Waching daily Feb 20 2019

The tiny house movement is booming.

But, before you go off and purchase yourself the smallest space you can squeeze your whole

life into, there are a few items you might want to consider.

Here are the best and worst things about tiny living.

"This is kinda awesome…How long are we here?"

Utah residents Meg and Dan Stephens live in a house that's just about 150 square feet.

But homes that have a tiny footprint can have big impact on the environment.

According to Deseret News, the Stephens family designed their home so that it can run on

less than 20 amps of electricity, which, according to Dan, is "a standard exterior outlet."

Another tiny house owner, Ivor Berry told the publication that he designed his 120-square-foot

home to be "completely self-sufficient for about a week and a half."

No electricity, no water no problem!

At least for a week.

"It actually runs on a biofuel made of 80 percent coffee grinds…this entire home is

powered by coffee.

Kinda like me"

Even if you were to build a tiny home with conventional, non-green materials, it would

still make less of an impact on the planet than traditional construction.

Tiny homes require fewer building materials and are environmentally friendly compared

to "regular" homes simply because they are you guessed it tiny.

While tiny home owner Susan Parrish ultimately feels that sharing her micro home with her

partner has made for a closer relationship, the experience hasn't always been fun.

She admitted to HuffPost,

"Sometimes everyone needs a little personal space, and that's hard to find in 323 square

feet.

[…] If [my partner's] watching a movie that I don't care to see, I go lay in bed and read."

Even using the bathroom can be a challenge in a small space.

The YouTubers behind the channel Live Light with Wildland Organics admitted that the quote

"pooping privacy, or the lack thereof" is one of the worst things about tiny living.

"The truth is hearing each other's poop sounds is a daily affair.

Poop sounds."

Luckily, they've come up with a solution.

"Whenever one of us feels a rumble in the jungle, all we have to do is say, Hey Alexa,

play the poop playlist."

In an interview with Tiny House Crafters, Justin Gibbs revealed the reason why he and

his partner, Danielle, chose to embrace the tiny house movement, citing,

"Strides towards financial freedom with an understanding of fiscal responsibility; these

elements blended with a desire for more independence in how we choose to live."

But the couple aren't the only ones who have realized the financial freedom that comes

with living small.

Just six months after moving into her 250-square-foot tiny home, Alexa Nota recognized how much

money she was saving, telling Travel Well,

"When comparing rent and utilities in our previous rental home to the equivalent expenses

in a tiny house, we cut our costs more than in half."

She also revealed that most additional expenses will be paid off in "less than three years."

Compare that to your traditional 30-year mortgage, and tiny house living is much easier on the

wallet.

"I think tiny can definitely accommodate a simpler life, a much more curated life, where

you actually have more freedom, more wealth, more money to do whatever you wanna do"

Think about your future.

If you plan to have children or think that you'll be caring for your parents someday,

you might scour listings for homes with more bedrooms than you currently need.

But tiny houses aren't exactly known for having extra space.

Jenna Spesard revealed on her site,

"As I evolve in my life and I start to think about having children, I just don't think

I could do it in my current Tiny House.

In a regular foundation home, you could potentially expand.

My house is limited by the size of my trailer."

While she admitted that she knows other tiny house dwellers who have children, she recognizes

that those families specifically "designed their homes for that purpose."

"Family time is 100 percent of the time.

Hate cleaning your entire home?

What if you were to shrink your house to, say, 250 square feet?

Alexa Nota explained,

"It takes us about 20-30 minutes to organize, fold and put away laundry, sweep and do dishes,

compared to two or so hours to complete the same tasks in our previous homes."

And Susan Parrish revealed to HuffPost,

"Cleaning the house takes minutes, and that makes more time for our adventures."

But not all chores are such a breeze.

Mobile tiny houses are designed to be used without tying into a waste management system,

per AOL and many tiny home owners rely on composting toilets.

Since there's no sewer or septic system to whisk the "contents" away, homeowners are

tasked with doing it themselves.

Allen Johnson told Travel Well,

"Emptying the toilet is of course not something I look forward to doing.

You have to deal with a lot of s--- in life, and sometimes it's actual s---."

Jenna Spesard also revealed that composting toilets can lead to some awkward conversations,

saying,

"When I have guests over, I have to explain how to use the toilet.

What's the last thing you wanna do at a dinner party?

Discuss toilet matters"

Despite tiny homes' growing popularity, it can be hard to find a legal place for such

a house, according to PBS NewsHour.

Some towns specify that homes must meet minimum square footage requirements, while others

require the units to use public utilities.

And it's not just city officials who fight the tiny house movement.

After developer Kelvin Young mapped out a housing development of tiny homes in Charlotte,

North Carolina, neighbors asked City Council to interject, nervous that their property

values would tank, according to The News & Observer.

Young told Fox Business,

"You can't compare a house that's built in 1959 that's 1500 sq ft to a house that's 700

sq ft new construction"

For those who own tiny houses on wheels, it can be equally difficult.

Alexa Nota revealed that zoning officials demanded she move her tiny home, which is

classified as a recreational vehicle, after she appeared on an episode of Tiny House Nation.

Although she claimed that it wasn't a "big deal" at the time, she added,

"What's more challenging, however, is that we won't always be classified as an RV as

different municipalities' codes are all different."

"When people are thinkin about going tiny, they really need to think about what's important

to them, what they have to offer to the world, and what the world has to offer to them"

Check out one of our newest videos right here!

Plus, even more List videos about your favorite stuff are coming soon.

Subscribe to our YouTube channel and hit the bell so you don't miss a single one.

For more infomation >> 3 best And 3 Worst Things About Living In A Tiny House - Duration: 5:46.

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MANIFEST With Sleep Programming & Subliminal Gratitude Affirmations, Attract Wealth & Abundance - Duration: 8:00:16.

Welcome to Growing Forever.

Being grateful is the most powerful thing you can do right now to dramatically change your life for the better.

Feeling gratitude will instantly change your thoughts and your state of being from negative to positive.

You can overcome anything, and manifest anything, simply by being grateful.

At first, you will hear the affirmations. But after a few minutes, they will fade to the subliminal level.

Listen to these affirmations every day for best results.

Now relax, close your eyes, and begin to breathe slowly and deeply.

With each breath, let your body relax.

The ideas you are about to hear will become your own.

There is no need to say awake.

The powerful affirmations will be absorbed by your subconscious mind, even while you sleep.

So now relax, and breathe.

And allow the affirmations to work their magic.

I appreciate everything I have in my life, and always keep the door open for more.

The universe supports me, and all that I desire.

I am grateful for my wonderful life.

I am grateful for all the technology that makes my life easier.

I see the beauty in nature that surrounds me.

I feel gratitude for everything.

I am thankful, because life is a rich experience.

I am grateful for my wonderful health.

For more infomation >> MANIFEST With Sleep Programming & Subliminal Gratitude Affirmations, Attract Wealth & Abundance - Duration: 8:00:16.

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Adpocalypse 2 and The Guy Behind It... - Duration: 10:30.

For more infomation >> Adpocalypse 2 and The Guy Behind It... - Duration: 10:30.

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Understanding where lack of motivation comes from - Duration: 7:33.

Hi Everyone, it's Claire Rogers from iTopia coaching. Welcome back to my YouTube channel!

Thank you very much for tuning back in.

So, this week I want to talk about motivation and in particular I want to talk about what causes

lack of motivation. And, the reason why I want to talk about this is because in addition to being a coach

I'm also a keynote speaker and

when I go to events, and I give my keynote speech,

inevitably I end up talking to several hundred people afterwards and I'm noticing a common theme.

Quite often people will tell me that they are stuck and in a rut, and they will proceed to tell me

what is challenging them in life.

but when I start talking about some of the suggestions of how to get out of the rut I

can kind of see them closed down and a few people, well actually quite a few people along the way have said to me it

seems like just too much hard work to actually get out of the rut. So I've been thinking about this...

you know, why is that some people are

satisfied to stay the same knowing they're unhappy, rather than put in the hard work.

So, I've been doing some research and I want to share some tips and tricks to

get out of that feeling of not being motivated.

I think one of the problems is, is that unfortunately in society we seem to be addicted to instant gratification

We seem to be bombarded, especially in social media with instant quick fixes

And you know, how many times do you see people say just change your mindset?

You know what?

I've been a coach for

several years now and I still haven't found that little button that you find somewhere in your brain that just switches your mindset. It takes

a lot of hard work and I think unfortunately

people are looking for that quick fix and that magic pill that is just not available. And so they are not

understanding

that it is going to take work to get out of a rut. The other problem is that

unfortunately, sometimes we can find ourselves stuck in a rut for a really long time. It could be months. It could be years

and so we are stagnating in life. And so we can't even envision another way because we're used to what we know. So

this is where I'm going to come in and I want to give you some tips so that if you are feeling

really stuck and you just don't even know where to find the motivation or to even understand

what is kind of stopping you from getting motivated to make changes in your life?

and I want you to grab a pen and a piece of paper and

and I want you to make a list for me. And the list I want you to make is

What are you tolerating in life?

things that you could be tolerating are things like,

obligations... things that you say yes to but really you meaning no and you don't want to do these things.

It could be our work environment. It could be a co-worker

a colleague. It could be a boss that you don't get along with it, it could be your home environment. Things are not working

well at home, it could be things that are broken and need to be fixed in your home.

It could be a cluttered office or a cluttered house

It could be a lack of exercise. It could be a

poor diet

poor sleeping patterns

Make a list for me of all of the things that you feel as though you are tolerating in life

And, now I want you to, once you've made that list and I want you to do a really deep dive

I don't want you to do it in just two minutes. I want you write down everything that you feel as though you're

tolerating and you're not happy with the life and

now next to that list, I want you to write down

Why you are tolerating these things?

Okay, so now that you've done that I want you to look at your list and I want you to circle all of the things

that you're tolerating that you don't technically need to tolerate.

So, you don't need to tolerate a messy house. You don't need to tolerate a cluttered office.

You don't need to tolerate spending time with someone who is an energy vampire and sucks your energy dry.

You don't need to tolerate a poor diet.

You don't need to tolerate a poor exercise regime for example.

I want you to look at that list and circle all of the things that you're tolerating that you don't need to tolerate.

Okay, so now I want you to look at the list and be very honest with yourself and write down

where your excuses are...who are you blaming?

what are your excuses for tolerating certain things that are prohibiting you from making changes and

I want you to ask yourself

How is it serving you to have these toleration in your life?

How is it serving you to have these excuses? I'm gonna answer the question for you now. So any

tolerations on that list are

giving you an excuse and

justification to stay the same.

To stagnate and to be stuck in a rut and

that is where your lack of motivation can be found. It's in your excuses and

This is something that I've learned in my coaching practice... is that when you lose your excuses you find your results and you find your motivation.

now I

would probably bet that somewhere on that piece of paper or somewhere in your thoughts, you are thinking that

you don't have time. You don't have time to try and get out of a rut. You don't have time to

get rid of the things that you are tolerating.

But here's the thing...I think when people say they don't have time

it's really a way of saying I can't be bothered or I

won't make it a priority. I'm not saying that

we're not all busy people. Everybody's really busy. But I look at some people and they've got a few kids,

they might have a couple of jobs, but they still seem to find the time

to live a happy fulfilling meaningful life where they are not stuck in a rut. So I want you to think about time...

Have you written anywhere on your paper that you don't have time?

to exercise?

or you don't have time to

look for a new career? or make career moves? or go back to school?

I want you to find out where your excuses and your justifications are.

And once you do that,

you'll understand where the lack of motivation is coming in. I want you to ask yourself the question

Is the pain of staying the same,

Is the pain of being stuck in a rut and stagnating in life or feeling like you are spiralling out of control...

Is it worth it? Is it worth the excuses and the justifications?

I'm hoping that you're going to say it's not worth it and

that you do want to get out of that rut and you want to find your motivation.

So, this is a really huge comprehensive subject and

I read recently that the average person can only watch a video for 10 minutes of time before they get bored,

So, I'm going to have to break up this subject into a few different videos.

So, I'm going to leave it at that for now. Next week

I will be talking about how you develop motivation now that you have understood what is causing the lack of motivation.

I will do a video next week to help you develop

motivation to build your dreams going forward. I hope this video is really helpful as always

please give me feedback or leave your message below. Thank you!

For more infomation >> Understanding where lack of motivation comes from - Duration: 7:33.

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Wood Science Program - Duration: 4:56.

The wood products industry in Wisconsin is a very big part of the economy.

As the world is developing, everybody wants to go greener with all their products and

wood is definitely a green product.

It's constantly growing with how can we be

more efficient and how can we be better for the world around us today.

People that manage the forests aren't just cutting down trees and walking away.

They're all about replenishment. So, we actually grow more trees we harvest now

which is a completely amazing accomplishment.

Overall people don't realize the amount of impact that wood science has on their life.

I was one of those kids where I maybe said four words on the first day.

NTC gave me the confidence to go into a place and know what I'm talking about

and talk to somebody about anything.

What I liked most about that wood science program is the hands-on learning.

The majority part of our learning is out in the shop floor

and you're running the machinery. You don't spend a whole lot of time in the classroom

but the time we do spend in the classroom is very important.

I like that there's a lot of problem-solving and here's what we have going on

and how are you gonna figure out a way to make it better.

For me, really understanding something is being able to take it apart put it back together.

You're continuously doing that in different ways throughout the program.

There's a lot you can learn, there's a lot you decide to do.

I mean, if your thing is you like working with metal then you can grind knives all day.

If you want to be out in the field studying

trees and learning how they grow and preventing forest fires and all that stuff

there's that wide range of opportunity. If you want to work in a pulp and paper mill and

learn how to break down wood to the cellular level and make a completely new

composite out of it you can do that too.

The most valuable skills I've learned is

problem-solving, working as a team with other people, patience and working hard to get everything done.

We have older people and younger people so

you kind of get a good variation there of who you get to work with

and it kind of really opens your eyes to what different people and different groups have to offer.

My most valuable skills I've learned is how to operate all the

machinery in the wood products industry.

Identification of wood species, what is the difference between green lumber and kiln dried lumber. How do you identify

different defects and species, what are the characteristics.

We learned how to grade hardened lumber, how to make sure that for whatever purpose you're using the lumber

for you're putting in the proper grade lumber for that.

The shrinkage of swollen wood and how to calculate how much something is going to shrink or swell due to moisture content.

We also break lumber for testing the mechanical properties of wood.

NTC opened the door to a lot of employers. I had about six or seven different job offers.

I am gonna be going to Minnesota where I'm going to be working for a

rather large company and I'm going to be working into a supervisory role where I

will be working with custom commercial concrete forms that are actually made out of wood.

I found this place pretty close to my hometown and so I contacted them

and I went to meet the owners and I interviewed and they created a job for me.

My title is a wood technician so I'll be in charge of all the machine centers,

soft wood grading and quality control. I'll be working with the plant manager

on lean manufacturing as well.

This summer I'll be working at Louisiana Pacific as a quality control intern.

Louisiana Pacific makes smart side siding, which is an OSB composite.

What I'll be doing there is testing the strength properties and shrinkage and swelling.

This summer, I'll be working at Granite Valley Forest Products

and what I'll be doing there I'll be floating

through the operation, learning different parts of the operation so I can get a

better handle on the industry as a whole.

NTC puts on a job fair for just the wood science department so that was really helpful

and Granite Valley Forest Products was one of the employers there

so that's actually how I got lined up for my summer time job.

Without the wood science job fair, there would have been no way

that I would have been able to found the opportunities that I did.

I actually do have a summer internship coming up with Universal Forest Products.

They have over a hundred mills. They asked me where do you want to go after I'm done.

Obviously this is summer internship but the idea that I

can move to a different country after I'm done and just get a one-way ticket is amazing.

For more infomation >> Wood Science Program - Duration: 4:56.

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Why does light slow down in water? - Duration: 10:24.

The internet is a very powerful tool, putting the knowledge of humanity at our very fingertips.

However, the internet is also a source of misinformation.

You can hear all sorts of explanations, stated authoritatively, and with good intentions,

but also utterly and totally wrong.

So, in this video, I thought I'd address a common one and give a correct explanation

for why light slows down in water.

Actually, that's just a catchy title.

I want to tell you why light slows down in any transparent medium- certainly water, but

also glass, plastic, and even air.

If you ever took a physics class, you learned about the index of refraction of a material.

The index of refraction is just a fancy term for how much light slows down in that material.

The index of refraction, always written as little n, is a number greater than one.

And the speed of light in a material is just the speed of light in a vacuum, divided by

the index of refraction.

I put a table here to give you a sense of how much light can slow down in common materials.

This slowing down is the reason that objects look bent when stuck in water.

It's because the path that light follows bends when it enters or exits water.

It's the reason that you can get pictures like this one here.

And I should let you know that no physics teachers were harmed in shooting that photo.

There's a ton of interesting phenomena I could show you that arises because of the

index of refraction and the slowing of light, but I want to focus entirely on the slowing

thing.

So, to do that, let's look at this animation.

So suppose you have a piece of glass with index of refraction equal to 1.5.

That means that light will travel at 2/3 the speed of light in the glass.

If you shoot a laser at the glass, the light from the laser will travel at the speed of

light until it hits the surface of the glass.

When it hits the surface of the glass, the light will slow down to 2/3 its original speed

and it will change its direction.

Once the light gets to the other side of the glass, it will emerge from the glass, change

its direction, and move again at the speed of light.

That's what happens.

In addition, the light emerging from the glass will travel in exactly the same direction-

well, more precisely, in a path that is parallel to the direction of the incident light.

The path is offset a smidge to the left, but the angles are the same.

So that's what happens.

It's been tested and there's no debate on any of that.

So now for the real question.

Why does the light slow down?

And how can it speed up again when it leaves?

There are two very common explanations that you find on the internet and both of them

are completely wrong.

Let me tell you them first.

The first one makes kind of some sense.

It's wrong, remember, but it does make sense.

It's the idea that light scatters off atoms as it passes through the glass.

The light hits an atom and goes careening off at an angle, then hits another atom and

careens off at a different angle.

Light always travels at the speed of light between atoms.

That process occurs again and again as the light passes through the glass, but let's

focus on just these two scatters to see how the explanation goes.

If we take away the atoms, we can see the important bits.

There is the actual path traveled by the light in this scenario, which we can compare to

the straight line path.

If we straighten out the actual path, we see that it is longer than the straight line one.

And, if light travels at the speed of light in a vacuum between scatters, we see that

it will take longer that it would take if it went the straight line distance.

Taking longer is another way of saying effectively going slower.

And this is how some people explain the effective slower speed of light in glass.

So how do we know it's wrong?

Well scattering isn't a precise process.

Light can scatter in lots of directions.

For instance, it could have scattered like we see here.

This is a much more serious scatter, with a much longer path, and consequently, light

would effectively be much slower if this happened.

Furthermore, there is no way to guarantee that the light would end up back traveling

in the original direction.

In fact, if light did what is being claimed, it wouldn't follow the path we observe.

Instead, light would come out of glass with a range of velocities and a range of angles.

This idea just doesn't work because it doesn't make correct predictions.

So, no good.

The second wrong idea is that light is not scattered, but rather that it is absorbed

and re-emitted by atoms.

Between atoms, the light travels at the speed of light in a vacuum.

The amount of time the atom takes to absorb and emit the light seems to slow the light

down.

You can see what I mean in this example here.

The speed of the photons while moving is always the same, but the time taken during the absorption

and emission makes the solid line take more time than the dashed one.

This effectively makes light slower.

Now this idea, while sensible, is also wrong.

Let's see why.

The problem is that when an atom has been absorbed by a photon, it doesn't remember

where the photon was coming from.

And when it emits a photon, it can do it in any direction.

So what really would happen in the absorption/emission case is something more like this.

The photon would be absorbed and reemitted in a willy-nilly direction.

In the end, the passage of light through the material would end up looking like this, which,

well, isn't what we see.

So, if neither of these ideas work, what does?

First, I should say that these two ideas kind of have buried deep at the bottom of them

the idea that light is a particle.

However, the reason that that light slows down in material is better illustrated if

one embraces the idea of it being a wave.

There are many properties of a wave, most importantly, the wavelength.

The wave oscillates up and down, with a separation between peaks and a time between oscillations.

A second important property is what we call superposition, which is just a fancy way to

say that you can add them.

And adding them is easy.

You just take the height of the two waves and add them together.

If the two waves are lined up so the peaks are at the same place, the result is a single

wave with a higher peak.

If the wave is lined up so a peak corresponds to a trough, then the two waves cancel.

And, if one wave has a different wavelength than the other, you end up with a funny looking

shape.

That's just how it works.

It gets more interesting when one wave is moving at a different speed than the other

one.

The result is a different wave, but one that has a different speed than either of the two.

That's super important, so let's just take a careful look at it.

If we add the two top waves, which have different speeds, the bottom wave also moves, but slower.

So let's get back to light moving through glass or water.

Remember that light is a wave of electric fields.

It oscillates with a characteristic wavelength and frequency.

That wavelength depends on the color of light, with blue light being about 400 nanometers

and red light being about 700.

The numbers don't matter as much as that you remember that light is changing electric

fields.

Now of course glass is made of atoms, which are surrounded by electrons.

Electrons have an electrical charge and that charge feels a force from the oscillating

field of light.

Because it feels a force, the electrons move.

But moving electric charges also set up their own oscillating electric field.

Said simply, the oscillating electric field of light makes electrons move which make a

second oscillating electric field.

And, if you have two oscillating electric fields, that's two oscillating waves and you

can add them together just like we saw before.

The net effect is that the two waves combine and make a single wave of oscillating electric

fields.

And that is the wave that moves through matter.

And- and this is important- it moves at a slower speed than light does in a vacuum.

This also explains something that many people were confused by.

Most people were willing to accept that passing through glass would slow down light.

But they were very puzzled about light speeding up when it left the glass.

That seemed like it created energy and, well, that didn't make any sense.

But now I hope it does.

Before light hits the glass, it travels at the speed of light in the vacuum.

When it passes through the glass, the light causes the electrons to move and generate

a second wave that adds to the light.

Light still moves at the speed of light in a vacuum, but the wave from the electrons

move at a different speed, and the combined wave moves slower than light would if the

atoms weren't there.

Then, when light leaves the glass, there are no atoms around to make electric fields to

add to light and then light speeds along at the preferred vacuum speed.

So that's it.

Light effectively travels slower through material because when it is in material it generates

a second wave that combines with light and the combined new wave moves slower than the

familiar speed of light.

Ta da!

Alright, so tell everyone.

This is something for which you often hear wrong explanations on the internet.

But now you know and that means you're eligible for membership in the physics cool kids club.

Well, that was pretty awesome.

I hope you remembered to like, subscribe and share.

I always love to find out the underlying answer for how things work- especially when you often

find wrong explanations online.

But, as is often true, the way to find out the right answer is to learn some physics,

because, well- as I'm sure you'll agree- physics is everything.

For more infomation >> Why does light slow down in water? - Duration: 10:24.

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How influential are you being - be clear and be aware | CFO conversation #024 - Duration: 5:42.

For more infomation >> How influential are you being - be clear and be aware | CFO conversation #024 - Duration: 5:42.

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Cool as you like from Raheem Sterling to snatch Man City winner at the death in the Champions League - Duration: 1:30.

For more infomation >> Cool as you like from Raheem Sterling to snatch Man City winner at the death in the Champions League - Duration: 1:30.

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Squaring the circle of the team. Introduction - Duration: 8:49.

For more infomation >> Squaring the circle of the team. Introduction - Duration: 8:49.

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FOX TV - Does ethical investing really make you money? - Duration: 15:28.

Ethical funds are increasingly popular with 56 per cent of UK investors having upped their allocations to them over the past five years, according to fund house Schroders

   Such funds are increasingly popular, with younger generations placing greater emphasis on a socially responsible approach to investing, but also big investors – such as pension funds - seeking to back an ethical stance

   But can you really achieve healthy returns by investing with an ethical slant? We take a look

  There's now a plethora of investment opportunities under the ethical banner to sift throughWhat is ethical investing?   Ethical investments traditionally excluded companies that make weapons, partake in animal testing or invest in the gambling industry

But backing investments that can be a force for good is not just about the traditional notion of ethical investing - avoiding sin stocks, such as tobacco and arms firms

The world has moved on and investors can now back the companies shaping the future world we will live in and doing business in a better way, through impact investing and environmental, social and governance (ESG) factors

These are the companies picking up on the desire of governments, global organisations and individuals, to improve the world - ranging from the rise of electric cars, to having enough water and cracking down on plastic waste

 The argument for this approach is simple: investors can use their cash to influence companies to be more socially and environmentally responsible – and profit from future trends

   RELATED ARTICLES Previous 1 Next Getting richer is easier than you think! Top tips to get on

Quite contrary. the fund managers who pick stocks the. The return of the Pied Piper

with a £100 million new. SIMON LAMBERT: It's hard to get interested in exit. Share this article Share 15 shares HOW THIS IS MONEY CAN HELP How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms Do ethical investments offer good returns? It depends on who you talk to

 Yes, going by the latest index statistics. Leading ethical stock market indices have beaten their non-ethical peers over five years

Across the Atlantic, the FTSE4Good US Index returned 155 per cent compared to 129 per cent for the S&P 500 over five years to 28 September 2018

GOOD MONEY WEEK This week is Good Money Week, an independent campaign run by the UK Sustainable Investment and Finance Association attempting to convince people that the only way is ethics when it comes to investing

 The theme of this year's campaign focuses on the barriers preventing women from investing

The cold hard fact is that fewer women invest than men. Women take out a fifth fewer stocks and shares Isas than men, according to government figures

Yet the need for the better returns that investments could provide is arguably greater for women - given that they live longer, earn less than men on average and often take breaks in their careers

A poll by DIY investment platform Hargreaves Lansdown found that only one in five women is fully confident about their financial future

The study found a lack of knowledge was the most common barrier to investing.The second biggest barrier is an aversion to investment risk

Sarah Coles, personal finance analyst, at Hargreaves Lansdown, said: 'On average women have lower, less secure incomes than men, so some struggle to find the money to invest

'However, they have 19 per cent more in cash Isas than men do, so there is some money available somewhere

It means there may be more to this than simple affordability.'  The performance gap is even wider over 10 years (349 per cent versus 297 per cent)

In the UK, the FTSE4Good UK index beat the FTSE All Share Index, returning 43 per cent versus 42

5 over five years.The index of the UK's ethical stocks trails the performance of the FTSE All Share - but only by a tiny margin (136 per cent versus 134 per cent)

Adrian Lowcock, of investment platform Willis Owen, explains: 'Much of this has been driven by the performance of oil and mining sectors which have lagged the market over the past 10 years as well as, more recently the tobacco sectors

'Many ethical funds have no exposure to these areas and have therefore protected investors from the falls

'He adds: 'The evidence is growing that companies which behave responsibly and incorporate environmental, social and governance principles into their businesses are better custodians of those companies and in turn provide better long-term returns for investors

' Ethical bias could cost you returns It's not all rosy though. Research by research firm FundExpert suggests there is a huge cost for ticking an ethical box

Its study focused on the performance of ethical funds in the UK All Companies and Global investment sectors as 43 per cent of the 78 ethical funds in market sit in these Investment Association defined sectors

The firm's analysis found that if you had invested £100,000 a decade ago in the best ethical fund in the UK All Companies and Global investment sectors you would be £230,040 and £302,650 worse off respectively than if you'd put that money into the best unconstrained fund

 Furthermore, there are 17 ethical funds in the UK All Companies sector, which represents 20 per cent of funds of this type available to investors

Only one fund, Standard Life Investments UK Ethical, makes it into the top 20 per cent best performing funds in this sector over 10 years, achieving a return of 162 per cent

But the performance of the fund is 230 percentage points less than the 392 per cent return generated by Slater Growth, the best performing fund

When it comes to the Global sector, which holds 18 ethical funds representing 23 per cent of all ethical funds, none make it to the top 20 per cent list

The best performing ethical fund, F&C Responsible Global Equity, returned 186 per cent – 302 percentage points less than Baillie Gifford Global Discovery, which returned 488 per cent making it the top performer in the sector over the past decade

  Ethical investments typically exclude companies that make weapons, partake in animal testing or invest in the gambling industry

Who should you believe?Admittedly, we're not comparing apples with apples here. On one hand, you have a pair of indices tracking so-called ethical stocks

 On the other, you have research based on the performance of different ethical funds

 In truth, if you're genuinely wedded to the idea of investing in something that marries up with your ethics, a comparison between the performance of ethical investments against the unconstrained equivalents shouldn't really have much baring on your decision

You should instead focus on finding the best options from the pool of available ethical investments

There's now a plethora of investment opportunities under the ethical banner to sift through but they're not all the same, so it is important for investors to do their research before committing their cash

To help you on your way, we've asked Damien Lardoux, portfolio manager of boutique wealth manager at EQ Investors, to to recommend four funds for ethical investing

 Here are his picks:Hermes Impact Opportunities FundOngoing charges:  0.95%  Launched in 2017, the Hermes Impact Opportunities fund targets companies which are developing new solutions to tackle social and environmental issues

 With an aging population, a rise in the number of cancers and auto-immune diseases, health and well-being is a key theme within the fund

Allianz Green Bond FundOngoing charges:  0.47% The Allianz Green Bond fund offers an opportunity to invest in green bonds which are fixed income instruments where the proceeds are exclusively assigned to finance green projects in sectors such as energy efficiency, pollution prevention or renewable energy

FP Wheb SustainabilityOngoing charges: 1.03% The FP Wheb Sustainability fund looks to hold a portfolio of stocks from a universe of stocks that play into nine identified social and environmental themes such as resource efficiency, sustainable transport, education or healthcare

 We really like their commitment to measure the impact achieved by their investments

Threadneedle UK Social Bond FundOngoing charges: 0.45%  The Threadneedle UK Social Bond fund tries to achieve a positive social impact by investing in listed bonds issued by organisations that support socially beneficial activities and balanced economic development, primarily in the UK

 Key social themes include employment, education, social housing, transport and infrastructure

Ethics. What ethics? Not all propositions classified as an ethical investment are the same, so it is important for investors to do their research before assuming they subscribe to your version of ethical

There are three main strategies that have stemmed from the concept of investing in a way that has a positive impact on the world

 One of the most common forms of this is ethical investing - the practice of excluding controversial sectors such as tobacco and armaments as well as those involved in animal testing

Meanwhile, sustainable investing involves selecting companies for positive environmental, social and governance initiatives

Firms that reduce their carbon footprint and those with good corporate governance structure would make the cut

 Crucially however, this strategy does not factor in the impact of the product or services

Impact investing, on the other hand, goes a step further. This type of investing seeks out companies, organisations, and funds with the intention to generate social and environmental impact through their products, services and business practices

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For more infomation >> FOX TV - Does ethical investing really make you money? - Duration: 15:28.

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The Best Quality Photo Engraved Jewelry And Where To Get It (2019) - Duration: 1:36.

At Jewelry Keepsakes, it's all about quality. Unlike our competitors, all our

photo engraved pendants are made from solid stainless steel and not plated

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with the best quality possible. When you send us your photo,

our professional engravers edit and enhance your photo, removing any

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engraved pendant is designed to last for years to come. On top of all that, each

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Golden Treasures 14K Italian Gold DiamondCut Woven Band ... - Duration: 5:08.

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Choices: A Courtesan Of Rome Chapter 16 Spare Aquila {Diamonds Used} - Duration: 24:37.

Choices: A Courtesan Of Rome Chapter 16 Spare Aquila {Diamonds Used}

Choices: A Courtesan Of Rome Chapter 16 Spare Aquila {Diamonds}

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Chelsea news: 'Maybe he's coming to the Premier League' - Ruud Gullit makes prediction - Duration: 2:04.

 Simeone has managed Atletico Madrid since 2011, leading them to the La Liga title in 2014 and two Champions League finals

 He only signed a new contract last week to keep him at the club until 2022. But Chelsea may soon be on the lookout for a new manager, with Maurizio Sarri's long-term future in doubt

 And when discussing Simeone ahead of Atletico's Champions League last-16 first leg against Juventus, Gullit reckons the Argentine will end up in England

 "Maybe he's coming to the Premier League one day, we don't know," Gullit said on beIN SPORTS

 Former Manchester United striker Andy Cole was working alongside Gullit. And Cole reckons Simeone would be a good fit for Chelsea

 "That will be interesting to see him in the Premier League," Cole said. "I think he would [fit in at Chelsea], I think he would

 "It will be interesting what system he would play as well." Gullit reckons Simeone would want to play a similar formation at Chelsea as he does at Atletico

 But he admits he would need the right players in the squad to do that. "Oh he will do the same [4-4-2], I think so," Gullit replied to Cole

 "You never know of course because you need to play with the players that you have

 "If you don't have the personnel then you do something different."

For more infomation >> Chelsea news: 'Maybe he's coming to the Premier League' - Ruud Gullit makes prediction - Duration: 2:04.

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Twitch Prime Pack | (FREE) Apex Legends Packs - Duration: 8:38.

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Hydro Jet Plumbing Aliso Viejo CA 800-538-4537 Hydro Jet Plumbing Aliso Viejo CA - Duration: 1:19.

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mc the max - 넘쳐흘러 (After you've gone) 여자키 재도전.. [live cover / English subtitles] - Duration: 4:27.

[RETRY]

Leaving you behind, I'm letting our love go.

Our memories are overflowing,

But I'm nodding my head, saying it was just a dream

as if it doesn't exist.

Even though my leftover mind towards to you drives me crazy

I believe, there will be an end.

But still, you are there, end of that journey.

Sewing our torn relationship

But our story cannot be recovered.

The scar left on our heart

are too deep that they cannot be recovered

So I'm letting you go.

My tears drop onto my heart

And overflows

Someone like you over there

Is smiling at me,

But still, he is too far away from me.

My hands cannot reach.

Again, I fall apart.

I'm living with your trace

I miss our memories and love that has already ended

I hate that it makes me lethargic

To be honest, I don't wanna let you go

Sewing our torn relationship

But our story cannot be recovered.

The scar left on our hearts

are too deep that they cannot be recovered

So please leave me

seeya ^^

For more infomation >> mc the max - 넘쳐흘러 (After you've gone) 여자키 재도전.. [live cover / English subtitles] - Duration: 4:27.

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I TRIED GP BIKES - Duration: 2:01.

1'45.041

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Hydro Jet Drain Cleaning Aliso Viejo 800-538-4537 Hydro Jet Drain Cleaning Aliso Viejo - Duration: 1:19.

Hydro Jet Drain Cleaning Aliso Viejo

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While conventional snaking only pokes a hole in the clog, water jetting cleans out the

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Liverpool legend Graeme Souness SLAMS one part of draw against Bayern Munich - Duration: 2:01.

 The Reds were unable to break the German giants in a 0-0 draw at Anfield.  This puts pressure on Jurgen Klopp's side to score at the Allianz Stadium in the second leg

 One star who impressed fans was Jordan Henderson, who left the Anfield faithful in tears

  But Souness, who spent seven seasons at Liverpool, was disappointed in that aspect of the Reds' game

 Speaking on Virgin Media Sport, he said: "I'm disappointed in Liverpool's midfield

  "When you look at the start of the season he had [Naby] Keita coming in, he tried to sign [Nabil] Fekir and signed Fabinho

 "That told you he's not entirely happy with it and you saw that at the highest level

 "In the Premier League, the midfield gets away with steam-rolling teams.  "But when a little bit of class and cuteness is necessary, I don't think Liverpool had that in the midfield

" The 65-year-old went on to explain the tough challenge Liverpool face in Germany

   "Like every supporter, you would hope for some sort of advantage," Souness added

 "It's not the end of the world because [Virgil] van Dijk will be back. They could go back and nick it

  "But in Munich, he knows you'll go there, not have a lot of the ball and be on the blackfoot

 "He'll hope there lucky. Liverpool won't go there and boss the game." This comes as goalkeeper Alisson was blasted by fans tonight, with some comparing his performance to Loris Karius

  While Dejan Lovren was spotted doing something very strange at Anfield.