YouTube on day: Waching daily Apr 27 2018

Welcome to Dr. David Eifrig's Health & Wealth Bulletin. This is Weekly Update. April is

financial literacy month, so this week we've got nine questions to help to test you on

your financial literacy knowledge. Now, these are questions we've collected from some of

the best tests out there, which we'll be listing at the end for you to take. Let's see how

you do. Question one: Are contributions to a traditional

401(k) plan deducted from your salary before or after taxes? Is it A. Before or B. After?

The answer is A. Before. A traditional IRA works the same way. You contribute all your

money pre-tax. That's why, when you make your withdrawals later on, you'll be taxed on those

payments. Question number two. A typical 65-year-old

man can expect to live, on average, for how many more years? Is it, A. About 10 more years,

B. About 15 more years, C. About 20 more years, D. About 25 more years, or E. About 30 more

years. The answer is C, 20 years. This is because of the Social Security Longevity Tables.

Right now, a 65-year-old man can expect to live until about the age of 85. Now, women

are expected to live a little bit longer. For instance, a 65-year-old woman today can

expect to live another 22 years, to the age of 87. Now, the reason you should understand

longevity tables is to help you create a plan so you don't outlive your finances. This

should be step one in everyone's plan for retirement.

Question 3: At least how many months of living expenses should you aim to have in an emergency

fund? Is it: A. One to two months, B. Three to six months, or C. One year or more? The

answer is B. Three to six months. Now, keep in mind, this is a general rule of thumb.

You actually want to calculate your living expenses as well as your dependents as well

as other sources of income, like your spouse's income.

Question 4: True or false: To make money in the stock market, you have to buy and sell

stocks often. Is it A. True or B. False? The answer is B, False. In fact, some studies

show that if you buy and hold your positions instead of trading more frequently, you're

more likely to have a better portfolio performance over time.

Question 5, also true or false: Buying a single company stock usually provides a better return

than a stock mutual fund. Is this A. True or B. False? The answer is B, false. The reason

behind this is because of something called asset allocation. In a stock mutual fund,

your money is spread across several different stocks, so if one falls, you're still protected

and can still see some upside. If you put all of your money on a single stock and that

stock falls, you're gonna be wiped out. Question number 6: When do you need to start

taking required minimum distributions from Roth IRAs? Is it: A. When you retire, B. At

age 65, C. At age 70, D. By April 1 of the year after the year you turn 70 ½, or is

it E. Never? Now the answer is E, never. This is a bit of a trick question, but remember

I said Roth IRA, not a traditional IRA. And a Roth IRA does not have a required minimum

distribution. Now if we were talking about a traditional IRA, the correct answer would

be D, April 1st of the year after the year you turn 70 and a half. Now, this is incredibly

important to remember when you're putting together your retirement plan. That's because

missing a required minimum distribution can lead to hefty penalties.

Question number 7: What is the latest age to which you can defer claiming Social Security

benefits and receive an increased benefit? Is it: A. 62, B. 65, C. 66, D. 70, or E. 72.

The correct answer is D, 70. You can file and suspend and start collecting at age 70

for in increased monthly payout. But one very important caveat here is that no one else

can claim on your account. So if you have a spouse or dependents who would like to file

Social Security based on your payout, they won't be able to do so until you start collecting

every month. This can get a little bit tricky, but we do

have a Special Report on this in our newsletter, Retirement Millionaire. We're going to have

more information on that in just a moment. Question number 8: Imagine that the interest

rate on your savings account is 1% per year and inflation is 2% per year. After 1 year,

will you be able to buy more than, exactly the same as, or less than what you can purchase

today with the money in your account? Is it A. More than today, B. Exactly the same as

today, or C. Less than today. The answer to this is C, less than today. That's because

purchasing power decreases as inflation increases. So if your investments are not beating inflation,

you'll have less purchasing power in the future.

Question number 9, our final question: If you take out a loan for $20,000 with an annual

interest rate of 20%, but don't make any payments, how much will you owe at the end of four years?

Is it: A. Less than $20,000, B. $20,000, C. $30,000, D. $40,000, or E. Over $40,000. The

correct answer on this is actually E, over $40,000. The reason behind this is because

interest compounds over time, so you're not simply adding $4,000 in interest every

year. That amount will actually keep increasing every time you don't make a payment. So

at the end of four years, you're actually looking at about $41,472 that you will owe

on this account. Well, that's it for our quiz, but we do

want to know how you did, so please feel free to leave us a comment below.

Now, financial literacy is incredibly important, not only for planning our financial future,

but also to keep our brains sharp as we age. You can learn more about this and the answers

to these quizzes, which we cover all the time in our newsletter, Retirement Millionaire.

If you're not yet a subscriber, it's a great monthly service that we offer from my

boss, Dr. David Eifrig. We're going to have all the details to that in the link in the

description, so be sure to check that out today.

That's it for now. Don't forget to like, share, and subscribe. Keep your questions

and your comments coming to our feedback line, and we'll see you next week.

For more infomation >> Can You Pass This 9 Question Finance Quiz? - Duration: 7:28.

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Ice Eating ASMR - ICE CREAM Eating / Chewing - Duration: 3:48.

Ice Eating ASMR - ICE CREAM Eating / Chewing

For more infomation >> Ice Eating ASMR - ICE CREAM Eating / Chewing - Duration: 3:48.

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You are your password: The world of biometrics - Duration: 11:16.

For more infomation >> You are your password: The world of biometrics - Duration: 11:16.

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Target 2018 - Unleash Your Inner Hulk - Duration: 0:16.

[Hulk snarling, roaring]

- Roar!

[grunts] Roar!

Roar!

For more infomation >> Target 2018 - Unleash Your Inner Hulk - Duration: 0:16.

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Bon Jovi Best Songs Playlist - Bon Jovi Full Album Legend - Duration: 2:03:46.

Hello friends ! If you like this channel music please like & share, subscribe channel. Thanks you very much !!

For more infomation >> Bon Jovi Best Songs Playlist - Bon Jovi Full Album Legend - Duration: 2:03:46.

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Most BIZARRE Beaches You Can Find In The World! - Duration: 12:26.

From hot water bubbling up from the sand to islands covered with stars, here are 16 of

the strangest and most unique beaches on Earth!!!

16.)

Anjuna Beach, India Anjuna is famous for its trance parties and

huge flea market.

Even better, Anjuna Beach is more commonly known as Cow Beach and if you ever visit you

will know why.

Hundreds of cows gather on the sands of this beach and roam and lounge as freely and lazily

as some of the tourists.

The cows seem used to the human interaction.

It might not be that relaxing as a tourist but the cows sure know a good thing when they

see it!!!

15.)

Genipabu Beach, Brazil Located in Natal, Brazil, Genipabu Beach is

made up of large sand dunes reminiscent of something from the Middle East!

There are many shifting sand dunes near a lagoon that change constantly because the

hard winds in the Rio Grande do Norte coastline move the sand from one point to another, shaping

the landscape.

Sandboarding is a very common sport here and in case you were confused about where you

were, yes, that is a camel on the beach.

Camel rides are also very popular.

Brazil is just full of surprises!!!

14.)

75 Mile Beach, Australia Probably named because someone decided to

measure it, the 75-Mile Beach on Fraser Island, Australia is not only as long as the name

says it is, but it is also unique because it is also coastal highway.

As if that weren't enough, it's also used as a runway.

The white, sandy beach is packed extremely hard so four-wheelers and planes can glide

along smoothly.

But don't worry, if you visit the 75-mile beach you won't get run over.

I mean hopefully, I can't guarantee it.

Oh, and watch out for wild dingo's!!

It is Australia, so that means it's going to be fun and scary!

There are Champagne Pools on the north end.

They of course, aren't full of champagne but are named because of the foamy water created

by the crashing waves.

The shallow, sandy rock pools make perfect swimming holes, unlike other areas of the

island where there are dangerous currents and a large shark population!!

Have fun!!!

13.)

Pink Sands Beach, Bahamas Located on Harbour Island in the Bahamas is

one of the most unique and naturally beautiful beaches in the world.

It gets its name because the sand is actually pink!!

The beach is about 3 miles long and was featured as one of the World's Best Beaches on the

Travel Channel.

The calm water is great for scuba diving and snorkeling and ideal for just relaxing on

the beach.

I know that what you are really asking, is why is it pink??

The sand has many tiny bits of microscopic coral animals known as Foraminifera that have

bright pink and red shells.

Tiny bits of coral, broken shells, minute rocks and calcium carbonate all come together

to give the beach it's pink hue.

As these little animals die, the waves crush them to bits and then mixes the remains with

the sand.

While it might be a little dramaticized on the internet (a lot of pictures have filters

on them to intensify the color) the pink can be seen more closely right at the water's

edge.

Apparently the sand here is always cool too, so you don't have to worry about burning

your feet!!

If you can't make it to the Bahamas, then other pink sand beaches can be found in Crete,

Greece; Formentera, Spain; and Komodo Indonesia.

12.)

Glass Beach, California As the name suggests, this beach in Fort Bragg

is is a beach full of glass.

It is also a story of Mother Nature turning something ugly into something beautiful.

From about 1906 until around 1967, Californians used the Fort Bragg shore as a dumping ground.

Everything from cars to batteries to bottles were pushed over the cliffs into the ocean.

After the government banned the practice, decades of wave erosion weathered down the

glass refuse.

Everything from tail lights to apothecary bottles would be smoothed out by the waves.

The smooth, glistening particles washed ashore and covered what is now Glass Beach.

While the sea gems may be gorgeous to look at, so many people used to come and take glass

home with them as a souvenir that now it is forbidden to take it.

There is also a Glass Festival held annually on Memorial Day weekend for those of you who

are interested.

11.

Hoshizuna-no-hama, Japan Located on the northern tip of the remote

Iriomote Island in Okinawa these beaches are one of the hidden wonders of the world!

This beach is literally translated as Star Sand Beach because if you look closely at

the sand on this beach, you will see that the sand is actually shaped like tiny little

stars.

The grains of sand aren't sand, but shells of microscopic organisms known as Foraminifera.

Remember them from Pink Sands Beach??

There are 10,000 species that have shells with different shapes.

The foraminifera in this area of the world have star shaped shells and when they die,

their shells remain in the sea and the tide brings them ashore.

Their shells have settled on the seafloor for 500 million years, and are used by scientists

to study the earth's changing climate.

10) Rabida Island, Ecuador When you are planning a tropical vacation,

you probably imagine white, sandy beaches but after arriving on Rabida Island in the

Galapagos, you'll be surprised by the rich red color of the sand!

Covered by a colony of sea lions you should probably watch them from a distance!!

There are also iguanas and a salt water lagoon that is a feeding and breeding area for flamingos!

The color of the sand comes from the high levels of iron found in the volcanic material

that makes up the beach which oxidizes, or rusts, giving it that rich, red color.

Red beaches are pretty rare but can be found all over the world.

Maybe you've been to one?

Let us know in the comments below!!

Some other famous red sand beaches include Kaihalulu Beach in Hawaii, Cavendish Beach

in Canada, and Ramla Bay in Malta.

9.)

Boulder Beach, Cape Town Not only is this beach protected by humongous

granite boulders, but that's not even the best part.

If you go there to swim in the sheltered waters, you will be swimming next to a colony of African

penguins!!

Apparently they decided to make this place their home in the 1980's.

There are wooden walkways that allow tourists to view the penguins in their natural habitat,

and going about their daily business: sunning, waddling on the sand and diving into the waters.

It is stated that there are over 2,000 of these penguins, however you should not touch

them as they are said to have a nasty bite.

8.)

Chandipur Beach, India Now you see it, now you don't!

This beach literally disappears right before your very eyes.

Twice a day, the water recedes about five miles, which gives you the opportunity to

literally walk into the sea.

On top of this unique occurrence, you can also see the swaying casuarina trees and sand

dunes.

And don't be surprised if you see a horseshoe crab or red crab crawling beside you as this

is a completely normal day on this beach.

When the tide comes back in, it fills in the void it has left behind.

The waves are very gentle and reportedly it is a very unique experience to walk back in

with the sea.

And now for number 7 but first be sure to subscribe and click the notification bell

so you don't miss out on the latest videos!!

7.)

Gulpiyuri Beach, Spain While this might not seem like much, I mean

it's pretty tiny (only 40 m long), this is actually a beach formed in a flooded sinkhole.

There's a lot going on in that small space.

In fact, this beach is so small that the sand nearly disappears at high tide and there's

almost no water at low tide.

It is a shell-shaped little beach in the middle of a meadow and a golden stretch of sand and

crystal-clear waters that are even fully tidal.

This is due to a series of underground tunnels carved by the salt water of the Cantabrian

Sea.

It is surrounded on one side with green grass and limestone cliffs.

Its It's a pretty charming place but easy to miss if you aren't paying attention!!

6.)

Hidden Beach, Mexico Located in the Marietas Islands in Mexico,

this beach is a beautiful natural feature.

It got its name because it is literally hidden inside a cave and has a massive hole in the

roof which lets in the light.

The Hidden Beach is invisible from the outside, and is only accessible through a long water

tunnel that links the beach to the Pacific Ocean.

It's not easy to get to either and can only be reached by swimming or kayaking through

a tunnel.

The cave is also known as the Beach of Love since it offers so much privacy.

In the 1900s, the Mexican Government used the islands as a military testing site.

These bombs are believed to have carved out chunks of the rocky landscape, creating not

only this hidden, sandy beach, but also several caves.

5.)

Papakolea Beach, Hawaii So you've seen the pink sand, but did you

know there was green sand too??

Papakolea Beach, located near South Point, in the Kau district of Hawaii, is one of the

few green sand beaches in the world.

Its distinctive green coloring is composed primarily of olivine crystals, which erode

out of lava flows.

The green sand in Papakolea comes from the base of the cinder cone belonging to the Mauna

Loa volcano, formed over 49,000 years ago.

The constant erosion of the cinder cone ensures a steady supply of olivines for the beach

sand, keeping it green.

It's not that easy to get too either.

You can get to this beach by either going on a 5 mile hike or by hitching a ride from

a local for about $15.

This is a sight to see, and soon, because over the years the green will start getting

filtered and the olivines will run out, so the beach will start to lose its green hue...

4.)

Punalu'u Beach, Hawaii The Punalu'u Beach in Hawaii is known as just

Black Sand Beach because of its jet black sand.

The beach is very popular not only because of the color of the sand but also because

of the endangered animals like the Hawksbill turtle that you can see there.

The black sand is formed by the chipped basalt rock which was created by lava flowing into

the ocean.

There are also underwater freshwater springs which drifts on top of the salt because the

salt water is denser.

It makes it seem like you are swimming in water of two different temperatures!

Another famous Black Sand Beach is in Vik, Iceland, located next to the Katla Volcano.

It is also black because of the hot lava that flowed into the ocean.

Offshore, there are several, stunning, jagged basalt sea stacks and the area is inhabited

by a huge population of puffins.

3.)

Hot Water Beach, New Zealand This beach is filled with mineral water that

heats to nearly 150 degrees undereneath the sand.

For two hours at the beginning and end of low tide, visitors can dig holes in the ground

and settle into their own natural hot tubs.

With the ebb and flow of the tide, each individually created pool is completely washed away, creating

a fresh canvas for the next group of spa-seekers.

In fact, digging a hot tub is such a popular tourist activity that if you do not come with

any tools to create your own hot tub, you can just rent them!

2.)

Bowling Ball Beach, California Also known as the mysterious round rocks of

Schooner Gulch State Park, it is about three miles south of Point Arena.

The beach is full these round, smooth orbs which are lined up like bowling balls at a

bowling alley and similar in shape and size.

The best time to visit Bowling Ball Beach is at low tide, when you can see these spherical

wonders the best.

These bowling ball formations are actually known to geologists as "concretions," which

is sedimentary rock formed by a natural process where minerals bind sand and stone together

into larger formations.

Lego Beach This isn't just one beach, but many beaches

along the coast of Cornwall in the UK.

A shipping container off the coast spilled 4.7 million pieces of toy Lego into the sea

in 1997.

The pieces of Lego, which ironically were ocean themed, now drift up on shore almost

on a daily basis, even over 20 years later!!

There are flippers, spear guns, scuba tanks, octopuses, and even dragons!!

Now people are trying to clean up the beaches from these tiny pieces of plastic which are

posing an extreme risk to marine life.

Thanks for watching!!

Have you been to any of these amazing beaches??

Let us know in the comments!!

Be sure to subscribe and see you tomorrow!!

Byeeee

For more infomation >> Most BIZARRE Beaches You Can Find In The World! - Duration: 12:26.

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Dropshipping On Ebay & Amazon- Should You Sell High or Low Profit Items - Duration: 7:42.

Well hello! I am live on the Dropship blonde page. I haven't done this for a while

Been busy on my YouTube channel

But I thought I would come back and do a live video because I got asked a question this morning in our ECom Profits Academy

group and I thought I come on to the page and

answer it live so I just want to

just one make sure that I am sharing the

the live into my

group so hang on just one second so I can do that

Make sure I-- yep I am live here at the moment. Okay. Let's just share that into the group

and there you go all done.

So hopefully it is streaming in there .If any of you guys are in the ecom for profits

VIP group, then just let me know that you're watching and

So this is especially for

Samuel who's just joined the group today. used to be in INFINii. Just came back and

he wanted to know

If he needed to go into Surge which is our advanced training. If he wanted to

list higher profit items, high ticket items with high profit margins. Well the answer is no

You really don't need to go in to Surge for that yet

Because what a lot of people make the big big mistake is

listing high profit items right from the beginning, and you're going to destroy your business

You really want to make sure right from the start that you're just listing

everyday items that people are just not going to

think too much about. Not going to make massive decisions over

so sticking to the 30 to 50 pound range even less if you want

But you know these items that will just sell

regularly for you and

Just sell them to begin with at a very very low profit margin sometimes right at the beginning if I'm selling something

I'll have a zero profit margin. I mean I'm lucky

I've got a lot of suppliers that I use even if I have got a zero profit margin. I'm getting so many vouchers and

discounts and business rates from that I can do that and still make a very good profit

but if you're just looking at the pure supplier price the

Price you're selling on eBay then

Set your profit margin to zero

If you want right at the beginning or or one percent or just a very very small amount. Sell it

then start to gradually increase it and

This is what you wand to do when you're just building -- building up your account you want to make sure that you're getting traction you're getting

eyeballs on your items - you're getting a history and

don't worry about high profit items from the beginning. it really will

it's not necessary really don't need it. My biggest selling items on eBay and Amazon

are in that price range where I sell

daily and

I've got one - my hot item which is I think retails at 39.99

I've sold thousands at a profit margins of between five and seven pounds

I have got listings which give me a profit of fifty pounds plus

But they don't

sell maybe once a couple of weeks - once a month

And if you only had those items which were only selling

once every couple of weeks once every month -

your eBay accounts never ever going to get going - so even when you've got an established account you want a mix of both and

probably a mix of 75 /25 75 % items that are low ticket items that

sell all the time

We have got one guy in our group

selling 50 items or so a day and they are low profit items

Low margins. That's his business model. That's what he works at and it's providing him with a very good income

So just be mindful of that. Be mindful also if you're selling in the UK on VAT

because

You need to be VAT registered

I think it says over 85,000 turnover

so if you've got a load of items that you're selling and

high ticket items that you're selling you're going to reach that turnover really really quickly

and

probably make less profit getting there. So be mindful of that as well. I sell in the US as well as the UK

And in the US obviously, there's no VAT, but there is sales tax

So that is something to have a look at. Being again with the suppliers that I use I very rarely pay

sales tax so

we're looking at that as well, so I hopefully that has answered your question

Sam - Samuel let me know if that has helped you at all in any way

And once you have exhausted all the Prime training, and there is loads. It's over 75

videos and all software and tools that you need in Prime

including all the training. That's in the

Saturday archive. Once you've gone through that - once you've exhausted all the strategies that are in there

then by all means move on to Surge, but don't there's so much information there, that's going to get you into profit

And going make you a really good income prior to having to go into Surge, but Surge is great - absolutely great

Within three to four months --You've exhausted all the strategies

You've got your account up and running you're doing really well and move on into Surge and get the advanced strategies

Make sure that you're utilizing cashback

We do go through cashback in the Surge training, but use your cashback to get cash back straight from day one

You can get your link - if you're in the group make sure that you can get your link from whoever introduced you to the group

Any of my guys - Samuel you're one of mine and please a take the link for top cashback

I'll put a link below in the comments and

use that because that's going to really help you with your profit margins as well

Because you're just getting free money back every time you sell an item

All right now. Just check my notes -- was there anything else that I needed to to say to you on that

I don't think so. I think I've probably

exhausted all of that just seeing who's joined or I've got Eliza on here and George - Hi. How you doing?

My lovely VA

Is also on. You should be in bed. It's very late over in the Philippines

Okay and

So listen

This is going to be really short and sweet. I'm actually off to the spa to join my daughter celebrate her birthday

so this is going to be a quickie and

I will be doing more of these so get your questions in and I'm more than happy to answer them live. Alright

I will speak to you very soon. Take care bye for now

For more infomation >> Dropshipping On Ebay & Amazon- Should You Sell High or Low Profit Items - Duration: 7:42.

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Nintendo Labo Arcade Concept - Jump Game - Duration: 1:31.

(Piano only used as a stand)

So. much. code.

Most of the bottom left corner was dedicated to jump mechanics

Right side for scoring

A to jump, height varies based on button press duration.

Lots of slow fading going on in the moving light nodes, unfortunately cannot be changed.

Makes the game harder I guess?

Collision is only measured at the front end though

1 point for every successful jump.

Another for jumping maximum height and hitting the hidden coin block

10 points to level up & increase speed

1up!

Will you play it safe or go for gold? (and speedrun time?)

Highest level is 5

At level 5, you must hit the coin block 10 times to win

[Slow fade intensifies]

Like the intense music?

You did it!

#smash2018

For more infomation >> Nintendo Labo Arcade Concept - Jump Game - Duration: 1:31.

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How to Add Isolate Color & Vignette effect to Your Videos - Adobe Premiere Pro - Duration: 3:28.

Hey, hey, heyyy what's up everybody welcome back to another premiere pro tutorial

so today, we are talking about

Isolate color effect, so let's do this

So this is my video right here

Okay, so I'm going to pop out this color right here, and the rest of this color going to be black and white

So what I'm going to do

Go to effects and type lumetri color

There we go

Drag this into your video right here

Okay

now

under basic correction

Set saturation 0

There you go now

under this lumetri color, pentool right here click it

I'm going to draw a mask

So select your point for this flower right here. I'm going to draw a mask

As you can see now our flower looks black and white

We need you inverted for doing this go to mask

Inverted check it

So now we are going to animate each frame

Under mask did you see the mask path right here. Set a keyframe

Okay

Now we are going to animate each frame click this track selector mask forward right here

Click this and now the software itself is going to animate each key frame

So hear me out guys for this particular video my subject is staying still

So I don't need to manually

animate each keyframe

So if your subject is moving anything like that you need to manually

animate each keyframe all right

So now we are going to add some vignette to this video right here for doing this

Under lumetri go to vignette right here click this icon right here

Okay now

Set a keyframe for amount

Now set it to -5

Ok if you increase it is going to change to white. we don't need it, so

Set it to -5 and now we add some roundness set a keyframe

Change it to

All right

So now we get a beautiful Isolate color effect

That's it for now guys. Hope you guys like this video if you like this video hit that like button

If you want share any comments comment down below

And if you are new to this channel and enjoy this kind of videos hit the subscribe button and I will see you guys

on my next video

For more infomation >> How to Add Isolate Color & Vignette effect to Your Videos - Adobe Premiere Pro - Duration: 3:28.

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Save The Children - Duration: 3:29.

Give the children

'a hope'

Give the children

a home

Every child is your child

You save one

you save the nation

Give the children

a home...

Take a look around

The homes and the street

You'd see children

abandoned forsaken

off direction

Take a look around

the homes and the street

you'll see beautiful children

forsaken and in need