Waching daily Jan 26 2019

So it's 6:30 in the morning guys and it is 8 degrees over here it's freezing cold.

Right now I'm at Hazrat Nizamuddin Railway station. So our main motive

is gonna be to cover as much as possible in Delhi. So we are gonna

head towards Hazrat NIzamuddin Auliya Dargah.

So this is the Dargah of the sufi saint Nizamuddin Auliya. It is quite famous for featuring in famous bollywood movies

like Bajrangi Bhaijaan , Ahista Ahista and Rockstar.

So this is the tomb of the Mughal emperor Humayun and this was

designated a UNESCO World Heritage site in the year 1993.More over this complex

houses the graves Hamida Banu Begum , Dara Sikoh , Alamgir II and Farrukh Siyar

India Gate is a war memorial of 70,000 soldiers of British Indian Army who died in the First World War

The architecture is similar to that of Arc de Triomphe in Paris.

So now we're gonna take the purple line to reach the Red Fort.

So right now I'm inside the Red Fort Complex. Red Fort was the home base for

Mughal Empire for around 200 years until 1856.It was constructed by Shah Jahan and It

was designated as a UNESCO World Heritage Site in 2003.

So every year on the 15th of august that is the Independence day of India , the

Indian Tricolor is hosted here and there is a speech delivered by the Prime

Minister. By the time you guys watch this video it

is gonna be the 26th of January that is the Republic Day of India. I wish you

all a very Republic Day. Jai Hind , Jai Bharat !

For more infomation >> Delhi on 69th Republic Day | Hazrat Nizamuddin - Duration: 4:50.

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Fiduciary Rule Update - Duration: 3:33.

hi everyone Jason Kolinsky so I just want to give everyone an update earlier

in the summer I put a video out on the fiduciary role and that it was squash

killed gone the Department of Labor lost in court and I want to let everybody

know where we're at

so number one what is it fiduciary it's very simple when I

make a recommendation to you as a client I legally must put your interests ahead

of my own I cannot make a recommendation based off how much commission I'm gonna

make based off if I get a kickback from one of the vendors that I'm using or

what-have-you it has to be in your best interest and

I'm legally held accountable that's a fiduciary now as a certified

financial planner professional I am held to that standard however there are many

many advisers out there that are brokers that are not held to the same standard

they work off the standard of suitability as long as the investment

the product that they're showing you is suitable they're allowed to make as much

money as they want and they're allowed to make whatever recommendation that

they want so the purpose of the fiduciary role from the Department of

Labor was to close that gap that now everyone who's making recommendations to

retirement accounts IRAs 401ks those types of accounts has to act as a

fiduciary common sense unfortunately it was squashed in court but there's hope

so the SEC is working on now coming up with their own version of the rule which

will take over what was left by the Department of Labor so it's not going to

be exactly what the original rule was unfortunately but I'm hoping that it'll

be something along the lines of that it's called the best interest rule so

it's currently being kicked around they're working on it we don't

necessarily know if it's gonna end up law or not but the fact that it's being

discussed is a good thing so that's that's happening secondly the states are

all coming in and they're making their own version of the rule so currently

there's many a couple different states such as Maryland Illinois New York New

Jersey that have put their own bills in their state legislature about creating

some sort of fiduciary role for the for the residents in their specific state

now that's a good thing but what they're going to do is they're probably going

wait and see what the SEC does so the states don't want to put forth something

without having a good idea about what the SEC is gonna do right so they're

gonna probably stretch it out postpone it keep it kind of going and kind of you

know wait and see but the fact that they're talking about it is a good thing

I do believe that eventually at some point there will be rules put in place

that will start to require that brokers act in the best interest of their

clients and again it's obvious it's easy there's no reason why we're even having

this conversation but that's such as life so for now we need to stay focused

we need to stay aware educated and see what happens next so I'll be releasing

updates as time goes by as I collect more data more information let everybody

know what's happening but in the meantime I thank you all for being

engaged and watching the video it was one of our best videos to date and if

you'd like us to share more information about any topics at all let us know

thank you

For more infomation >> Fiduciary Rule Update - Duration: 3:33.

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Rising Rates? Market Volatility? - Duration: 3:50.

so I've been getting the question a lot what does it mean that interest rates

are rising and why is the stock market so volatile?

So let me try to explain it

very simply when the recession hit back in 2008-2009 the Fed had nothing to do

other than lower rates as low as possible by making it so that rates were

effectively zero it allowed for banks and institutions and individuals to

borrow money to spend in the economy more easily and that's why we've had

zero percent interest rates for almost a decade now the goal being to try to

stimulate the economy to get things going and get us out of the recession

which looking back now we know that that worked right the stock market's been in

the best Bull Run ever historically over these past nine years the economy has

been doing decent growing at a two-two and a half percent clip per year and

things are good well eventually you have to get away from zero right you can't

have things at that level forever so the Fed has to start increasing their rates

and now remember the Fed has two goals in mind full employment and two percent

inflation unemployment has been coming down more and more

right the unemployment rate is somewhere three and a half to four and a half

percent and inflation has been 2 percent or less but the Fed now starts to see

that inflation is creeping up ever so slightly and being that they can't keep

things at zero they have to start to increase so they're gonna do that and

what the stock market does is it always prices in the future economy before

anything actually happens so what I mean by that is as rates start to come up and

the Fed does their job eventually the economy will get slowed down by that

right if they make it more difficult for individuals and institutions to borrow

and spend and grow their businesses and go on trips and get a new car all those

different things eventually that does have an impact

economy and eventually there will be another recession so keep this in mind

the word recession is not a four-letter word it happens they're normal it's part

of an economic cycle but the stock market is pre pricing these things in

early because that's always it happens the market precedes the economy so what

we're seeing now over these past couple weeks is that there's fear of when the

next recession will hit what's going on with our economy what's happening with

China and the trade wars all these various things that create volatility so

I tell people don't get caught up with the short-term market fluctuations yes

eventually there will be a recession but I don't believe it's happening next year

or even two years from now the reality is corporate earnings are as good as

they've ever been the economy is now growing at closer to a three to

three-and-a-half percent clip we have tax reform that's just been put in place

that hasn't even had a chance to really show its full impact yet and overall the

economy is doing very well so keep in mind that a lot of this is just pre

pricing something that's gonna happen down the road and there's not any reason

to panic

For more infomation >> Rising Rates? Market Volatility? - Duration: 3:50.

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Ask for Help with Your Finances! - Duration: 1:25.

hi everyone Jason Kolinsky so we live in a world where you can google anything you

got to go to a doctor you google your doctor on WebMD you check them out you

look at the reviews you pick a doctor you want an answer to a question with

your friends you go to Siri you ask Google so I don't mind doing that and I

do it myself but when it comes to your finances you really need a human you

need someone that can sit down with you and understand what are your needs what

is important to you what are your goals and help you figure that all out there

is a science to it and there's an art and the computer quite honestly can't do

that so god bless all the people that want to do it themselves they want to go

to Vanguard and make their own investment decisions by all means go for

it but many many people and I would say

most need someone that can actually help them put their financial lives together

so don't Google how to create a financial plan call someone who knows

how to do it and I'm happy to help

For more infomation >> Ask for Help with Your Finances! - Duration: 1:25.

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分享的幸福 (附中文字幕) - Duration: 5:23.

Hello, We are Atomian Tube.

We always share good things with good friends.

Happy sharing with everyone is

better than having it alone.

Friends tried yummy food,

they will be highly recommended with us.

You read a good book,

you will introduce it to your friends.

We actually know how to share with others

when we were young.

These are just simple happy sharing

and have not produced any economic value.

We can make sharing

become more powerful and more valuable.

I want to share one thing with you ,

called "Sharing Economy".

"Sharing Economy"

can "reduce expense, increase income".

Atomy gives consumers the opportunity

to use good products.

When consumers use good products,

they can achieve "saving money"

+ "making money" at the same time.

I want to share with you about my daily life case:

I am using the "Atomy dish detergent",

one bottle can be used in my house for over six months.

Due to it is highly concentrate ,

it only takes one drop to wash all the dishes and pots.

One bottle for using over six months,

really helped me to "save money".

Every product of Atomy has point value,

and the points can be accumulated for money.

Therefore, when I order daily necessities

at Atomy online shopping mall,

I am also "making money" at the same time.

The happiest thing is that Atomy dish detergent

has taken care of my family's "health."

This is natural detergent that extracted

from natural plant citrus

and has 30 times the vitamin C of lemons.

The following is more specific description

of the economic value of sharing:

"Sharing Economy" means that

consumers can participate in the distribution of profits

through "sharing" while spending money.

For example:

A, B, C are all members of Atomy (Free membership fee)

A bought coffee (got 3900 own points),

B likes coffee and wants to buy

Through A's information sharing,

B bought coffee (got 3900 own points)

B also shared this information to C,

C bought coffee (got 3900 own points)

Except having 3900 own points,

A also got points for B and C.

B got own points 3,900 and got the points from C.

C got 3900 own points.

Through sharing and connecting with others,

the come out value is "Sharing Economy."

When you drink good coffee,

you feel good,

and you will feel want to share it with others.

Friends drink good coffee,

the mood will be very good as well,

and you will be happy they like.

When you think about others and help others,

if others are happy,

you will also feel happiness.

This makes "sharing" the most valuable.

This is also the most proud moment for

being Atomy consumers.

For more infomation >> 分享的幸福 (附中文字幕) - Duration: 5:23.

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Top 4 Financial Planning Tips - Duration: 3:08.

hi everyone Jason Kolinsky today we have your 2018 top four financial planning tips

so I've been telling you all year long you have to understand where your

money's being spent if you don't have a budget you might as well take your money

out and burn it because you don't know where it's going so if you haven't done

so yet sit down make a budget talk about what are your fixed expenses

what are your discretionary expenses especially with the holiday season

coming around you don't want to be in a position where you're loading up on the

credit cards maxing out dipping into savings put a budget together that's

number one number two for those that are over the age of 70 and a half I am not

telling you that you're old but the IRS wants to have some tax dollars so if you

have a qualified retirement account like a 401 K or an IRA you must make sure you

take out your minimum distribution there's an actuarial calculation which

it's not that hard to figure out if you work with a financial adviser like

myself we can certainly help you with that

but you need to know that it has to get taken out before year end otherwise

there could be big penalties up to fifty percent of the amount that needs to be

taken out can be a penalty from the IRS so RMDs required minimum

distributions don't forget number three charitable contributions charitable

giving so it's the holiday season generally everybody's in a good mood

this is usually my favorite time of year because everyone's just generally happy

when ten months out of the year some people are miserable now all of a sudden

Christmas and the holidays come around everybody's in a good mood whatever

charitable giving if you want to give some money away to charity make sure you

keep track of how much you gave make sure you can get a receipt if possible

you can deduct that from your taxes it's a itemized deduction you can you can

take it off the top put it give a thousand dollars away to charity you can

deduct that thousand dollars from your income taxes so charitable giving

consider it number four and finally tax lost harvesting so to make it simple you

have investments some are going to go up in value during the year some will go

down in value during the year it's a good time at year end to consider if you

want to sell any of the losers to offset any of the gain you may have from

selling something that went up in value so as an example I have investment

that's a thousand dollars it went down to five hundred I

sell it that $500 is a capital loss that capital loss doesn't just go away the

IRS lets you offset capital gains so if I had another investment that went up

from a thousand to fifteen hundred and I sell it I can offset those two so that

my net tax would be zero so tax loss harvesting is a great strategy so it's a

good time to sit back take a look at your positions your investments and find

out if you should be taking advantage of that that's your top four tips for 2018

let us know if you have any questions Thanks

For more infomation >> Top 4 Financial Planning Tips - Duration: 3:08.

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Recession? - Duration: 2:58.

hi everyone Jason Kolinsky so today I got a great question and it was what is

a recession

and so one of the things that's hard for people to understand is

that what we experienced in 2008-2009 was not a normal run-of-the-mill

recession that was a recession caused by a financial crisis it was in a global

meltdown of the world economy the recession was a part of it because when

the world was melting down obviously our economies slowed down and people started

losing their jobs and those sort of things happened which are part of a

recession but that is not what they normally are so a recession is very

simple it's a reset it's a time where the economy and we'll talk about just

the US for this example slows down for typically two consecutive quarters so

it's where you would actually see that the growth of our economy which is

sometimes measured as GDP or gross domestic product actually goes negative

or goes the other way it's a contraction it's a slowdown another way to define a

recession is when you would see that the unemployment rate goes up one and a half

two percent within a year's time those are indications of what a recession is

it doesn't mean that when the next recession comes that there's going to be

a financial crisis and a global meltdown that's what we experienced in '08 but

there's been other recessions that have occurred over the years and they're very

different so most of the time there's some sort of story some sort of issue

that leads to the recession or is part of the reason there is a recession but it

doesn't mean the world is coming to an end so if you're concerned about what it

means when we are when you're hearing on the media about the next recession

coming don't automatically think that that's going to be '08 what happened

at that time was the second worst economic condition that this country has

ever seen it was a Black Swan it was out of the

norm abnormal so whatever comes down the pike I'm sure it'll be something that

won't be fun for everyone and certain people might lose jobs and maybe the

economy slows down but recessions typically last for a

short period of time and then usually what happens after a recession is a period

of economic growth where it leads into a new good period of growth and the market

doing well and people getting jobs

and making more money

so that's what a recession is and I think

it's important we talk about it

For more infomation >> Recession? - Duration: 2:58.

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Qualified Business Income - Duration: 1:26.

Hi everyone so part of the new tax reform is that there's a new deduction

available for business owners of pass-through entities so if you own an S

corp an LLC a partnership or if you're set up as a sole proprietor you could

potentially deduct some of your business income and so what it's called is QBI

qualified business income depending on the type of entity that you have QBI can

be defined differently so for somebody who has an S corp as an example the

business profits so not the salary that you pay yourself but the profits that

you take from your business that would be considered qualified business income

if you're someone who's a sole proprietor it's the net earned income

from your business your sole proprietorship so depending on how

you're set up you now have QBI you could possibly deduct up to 20 percent of it

on your taxes and it's important for you to understand what it is so if you have

questions about it and need help reach out to me or any one out of Kolinsky

Wealth and we're happy to answer your questions

For more infomation >> Qualified Business Income - Duration: 1:26.

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15 or 30 Year Mortgage? - Duration: 2:45.

hi everyone Jason Kolinsky so I just got this question the other day what's the

best way to go a 15 year mortgage or a 30 year mortgage and I think that's

that's a great question you know years ago everyone thought that when you buy

your house it's an investment right that over time the value of my house is going

to go up 2-3% a year and eventually I'll have my mortgage paid off

and I'll have this big big nest thing and that's why we see so many of our

parents or maybe even our grandparents with huge amount of equity in their home

so I think a lot of that's changed right two reasons why number one rates are as

low as they've ever been to get a mortgage you can go out today and get

yourself a 30-year mortgage at probably somewhere between 4 and 5 percent most

of our parents bought their first home and were paying somewhere between 10

and 15% on their mortgage secondarily I don't really believe that the value of

homes are going up like they had been in the past depending on where you live it

could be different but I know for me in Bergen County I don't see the value of a

house going up 2 3 4 percent a year so I don't necessarily look at my house as an

asset so if I'm able to go to the bank and they're willing to give me a

mortgage for 30 years at four-and-a-half percent interest I'd rather let them

hold on to that mortgage pay my four and a half percent interest and most likely

I may not even live there forever whereas with a 15 year you're

essentially doubling your mortgage payment and giving the bank back their

money quicker so I am of the opinion that you're better off extending it out

borrow cheap money and don't give that let the bank hold on to that mortgage

which by the way they're gonna sell 30 times over anyway so it's not like

they're keeping it on their balance sheet and when I decide to sell my house

I'll sell my house or if I never sell my house I'll pay it off in 30 years but

the reality is I was only paying four four and a half percent interest so it

was cheap money so it's not as if I was losing out I'd rather take extra savings

invest it in the stock market invest it in some other type of investment

so to me I don't think it's perfect there are probably some opportunities

where a fifteen-year makes sense but in general I like the idea of borrowing

thirty-year money at low interest rates and let the bank hold onto it

For more infomation >> 15 or 30 Year Mortgage? - Duration: 2:45.

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I'm Almost Over You - Duration: 40:34.

For more infomation >> I'm Almost Over You - Duration: 40:34.

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Free things to do in Vienna | Baroque Architecture and Manicured Gardens - Duration: 5:28.

Hello and Welcome to Penning Silly Thoughts

I am Ajita and this is another episode of Travel with me series

So after spending an adventurous time in Bled

amidst nature, it was now time to explore the big city life of Vienna

So the city can be explored on foot or on bike and thats what I did on my day 1

I spent my first day in Vienna knowing the city more closely

strolling through its gardens and city centre

Day 2 was a little more packed starting with Schoenbrunn Palace Gardens

Now there is an entrance fees to the palace but you can roam freely in its gardens

and enjoy its architectural delights, including, fountains, sculptures

and of course the amazing city views

A must visit when you are in the city is the Naschmarkt

It is a diverse culinary market with cuisines ranging from Viennese to Indian to Italian

After that I went to St. Stephen's Cathedral

which is a magnificent, 700 year old church

Amazing Baroque architecture, it will just leave you spellbound

I took the 343 steps up the South Tower and it was a really nice experience

just twirling around stairs for almost 15 minutes

I ended the watching a beautiful sunset at Brigittenauer bridge over Danube island

Well guys, thats it

and I hope you enjoyed the video

There is a lot of free stuff to do in the city

and if you are inclined to explore more, do not hesitate to buy a city pass

its a much better deal

BTW did I tell you, I walked around 25 kms that day to just watch that beautiful sunset

Have you done something like this??

Do COMMENT in below, I would love to hear your crazy stories

Make sure to give this video a big fat thumbs up

and do not forget to SHARE and SUBSCRIBE

and I'll see you really soon. Bye!!

Guys, I forgot to add this as part of the main video

but make sure to check the blog post mentioned in the description box below

and it will have some gorgeous amazing pictures

so make sure to check it out. Until I see you next time. Bye!!