Thứ Bảy, 27 tháng 1, 2018

News on Youtube Jan 27 2018

naa yes cam what you sayin fam yo move init yo move out the way get on it I'm just been

shopping it cuz I'm on holiday in that few weeks so I'm like y'all mom leave it

to me yeah I'll feed your cats basic because basically right what I got in

mega pipe whiskers and that for the cats

no come on how do you do this then what is the

point of this it's give me the bloody give me the food in it don't care about

all this you know move to that some bullshit inconvenience right so what

we're gonna do we're gonna feed them like one each and it or two each someone

like that you'll get one for me for the ground yeah you got it all right sit

wait sit all right let's go feed a minute all right so what you see is got

the balls each and that got like three of them free Patsy yes you're what you

say what you say yeah see see pop it up pop it in there hey get a close-up for

this because it's actually really satisfying bit like I think this

actually talked about weight and sum it up look it up yeah look at that yeah I

reckon this is actually proper nice for Qatar site I love to just eat this stuff

every day longer here's one more all right now free mourn it but he's five

fat cats and I've got two kebabs waiting for and it's got one in it but basically

these cuts are lucky because they get to cuz its meaning I want fat and what you

know the kids I ever get hungry let's kiss me I do that I need that yeah shit

man Oh now will you kill mom's gonna kill me

I'll quit yeah put this bar

last one in it that's one pretty over one day you go me right there for ya

can't doing the same walk to D so what you do pop this in there and then pop it

with some new one out this bloody war we do one last week yes me yes have a

shower later then I had a few weeks I look at and Papa getting into it that

basically this kitchen is special you know why here

it didn't bend look run where's the VIN where's Ben hey and so ways have been no

way know why but right there me right there's Bob that in there yes me and

sick actually know where would recyclables in that go so I didn't is I

just thought moves on the side here like the boxes that I won't even use them now

it's probably on this idea but that's basically it let's base of yep well I

want to show you in it so mean Donna I'm gonna snapchat yeah Donny

dot wrap all I'll see you later in it Oh God do use permissions of it was are

these supposed to give us permission

For more infomation >> How to feed cats - Duration: 3:01.

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How to stop being bored and start being bold - Duration: 9:58.

When I was in the 6th grade, my friends and I,

at such a pivotal moment in our lives, realized how bored we were.

There was a lack of excitement in our adventures,

we had found that we had done everything we could possibly think of

to fill in an empty space of time.

We'd have sleepovers, play video games,

watch movies, walk around the neighborhood,

and even after all of this, we were still bored.

And the worst part about this

was that we knew that other kids felt the same thing, too.

So after talking and discussing amongst ourselves,

we realized that as much as we try to fix our boredom,

we weren't doing anything substantial about it.

That's why we decided that we wanted to make people laugh.

We wanted to make funny videos that joked about things

that no one really joked about.

We wanted to joke about our quirky, quiet town of Alton, Texas.

Now, I'd love to tell you that I'm here

to share that my videos have millions of views

and that I've sold tons of merchandise worldwide,

but unfortunately, like many of the ideas that we have,

we never made our videos, our idea, a reality.

I know right now there's probably at least one of you who's like,

"Man, this guy's depressing. Is he going to keep talking like this?"

But there's a reason.

As time went on, more and more of us left the group

until eventually all of us left the group.

All of us, except for one.

My friend couldn't let go of his idea,

so after we all left in the 6th grade, he decided to make a team.

Members would come in, and leave out, fluctuate,

he learned how to use complex computer software

and he learned how to work with cameras.

He would make videos on drama, comedy, things here and there,

and I didn't know any of this

because I hadn't seen or talked to him in six years.

My friend, the one who never gave up on his idea,

has now launched his own videography company.

Like him and the rest of the world, we all have tons of ideas every day.

And there was something different about him

because six years ago, my group of friends and I,

we all had the same idea,

but he was the only one who actually saw it through.

How many of you ever feel a drive inside of you

that tells you "Take a chance. What if? Why not?"

For many of us, while we're sitting down at work,

eating lunch or waiting to drift off to sleep,

we get a sense of that feeling, that drive that we had.

And then, after a few minutes of reminiscing,

we continue doing what we're doing.

For some of us, that feeling comes around often.

It makes us remember how we always wanted to start our own band,

take a road trip with our friends,

or even something small like clean up the trash in our local park.

And it sucks because the thing that you remember the most out of everything

is the fact that you didn't do it.

My friends and I, while we were in the process of making these videos,

we had so many opportunities to get something done.

I can remember how many times

an adult came up to us and told us,

"Hey, I actually might know some things,"

a kid would come and tell us, "I know how to edit videos,"

or even amongst ourselves, we would tell each other,

"You can come over to my house we'll work on it."

All opportunities that we never actually took.

As time went on, I realized that I had to stop giving up my ideas.

Years and years went by, and we never met up

I never had the opportunity to explore that idea.

I had many ideas each day, but they would all pass by,

until eventually, I came upon an idea that I couldn't afford to let go of,

an idea that I couldn't afford to regret.

That idea was the South Texas Ideas Festival, STXI.

I come from a place where typically youth are not encouraged to do better.

They are discouraged.

They feel that they can't do the things that many other people can do,

and this was a problem because we didn't want this to happen anymore,

we didn't want people to feel like they needed to leave our home

to do something better.

Our festival was student-led.

With a team of high school students,

we put on a festival that hosted 300 students from across our region.

And it was great, we received a ton of commendations for it.

And I know it sounds like an overnight success story,

but it really wasn't,

and one of the main questions that people would ask us was,

"Where did you get the drive to do this?"

When I was a little kid, I learned a lot from what was going on around me.

I came from a home where the only way to make a living

was to pick up plastic bottles and cans and sell them to processing plants.

My first real job was helping a woman set up her booth at a flea market

from seven in the morning to three in the afternoon for $20.

My neighbor's son learned how to cut hair when he was eight years old

because it was the only way he and his family could afford a haircut.

At such a momentous time in my life, I thought that I was limited,

that my community was limited, my neighborhood was limited,

all because of our circumstances.

And then came my crazy grandpa.

I went home and one day he was watching TV and he told me,

"Michael, look. I want this."

Not the horse, the pole.

It's a horse patience pole. It basically teaches a horse to be patient.

And he told me, "I want this,"

and I asked him, "How are you going to afford it when you don't have the money?"

And he said, "I'll find a way."

So I forgot about it, I was walking around the house,

And during that time, he left and he got a wheelchair from I have no idea where

and giant metal pole from I have no idea where,

and when I got back home,

I went into the backyard and this is what I saw.

My crazy grandpa had cut the wheelchair in half,

attached it to the top of the pole, stood it upright,

and tied the horse to it.

And in just three days, we not only taught the horse how to stand still,

we taught it how to run in circles.

And I remember when I saw this, my mind was blown away

because I had never seen someone

take that initiative to do something despite the odds.

And thinking about it now that I'm older,

I realize that I'm not that impressed in the actual pole

because at the end of the day, its just a pole.

I was more impressed in the fact that my grandpa went out and did it.

He didn't let resources get in the way of his idea.

He didn't find a reason not to do it.

He didn't choose to experience regret.

If you feel that idea, that tug,

then I'm telling you do what my grandpa did

because that same drive that he had

is what made the South Texas Ideas Festival possible.

It was a team of high school students, we had no idea what we were doing.

We just knew that we wanted to present a big festival

to the people of our community to show them everything we got.

If you feel like an idea is worth something,

be it yours or someone else's,

if you feel that an idea is worth time constraints, rejections, and failures,

then let me give you a piece of advice:

Stop what you're doing,

put down your phone,

pause the TV show that you're watching,

hold off on that nap for five more minutes,

and think.

You're bored, right?

Well now is the perfect opportunity for you to take that road trip,

the perfect opportunity for you to start that band,

the perfect opportunity to clean up some trash.

Now, the next time that you're bored, I beg of you, I implore you,

to get excited

because you might just be on to you next best idea.

Thank you.

For more infomation >> How to stop being bored and start being bold - Duration: 9:58.

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Oroville Dam Emergency Cost Reaches $870 Million: How Much Can State Get Back? - Duration: 2:23.

For more infomation >> Oroville Dam Emergency Cost Reaches $870 Million: How Much Can State Get Back? - Duration: 2:23.

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Report Details How Much Taxpayer Money Has Been Spent On Settling Harassment Claims - Duration: 1:31.

For more infomation >> Report Details How Much Taxpayer Money Has Been Spent On Settling Harassment Claims - Duration: 1:31.

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How to like miserable me. 整体 大宮 うまくいかない自分を好きになる方法 - Duration: 5:04.

Hi,my name is youhei ozaki. Thanks to looking this video. This video talk about how to like miserable me.

One of characteristic, It is to doing have high ideal.

For example, There is person to work amazingly. Rarely fail.

「Work does not end within time」 「I am not good」 「If this goes on,not good」

For example, Have too High expectation.

「Want to be liked from many people」 「I should become have been rich」 etc..

There is method that to don't feel down too much when that time.

This method is to can not soon.

Say easy and,It is to become to like self.

To admit self. ・Self that the work can

・Self that be liked from many people ・Self that doing have money ・Self that there is a lover

but,important more than that,

"Other self"

become to like that. There is recommend things as method to realize that

It is meditation.

What image do you have about meditation?

「heart is become calm down」 It might be to many people say it. But,this time is wrong.

In meditation is there is effect of another one. It is to admit self that nothing do.

The meditation is completion myself only. Social contributions is nothing. There is not gain.

Around people do not thank you. Suddenly,It will not raise self abilities.

How much can self like? You can to know.

If you doing have high ideal,please try the meditation. Close eye and just breath. It's OK with few minute.

Please try it. Thank you for looking this video. See you!

For more infomation >> How to like miserable me. 整体 大宮 うまくいかない自分を好きになる方法 - Duration: 5:04.

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Question #5 - How much pension will I get? - Duration: 11:09.

Before we get started, please note that different early retirement provisions apply to members

who start their pension after being deferred members.

There are helpful links at the bottom of this webpage with more information about starting

a deferred pension.

Question 5: How much pension will I get?

In thinking about when to retire, clearly you need to know how much your pension will

be.

It is calculated using this formula, which, as you can see, doesn't include contributions,

investment returns or interest rates.

That's because the pension is based on your earnings, your pensionable service, and your

age.

You don't have to memorize the formula or know exactly how it works, but many members

are curious, so here is a brief explanation.

The green boxes are earnings: we take the five consecutive years of your highest earnings

and average them.

This is called the HAPE (or highest average pensionable earnings).

The YMPE (or year's maximum pensionable earnings) is the amount of earnings on which

you contribute to CPP.

Earnings up to the Average YMPE are multiplied by 1.3%; any earnings above the AYMPE are

multiplied by 2%.

The 0.7% is used to calculate your bridge benefit.

All of this is multiplied by all of your pensionable service in the Plan.

Finally, we apply the Early Start Adjustment, which is the 3% reduction we talked about

in the previous video "When can I Retire?"

If your early pension is unreduced, the early start adjustment is 100%, because you'll

receive all of your pension.

If your early pension is reduced, the early start adjustment is 100% MINUS the reduction

percentage.

We'll show you in an example.

You might remember Robin from the previous videos.

Robin is thinking about retiring on an early reduced pension?

Let's look at her pension calculation so she can decide whether that's the right

decision for her.

The first thing we do for every early retirement is determine if the member is eligible for

an early unreduced pension.

Robin is 55 years old, so she is eligible to retire.

She has 24 years of pensionable service which means she has not qualified for an early unreduced

pension.

So we use her age and her service to determine her early start adjustment.

Remember, as long as you're not a deferred member, the reduction is 3% per year away

from your earliest unreduced date.

We now have to calculate the lowest possible reduction for Robin.

Let's look at the three reduction scenarios: • The first calculation determines her early

start adjustment based on age 65.

Robin is 10 years away from age 65, so 3% times 10 years is 30%.

<Click> • The second calculation determines her

reduction based on when she will qualify for the 60/20 factor.

We know that Robin already has more than 20 years of service so we look at her age.

She is 5 years away from age 60, so 3% times 5 years is 15%.

<Click> • The third calculation determines her reduction

based on when she will qualify for the 85 factor (age plus years of service).

Robin is 55 years old with 24 years of service, so she has 79 "points."

We subtract 79 from 85 to get six.

We then divide that by two (because Robin is full-time, she gets two "points" for

each year – one for age and one for service).

So 3% times 3 years is 9%.

As a result, Robin would receive a 9% reduction on her pension and her bridge benefit.

When we apply that to the pension formula as an early start adjustment, it's 100%

minus 9%.

In other words, she would receive 91% of her pension as a result of retiring early.

That's her early start adjustment.

Now here is Robin's pension calculation plugged into the formula.

We have taken her HAPE, up to and above the 2018 average YMPE of $54,440, and multiplied

it by her total service, as well as the early start adjustment of 91%

So if Robin were to retire now, at age 55, her annual lifetime pension would be $25,520

or $2,126.67/month.

But we're not quite done: remember that Robin is also eligible for a bridge benefit

– an additional pension paid from her early start date, to age 65.

The Early Start Adjustment of 91% also applies to her bridge, which would come out to $8,320

per year, or $693.33 per month.

Here is Robin's retirement income from the CAAT Plan if she retires at age 55 on an early

reduced pension, based on the calculations we just showed you.

So what might Robin be thinking about as she decides whether or not to retire?

Robin's target income replacement is 60% of her Highest Average Pensionable Earnings.

How close does the CAAT Plan pension get her if she retires right now?

• Before age 65, Robin would receive $2,820 per month from the CAAT Plan – that would

be her lifetime pension PLUS her bridge benefit.

<Click> • From age 65 on, she would receive $2,126.67

per month from the CAAT Plan – that would just be her lifetime pension since the bridge

benefit ended.

If we compare that to her pre-retirement income, before age 65, it's about 44%, and after

age 65, it's around 33%.

She would also have to consider the impact of government pensions and savings on her

income before making a decision about retiring.

But what if Robin keeps working to her earliest unreduced date?

Here is Robin's retirement income from the CAAT Plan if she retires at age 58 on an early

unreduced pension.

Her pension would be $31,300 per year, or $2,608.33 per month, and up to age 65, she

would receive an additional $10,540 per year, or $878.33 per month bridge benefit.

Why did her pension go up?

Robin earned six "points" towards the 85 factor because her service and age each

went up by three years.

So age 58 plus 27 years of service totals 85.

Therefore she can retire on an early unreduced pension.

These numbers will bring her closer to what she needs to replace 60% of her pre-retirement

income.

Before age 65, she will have 54% of her pre-retirement income, and after age 65, when the bridge

stops, the CAAT Plan will account for 40% of her pre-retirement income.

A quick note about earnings increases.

For this example we have assumed Robin's earnings would remain level at $77,500 from

age 55 until age 58.

We have also assumed that the YMPE will remain the same as the 2018 level.

In reality both her earnings and the YMPE are likely to increase over time.

What if Robin wants to keep working?

If she works to age 62, is she closer to her target replacement income?

By age 62, her pension has increased to $35,910 per year, or $2,992.50 per month, with an

additional bridge benefit until age 65 of $12,130 per year, or $1,010.83 per month.

So you can see that her pension has continued to increase.

These figures also assume no increase in Robin's earnings or the YMPE from their current level.

But since her projected retirement date is now 7 years away, these projections become

less precise.

As she gets closer to age 62 Robin can reassess these projections using updated figures.

In video 8, we'll take a look at the impact of government pensions on her total retirement

income, and see how close Robin gets to her target replacement income.

Robin thinks that age 62 is perfect for her retirement.

Before age 65, with the bridge, she exceeds her target retirement income with her CAAT

Plan pension alone.

After age 65, when the bridge drops off, she's close, at 46%.

Add in government pensions and she will be comfortably within her target range.

Here's another Pro Tip – you can do all this modelling for yourself using our online

3-Step pension estimator.

With a few simple inputs, you can get estimates of your pension at any date or age you choose.

Thanks for watching.

Be sure to watch our next video, is my pension adjusted for inflation?

This retirement planning video is based on Plan provisions in effect as of January 1st,

2018.

There is lots more information and details available on our website, including the Plan

terms, which govern above all else.

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