July 1980.
Meaning that it took 7 years and 7 months for the market to go from the First peak all
the way to the point where the market fully recovered and set a new high.
In March of 1981, the S&P 500 peaked at $136.00 over the next several months it dropped to
a low of $107.09 in July of 1982.
That was a drop of a little over 21%.
A few months later it would recover and break its original peak of $136.00 closing at $138.53
in November of 1982.
Meaning that it took 1 year and 8 months for the market to go from the First peak all the
way to the point where the market fully recovered and set a new high.
In August of 1987, the S&P 500 peaked at $329.80 over the next several months it dropped to
a low of $230.30 in November of 1987.
That was a drop of a little over 30%.
A few months later it would recover and break its original peak of $329.80 closing at $346.08
in July of 1989.
Meaning that it took 1 year and 11 months for the market to go from the First peak all
the way to the point where the market fully recovered and set a new high.
In May of 1990, the S&P 500 peaked at $361.23 over the next several months it dropped to
a low of $304.00 in October of 1990.
That was a drop of a little under 16%.
A few months later it would recover and break its original peak of $361.23 closing at $367.07
in February of 1991.
Meaning that it took 8 months for the market to go from the First peak all the way to the
point where the market fully recovered and set a new high.
In August of 2000, the S&P 500 peaked at $1517.68 over the next several months it dropped to
a low of $815.28 in September of 2002.
That was a drop of a little over 46%.
A few months later it would recover and break its original peak of $1517.68 closing at $1526.75
in September of 2007.
Meaning that it took 7 years and 1 months for the market to go from the First peak all
the way to the point where the market fully recovered and set a new high.
In October of 2007, the S&P 500 peaked at $1549.38 over the next several months it dropped
to a low of $735.09 in February of 2009.
That was a drop of a little over 52%.
A few months later it would recover and break its original peak of $1549.38 closing at $1569.19
in March of 2013.
Meaning that it took 5 years and 5 months for the market to go from the First peak all
the way to the point where the market fully recovered and set a new high.
In May of 2015, the S&P 500 peaked at $2107.39 over the next several months it dropped to
a low of $1920.03 in September of 2015.
That was a drop of a little under 9%.
A few months later it would recover and break its original peak of $2107.39 closing at $2173.60
in July of 2016.
Meaning that it took 1 year and 2 months for the market to go from the First peak all the
way to the point where the market fully recovered and set a new high.
All right with that out of the way let's get to the comparison.
Now obviously most people aren't going to work for 70 years, the human body just could
not sustain it, so I won't be using the data from 1950 to today instead I'm going to be
using the data from January of 1978 to the end of December 2017 so that 40 year period.
In all four cases, I'm going to assume that each person invests $100 a month.
Let's see how their net worths change depending on how they handle Market crashes.
I'll start with Joe.
Joe is a little bit more nervous during Market crashes and tends to panic a little bit more
than he would like to admit and as a result, he sells his Investments when the market is
bottoming out.
Now is that a little bit unrealistic that he would sell off his investments at the low
point of the market every time?
Yeah, I admit it is a little bit unrealistic, but this is just for an example to illustrate
the differences in your net worth depending on how you handle Market crashes.
So Joe starts off in 1978 confidently investing $100 a month.
The market starts to go down in March of 1981 but he continues investing, figuring that
it will come back eventually.
However, eventually, it gets to be so bad that he can't take it anymore.
He loses his faith in the market in July of 1982 and completely sells his way out of the
market.
He regains his confidence in the market in November of 1982 when the market sets a new
high and that's when he buys back in.
Now, remember between March of 1981 and July of 1982 the market dropped about 21%.
By the time that it hit its low point Joe's net worth was $5,250 so that's what he got
when he sold his stock and that's also, for the sake of convenience, what he puts in,
in November of 1982.
This pattern continues with Joe continuing to invest as the market begins to go down
but then panicking when it hits its low, selling off his investments before getting back in
after the market hits its new high.
At which point he reinvests everything that he made from selling his stocks when the market
was low.
This means that over the course of 40 years he put over $178,000 into the market.
Now that number does include the amount they put in after selling his stocks so it is a
little bit misleading.
If we were to just look at the amount of money he put in with his hundred dollars a month
investments it would come out to be $32,700 over the course of 40 years.
His total net worth at the end of 40 years is $46,014.16.
Now let's take a look at Betty.
Betty is a little bit more confident in the market than Joe but not quite enough to continue
investing as it's going down.
However, unlike Joe, she does not sell out of the market at any point.
She will invest $100 a month just like Joe until the market starts dropping.
Once it starts dropping she will stay invested but won't continue to put more money into
the market and similar to Joe she will begin investing again once the market sets a new
high.
Over the same 40-year period as Joe, she will invest $26,800 of her own money into the market
and wind up with a net worth of $258,449.67.
That is over five times as much as what Joe ended up with!
So clearly at least over the last 40 years, it is much much better to stay invested in
the market even if you don't continue contributing during Market downturns than it is to sell
off when the market is dropping.
And I'm sure that we all already knew that but it is nice to have numbers put to it.
Next, let's take a look at Charlie.
Charlie is fairly confident in the Market's long-term potential and he
continues to invest $100 a month every month no matter what the market is doing.
This means that over the course of 40 years he will have put $48,000 of his
own money into the market.
And since he never stopped investing or sold his stocks he would have a network after 40
years of $370,424.37.
That is over $110,000 more than Betty despite the fact that he only put in about $21,000
more of his own money over the same period of time.
Lastly, let's look at Jane.
Jane has an unwavering faith in the stock market's long-term potential and not only
does she keep investing at least $100 a month no matter what the market is doing but when
the market starts dropping she doubles down and invests an extra $50 a month during the
drop and continues to invest that extra $50 a month all the way until the market hits
a new high.
At that point, she goes back to investing just her regular $100 a month.
In doing this Jane will end up with a net worth of $426,411.71.
That is an extra $56,000 more than Charlie, it's nearly $170,000 more than Betty and it
is almost 10 times the amount that Joe ended up with over the same period of time.
Now Jane did invest the most out of any of the four, putting $58,600 of her own money
into the market over the course of 40 years, but with that extra $10,600 that she invested
in comparison to Charlie she ended up with an extra $56,000 in her net worth.
Meaning that those extra $10,600 earned her roughly $5.28 per $1 invested.
In case you are curious, I get that number by
taking Jane's net worth - Charlie's net worth divided by the difference between Jane's
$58,600 of Investments minus Charlie's $48,000 of Investments.
The ratio is about the same when you compare Jane's Investments to Betty's Investments
and running the same calculation Jane earns about $14.69 per extra $1 invested when compared
to Joe.
So you can see how big of a difference changing the way you look at stock market crashes and
corrections can make in your net worth over time.
It can be a huge difference.
However, as I said earlier in the video crashes and market corrections are an opportunity
as long as you can keep income coming into the house.
However, I do want to say that just because you can noticeably increase your net worth
by shoveling as much money as you can into the market when it's going down that doesn't
always mean that you should.
For example, if you're up to your eyeballs in debt you may want to consider putting the
money, especially during a market crash, towards paying off your debt and lowering your month-to-month
living expenses.
Because who knows you may end up having to look for a new job at some point during the
crash.
Even if you're doing really good work at your company, sometimes they have to downsize as
the market Falls, so you may be laid off at least temporarily and that should always be
taken into consideration.
As always consult with a financial professional when making these decisions.
But that'll do it for me today once again if you enjoyed this video be sure to subscribe
and hit that Bell next to my name so that you'll be notified of all my future uploads.
I generally upload every single Friday, and if you have a friend that would be interested
in this kind of content be sure to share it with them and let's really get this information
out there and start our own Financial revolution.
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A LIFE CHANGING POEM BY RUDY FRANCISCO - Duration: 2:53.So the following are true stories May 26 2003 Aron Ralston was hiking a boulder
fell on his right hand he waited for days then he amputated his own arm with
a pocketknife on New Year's Eve a woman who was bungee jumping in Zimbabwe the
cord broke she then fell into a river and had to swim back to land and
crocodile infested waters with a broken collarbone Claire Chaplin was smashed in
the face by five pound watermelon being propelled by a slingshot Mathew BRABUS
was hit by a javelin david Striegel was punched in the mouth by a kangaroo the
most amazing part of these stories is when asked about the experience they all
smiled shrugged and said I guess things could have been worse
so go ahead tell me that you're having a bad day tell me about the traffic tell
me about your boss tell me about the job you've been trying to quit for the past
four years tell me the morning is a town house burning to the ground tell me the
snooze button is a fire extinguisher tell me the alarm clock stole the keys
be a smile who drove it into 7:00 a.m. and the crash total joy happiness tell
me tell me tell me how blessed are we to have tragedy so small it can fit on the
tips of our tongues you see when Evan if you and Evan losses
like he was speechless when my cousin was assaulted she didn't speak for 48
hours when my uncle was murdered we had to send out a search party to find my
father's voice most people most people most people have no idea that tragedy
and silence have the exact
when your day is a museum of disappointment hanging from events that
were outside of your control when you find yourself flailing in an ocean of
why is this happening to me when it feels like your guardian angel putting
this two-week notice two months ago and just decided not to tell you when it
feels like God is a babysitter that's always on the phone we get puts in the
esophagus by fist full of life remember and every year too many people die of
dehydration so it doesn't matter if the glass is half-full or half-empty there's
water in the cup drink that shit and stop complaining see muscle you see
muscle muscle is created by repeatedly lifting things that are been designed to way it has. so when you show this thing heavystand up straight lifted chin
he'll call it exercise remember that life is a gym membership with a really
complicated cancellation policy remember as you will survive remember things
could be worse remember we are never ever given anything that we can't handle
when the world crumbles around you you have to look at the wreckage and then
build a new one out of all the pieces that are still here remember you are
still here the human heart beats approximately 4,000 times per hour and
each pulse each throb each palpitation is a trophy engraved with the words you
are still you are still alive
act like it.
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Allie Jo the Copycat - Duration: 0:40.Eh.
Eh.
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Eh.
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Eh.
Eh.
Eh.
Eh.
Eh.
Eh.
[laughter]
Eh.
[laughter]
[coo]
Eh.
[laughter]
Eh.
[laughter]
Eh.
[laughter]
Huh... huh.
Huh, huh, huh.
Eh.
[laughter]
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3. Building Patient Engagement - Duration: 1:01.We're here to talk about you engaging your patients with videos.
I call it, The Patient Engagement Zone
How do you watch videos?
You need a video player.
YouTube is a video player,
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and we offer you a free video player
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I CRYED TELLING YOU THIS - Duration: 26:33.i will cry
10 facts about me
1
2
3
4
5
lats keep going
I WILL CRY
6
sorry
sorry about my skratchy voice
7
8
9
10
thanks for wathcing
like and subscribe
love you guys
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