News on Youtube Apr 5 2018

What's up guys it's rob here from steps to success so in this video i want to go over how

To, save enough money for you to be able to buy, your very, own

Investment property or even a house to live in so i've been getting asked

A lot lately from students that i know a lot of people are now starting to make money whether if it's an additional five thousand

A month or ten thousand or even have a couple people that are reaching that twenty thousand

a month

Income on amazon fba and i always i can't stress enough this enough guys once you start making money and you start earning

Profit it's always good to reinvest most of that back into amazon fb but at the same time you always

want to have more than one source of income and

Real estate for me is one of my absolute favorite investment, strategies that i've implemented into

My, life and into, my business and it's grown, my net worth

Exponentially in the last five years so in this video i want to go over some

You know some criteria that is required when you are saving money and everything that you need to know

Not only on how to save money to be able to buy your very, own real estate or buy more real estate but as

Well how to be successful doing it so we'll be going over lender requirements

Downpayment and how to actually save

Enough, money for real estate so let's go over the very first criteria that i want to go over with

You, guys, which is the lender requirements so these are, usually the

Main banks that you want to go through to borrow

Money to be able to buy real estate so what lenders typically look for is one your

Credit score so your credit score should usually should be over 700 if you have a really really good credit score

Which is above 750 to 760 the lenders do typically go out of their, way to give you

Even more incentive to go with, them because they know. How reliable and good of the credit you know

you Will be in borrowing credit from them so it's very important for you to always focus on?

Making sure you pay all your bills on time so you can have one of the

Credit code because it will actually pay off you know

In your entire lifetime tenfold if you have a credit score that way

You'll be able to get the lowest interest rates

You'll be able to get the best turns and you'll be able to get a ton of incentives on top of that which is very?

important guys

Number two think that length lenders typically look for is your previous two years tax returns

in canada, we call that notice of assessment and

It's basically how, much you've earned

Based on the government tax income that you do end up every

Year so for example if you made a hundred grand for the past two. Years that's what the banks look, for to see how

Much you're, actually able to borrow

From them and be able to repay that loan

Plus the interest obviously number three is bank statement so usually the banks will

ask you

For the last two months and it could sometimes go upwards of six months of

Your, bank statements and the reason the banks, ask. You for these bank statements is so they can go through not only, how

Much money is coming in just to confirm with. Your tax document but as, well be able to see that

Continuously you know inflow of funds from your employer or if you're self-employed you want to see that

Consistent income coming in and they

Want to make sure that it's consistent for the past couple months so obviously

If you have a tax you know tax documents that shows. Your last two years you'll be making 100 grand a year

You know that's basically, about eight thousand? A month so they, want to see that eight thousand

A month coming whether if it's bi-weekly

Weekly or monthly just so they can see the consistency throughout the last two months and if something again is not congruent

They, might, ask, you for the past four months or past six months just so they get a taste of how

You, well you're you know?

Managing your funds and as, well and not the reason that they, ask

You for your, bank statements is so they can track and see your expenses your expenses are very important you guys always

Want to make sure that you are very very vigilant with

Your expenses you never, want to spend too much money especially if you're close to purchasing

Your property try to keep your pencils down so when the banker goes through it and is doing an approval. Process they

Don't see all these random expenses in your last, few months because it can actually hurt you guys

Next is your cash reserves so cash reserve is very important guys, the bank typically

Wants to see that not only will you be able to pay the mortgage

Plus the interest you know plus the maintenance taxes and all that stuff but

They, also want to see that you have some sort of a reserve that you know

You, have money to be able to pay just in case if you were to ever lose, your job or something ever happened

We had a big expense that you can, still go forward and be able to meet all your

Obligations to the bank which is very important so these are the london requirements that you guys

Want to check for make sure that you apply every single one guys every single one of these criteria you

Want to make sure that you apply and you?

Do meet them before going in and getting you know the property or putting a bid on a property

Because the last thing that you guys

want to do is you go on you purchase a unit and imagine even if you put you know based on

Financing condition or based on inspection you don't want to have random credit checks go through your account. Because again

Credit score is very important and random credit checks even if you, don't if you're, not 100% sure about buying

That property can actually hurt you so this is very important, which moves us to the second step for how

You can, save money and purchase your very, own

Investment or real estate property is your down payment

Down payment typically ranges anywhere from 5% to 20% i know a lot of people that

Do put only 5 down, and the taking mortgage for the difference which again

Is okay but it also depends on different scenarios and i'm gonna go through that in this in this video

So when you guys typically put 20% down, the bank feels secure because you're putting

Your very own money and you're putting a, substantial amount down so they know

That you're serious, about the property and you'll be able to meet all your financial obligations?

Sometimes people don't have 20% so what they do is for example they put 5% down on

And million dollar property, which is 50,000 so there is a pmi that goes into effect?

And pmi is basically the additional the difference between the 20% on how much you put in so in this case the 15%

So on that 15% you will be paying an additional 1% plus

Some charges on top of it which will actually increase your expenses for you to maintain that property, and that mortgage

Again, the reason i say that this is important is because sometimes you'll see that you have a very good you know feedback

Or knowledge from your realtors from industry professionals that the market in the next six months is gonna go up 10%

So in this scenario you you, don't have that 20% so, what do you do you're

Gonna, go use that 5% that you have and still pay for the additional pmi knowing that the market is gonna move up

but

Imagine now that you put the 5% down the market, did not move up and it actually, went down so again

You're, carrying an additional experience that's what it's always important for you to do your homework before ever

Investing in real estate it's very important for most people buying real estate is one of the most you know

Investments that they will be putting onto anything in their whole life, you know more than buying a car

More than purchasing anything so in putting money into real estate you always, want to make sure you

Do your homework you can't afford to keep it and you're buying it for the right reason so never go outside your boundaries of how

Much you can actually afford

to, buy our property and

Number three if you have a good feeling, again

Based on the industry standards based on professional based on you know, whoever's around?

You, that actually give us giving you the statistics at what they believe that the market will

be what most people do is put an addition initial 5% down, and

As the properties start to move up in value they'll go to the bank and they'll

Refinance the property, and what this means is if you bought a property for a million dollars and six months from now?

That property, is worth 1.2

You can refinance your property for the

Additional increase in value and now use that money to pay the difference of what you initially had

Not put in so if you initially put in 5% and you were missing an additional 15% you can

Use the refinancing terms to put the money back in there so now

You have your 20% down for your property and you're, not paying the additional pmi guys this is a cool

Trick that a lot of people use in canada and just because of the growth that, we had in the past few

Years it's meet a lot of people extremely wealthy in the past few years so in toronto the property values have been rising

About 30 to 80 percent in the last three

Years it's kind of gone a little bit down but, again, that happens in real estate market

Goes up market goes down so if you. Guys can

Actually time the real estate market in your country or wherever it is that you live you can actually make a ton of money

Investing and buying a real estate

Which takes us to the last point that i want to go over with

You, guys, how, do you actually go, about saving money to buy

Your investment property or to buy real estate in general one you, want to make sure that saving is a

Priority it's very hard for people i know

You, see that money comment say you're making fifty, thousand a

Year you have four thousand come in after taxes, is three thousand it's hard to save money but you can

Actually track your expenses you can

Put a make a chart have your income and have your expenses and see what are the needs and wants for you

So keep the needs but, some of the ones

You might, want to eliminate or at least lower so you can

ensure that you're saving that money because if

Ultimately you're, not saving money to be able to afford that 5% down or 20% down

You'll never be able to buy a

Real estate now i know a lot of people are gonna go and say hey you know

There's always that one or two person that's gonna, say, hey, but i've heard people buying properties with as low, as 0% down

And sure you can, buy that and there might be deals that you can, buy 0% now but you never

Want to put no money down because if your property

Goes the other, way?

It's gonna, hurt you so much more than if you were to put money down, and plus it's really hard for you to get

0% down in today's market just because of lenders being extremely for all the background. Check unless you know

You're, in that 1% category that you're making a really good income and the bank has some you know

has some

Investments for you that you can rely on or that they can rely on if you were to ever fall down or if the property

Values went out the other way, again

Very important guys tracking your finances is the most important make a list in an excel document there are

also a ton of free

Software's that you can actually download

And use to just go over your monthly expenses and at the end of the month it will actually show

Your chart hey this

Was your income you spent seventy five percent or eighty percent or a hundred percent of?

your income and then you'll be able to look be like hey if i made this much and i spent this much how am i

Ever gonna be able to buy, my, own real estate which is very important guys

Another cool, trick that i personally use to automate my savings is you always, want to have two bank accounts

One, which all your info you know. Your money's on how much you earn goes into it you have all your

Main expenses go out, and right before you even where to expense anything or have anything, well put a 15% 20%

of your income

Automatically going to a separate account. That you never want to touch and this is an account. That's just somewhere talked

away

That you want to check every three months every six months and just look at it be like them i save this much money and

That's how?

Your account

Goes when you do look at something when you just keep putting money, away

Stashing it away investing it away somewhere and you look at it in six months a year two years from now and now all of?

A sudden you have an additional fifty thousand

Hundred thousand that you could have not have or most likely not being able to save had you seen everything in one account

Because it's almost always easy for you to go, and buy something that you don't need, something that looks cool, something that you say

Hey, you know this is cool i don't mind spending extra 50 bucks hundred

Bucks for this it's not a. Big deal but end up the year once you start adding

These up, you'll see that they actually, add up pretty quick and they become kind of significant into your overall

Earnings that you have year over year

so guys, one thing i can't stress is

if

You, apply, every single one of this and still say hey rob

But i only, make 50,000 a. Year and it's hard for me i can't save, any, more money and i'm being frugal with

Everything i do, what can i do if that is your case again

This is normal guts you need to go get another

job you need to be

Able to find a second source of income and use that second source of income as if it never even

Was there so again, use your main income to support

What you have now but every penny that you earn from that second source of income tuck it away?

So you can finally be able to save up enough money and invest in real estate again

I highly recommend for those of you, who are on this channel to try amazon

Fba it's so easy for you to make an additional five thousand ten thousand a month especially if you

Like being home if you, like being on vacation and taking your laptop with

You, and having a, business that's online without. You ever having to store any material you know

Be able to take care of any shipping returns so on and so forth it's one of the best businesses online

That i believe will be for 2018 that you can actually make a ton of profit on and be extremely successful

Again an additional five thousand ten thousand

A month not only, we will be that passive income for you, but will actually support you growing

Your amazon, fba business and be able to reinvest, some of that profit

And save it into your investment portfolio for real estate

So, again, guys i hope this video, was informative for you, guys i made this channel

And i'm trying to help every one of you become successful

in your

Daily, lives into your businesses and in your overall health success and wealth so if this was informative for you

Guys, make sure to give this video a thumbs up, and make sure you subscribe and hit that bell button if you haven't already

We have a, free facebook, group, where, we have a ton of entrepreneurs and successful people helping, each other grow

So, make sure to join the link is below in the description, box and again if you are interested in starting amazon

Fba and you need, that one-on-one mentorship from myself, where i'll help

You, with picking your very, own product and becoming successful selling products online, make sure to check it out

You, come with unlimited one-on-one mentorship

We'll help you with every single step of the way the link is below in the description box

Guys, again, i thank every single one of you guys, for joining me on this video and i can't

wait to see you guys on the next one

For more infomation >> How to Buy and Invest In Real Estate! (EVERYTHING you need to know) - Duration: 15:46.

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Many take shelter at Grove City YMCA after storm damage, power outages - Duration: 1:43.

For more infomation >> Many take shelter at Grove City YMCA after storm damage, power outages - Duration: 1:43.

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BT Daily: How Much Sin? - Duration: 1:42.

[Steve Myers] How much sin do you accept in your life?

The Apostle Paul, in a sense, posed that same question to the church in Corinth.

In 1 Corinthians 5 and in verse 6 he says this to them.

He says, "Your glorying is not good.

Do you not know that a little leaven leavens the whole lump?"

So the Apostle Paul is comparing leavening to sin, because when you put that leavening

in the dough it causes that dough to rise and it, in a sense, infects that whole loaf.

So Paul says even the littlest amount spreads and grows.

And in fact the church of Corinth had become so tolerant and so merciful that they accepted

sin both in the congregation and in their own personal lives, and so God says no, we

can't do that. 

The Apostle Paul was inspired to write, "Therefore, purge out the old leaven that you may be a

new lump."

And then he connects that to Jesus Christ.

He says, "You're truly unleavened, for indeed Christ, our Passover, was sacrificed for us."

(1 Corinthians 5:6-7)

So Paul's saying look at yourself.

How much sin is acceptable in your life?

Paul says do everything you can to rely on Jesus Christ.

Have him live his life in you and through you so that we choose to be truly unleavened.

That's BT Daily, see you next time.

For more infomation >> BT Daily: How Much Sin? - Duration: 1:42.

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Director of photography - Part 1 - What I do and how much I make - Duration: 7:41.

Hi, my name is Trevr Merchant.

I'm a director of photography and a photographer

and my annual salary is $80,000.

So, typically I'm working with universities, health systems,

small businesses, and even creative agencies to produce

branded content, web content, and then I also work on

short films, feature films, and I do photography

and sometimes I teach.

So for the last year I've been working as my own business

as a freelancer and I decided to partner up

with a producer and director here in Denver

who's incredibly talented.

We work as a great team and he takes care of all the stuff

that I'm not quite so good at.

So, I'm not amazing with client interaction or like,

you know, client management, always stay on top

of everything, and scheduling and all of that.

So Matt takes care of running the business as a business.

And I'm good at making the pictures pretty,

and making sure the sound is good

and the color's consistent and the really technical side.

My job really starts after he's done a lot of his legwork.

So he's already gotten the bid on a project

and done a lot of the pre-production and I come in

to basically take a dream, a picture in somebody's head

and figure out how we're actually going to make that real.

So there's a script, there may be storyboards,

there's probably a location already,

and it's my job to go into that location

or you know, read that script or

go through those storyboards

and figure out what lights are we gonna need.

What equipment are we gonna need.

Are we gonna need, you know,

gimbals and drones, and all that fun stuff.

Or is it just going to be me with a camera

in a really compact situation because of whatever reason.

My job on set is to oversee the camera department

and sound and lighting and all of those technical things.

So I'm there to set up the shot,

make sure that it looks great,

light the shot and work with our director or producer

and make sure that the client is happy as well

with how everything is going, how everything looks,

and then I will adjust as needed.

When we're done shooting I'll be the one to either

hand off the media to an editor or assistant editor

or even take that footage and turn it into

a more editable file.

I did not go to the film industry to make a lot of money.

The research that I did, I found that a camera operator

was typically making about $50,000 a year.

And I think that's about what my parents were making

and I knew that we weren't doing that great,

and so I thought, that's not enough money.

You know, if I wanted to go shoot Hollywood movies,

which is the dream you can make a lot more money,

but there's maybe 20 people doing that.

You know 20 really, really great DPs.

And so the research that I did early on

kind of convinced me that going into the film industry

wasn't a great financial move.

It just so happened that I got so excited about the projects

I was working on that it kind of turned into,

okay, I'm making money doing this

because I'm doing it all the time.

And so I may not make as much as I could have

if I went into a different industry,

but by diversifying what I do,

so I do photography, video production, and I teach,

I'm able to subsidize my personal projects,

my passion projects,

and I make a good living

that I can afford to travel and do fun stuff.

When I first started out I was making like $12 an hour

as a student intern.

So I was making videos, and they were technically

professional-quality videos,

but they weren't up to my standards.

I knew that they weren't that good.

And the nice thing about that job was that I was

able to make a lot of mistakes and have a lot of leeway.

I was working for a university and they gave us

the opportunity to just try a lot of stuff out.

So you're making $12 an hour, but you're also kind of

still learning and you're in school.

And then when I graduated

I was hired on at a salary of $40,000 a year,

and so a big jump from being a student intern,

but still not a great income

in the Denver market,

you know, you could make quite a bit more.

And so I continued to work in that environment

and realized we were charging for our services

and they were charging

about $100 to $150 an hour for my time

and I was getting paid by $20 to $25 of that.

And I knew all the numbers,

so I decided to bring it to my boss and say,

"I know how much you guys are charging for me,

I know what kind of value I'm bringing in,

I billed, you know, this many hours last year,

that equates to this amount of money.

I think I deserve a raise."

And they said, "We agree you deserve a raise,

how does $2,000 sound?"

And I said, "That sounds crazy.

So I think I'm going to go out on my own

and try try to do this as a freelancer

and see if I can make a bit more money,

and hustle, and work on different projects."

When you work as a staffer at a corporation

or university or hospital,

you're only working on videos that pertain to that thing.

And then when I got freelance jobs I was able to

travel and shoot other stuff.

When I started making more money as a freelancer

I realized that, you know, I could run a solid business.

I could buy equipment.

I could rent that equipment and make more money

on top of that when I wasn't using it.

When I partnered with my business partner,

we decided that want to build a business

that we can have a higher through-put.

So we knew that we wanted to make more money

than we could on our own, and so by building a business

and hiring more crews we can have a higher

through-put of a video work and we can make money

on top of each one of those projects.

So I do see my salary increasing over time because I can

with my teaching experience,

I can bring people in that are lower cost

that don't know as much and I can say,

"Okay, we're going to train you and we'll tier your salary

as you go, as you get better,

and we can give you more responsibilities,"

and I can be the one to do that training

and then I'm getting paid back

for the training that I provide,

because they get better

and you can charge more for their time.

This year was my first full year freelancing

and I made quite a bit more than $80,000

but I decided to, at any chance that I got,

invest that back into new equipment or computers,

or infrastructure that allowed us to do more work.

So if I can take that money that, you know,

I made and go on a vacation that's great,

but it's not going to make me any more money

next year or in five years.

If I can take that money and buy a new camera system

and tripod and audio kit, then I can train a crew member

to go out on his own or her own and use that gear of mine,

charge the client for that equipment,

make a little bit of money from the freelancer that I hired,

on top of their rate, and then I'm making more money

with the gear with the people I'm training and hiring

and then I don't have to work as hard, hopefully.

But right now I'm working about seven days a week.

It may sound cheesy, but my favorite thing about being a DP

is working with my wife.

She is an incredible production designer and stylist

and working as a team with her on set

is very creatively satisfying,

but also really cool for our relationship.

I think when you're making movies you

need to have a common language,

and that's probably true for any industry.

If you want to get something done and it's creative work,

you have to be able to speak in the same terms.

And that's been pretty cool to be able to work with my wife

because she knows me well enough

that we don't always have to talk to communicate.

For more infomation >> Director of photography - Part 1 - What I do and how much I make - Duration: 7:41.

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What do I want my channel to be about? (check in) - Duration: 5:47.

- And hey the beanie is back too. Yeah I mean I think you guys have seen this beanie more often than ever.

[whoosh, film clapper sound]

Hey what is...happening...JC5ers?

Yeah I know it's uh...awkward.

I was gonna upload a video, a different video this week, but I've just kind of had a rough few days lately.

By the way a few friends of mine who went to YouTube Nextup.

It was mentioned to them that there's three types of videos that every YouTuber should make.

They're called Hero, Hub and Help and Hero videos are the ones where you're trying to get

a lot of people watching, A lot of new subscribers. Help videos are DIYs or just videos where you're

helping someone out do something, and Hub videos where you're talking to your current subscribers.

and this is definitely a Hub video. So just I don't know, just thought I'd toss that out there randomly.

This microphone is...

[microphone moved around]

Sorry.

So one thing that's been bugging me about my channel lately...not...Okay bugging me is the wrong word but.

One thing that has been bothering me is I did mention a while back that I was going to go into the more disability

route for my channel and I still am doing that. The thing is I may have put out one too many videos

talking about disability or blindness because I was looking at my videos.

Ever since I did the "Accepting My Blindness" short film and quite a few of them were about my disability

and I didn't have that many short films, so I had to step back and I was like.

"Wait a second. What do you want your channel to really be about?"

And one thing that I decided to do is I've been watching a lot of the

YouTubers in the disability community, a lot of the disabled youtubers to see how they

do their content, to see what they put out.

Some of them really focus on just disability centered content others try to spread it out.

Make it more about just the regular content that they would do in their niche and then dab into...

dab...dab...why'd you say dab?

[laughs]

Venture into disability and I was watching Molly Burke recently, one of her recent videos.

If you don't know who Molly Burke is she is a blind YouTuber. A really popular blind YouTuber.

What she said is that she tries to just talk about disability but at the same time she wants to put out

just regular videos to show that she's a YouTuber and I want to do the same thing

and I had a few conversations with several friends and what I came to the conclusion is that.

I want this channel to be about the content that a blind filmmaker can put out more than a blind filmmaker.

And I don't want to shun the disability stuff because the disability community on YouTube is the reason why

I'm doing this transition. They've helped me out. I feel like I'm part of that community now.

So I mean don't get me wrong I'm still going to be posting videos about disability.

I'm just going to have to spread them out a little thinner than what I was doing since October of last year.

Maybe it's because of that transition that I'm doing the views have kind of

been lower in general and so has engagement like comments and likes and stuff like that.

I don't know maybe it's just me. I don't know I've just had this thought that perhaps.

Maybe my content is boring you? Maybe it's gotten stale maybe I need to do something new?

But I could be completely wrong. Maybe you're not getting notification so I don't know.

Something's going on but I'm trying to figure it out and I'm trying to see it mixing it up.

Or trying to structure my content better would be something worth doing.

I think I just heard my stomach growling. Crap.

Can I do a take two on that?

[laughs]

It's not that my channel's not growing I mean I'm getting 70 to 90 subscribers a month.

The thing is I'm trying to figure out.

It doesn't seem like it's really made a difference in as far as views go for my new videos.

So it seems like one video is getting people to subscribe.

They're just not really bothering to watch my newer videos.

I mean this seems to be the case for a lot of people but it seems like my short film "Ideas"

which was made in 2012 is still getting a lot of people to subscribe.

I just don't think maybe a lot of those people don't realize I have new videos, or something?

and speaking of that okay, this is a just a mystery I've been trying to figure out for ages

So if anybody from India is watching. Anybody from India who subscribed to me is watching I need your help.

A lot of the views for that short film I just mentioned have been coming from India

and it seems like quite a few subscribers have been coming from India too.

I'm trying to figure out why some of my short films are doing well in India.

I'm just trying to, I'm just trying to like you know, crack a code or something like that.

I'm trying to figure that out. So if anybody from India is watching this right now

please leave it in the comments below like, why, why do you think a few of my videos are performing well there?

Come on mic. No don't don't lean up, down.

So yeah that's what's been going on with me on YouTube and another thing I want to do is I want to dab...

Ahh, you said dab again.

[laughing]

and another thing I want to mention is that on YouTube I'm also trying to venture into the more

kind of avant-garde a little bit not too much just experimental short films.

like my "Rainy Day" video and even more my last one. The voice of, oh man.

I'm forgetting my own titles. Um a voice...

"A Voice From Confidence". I wasn't very confident in remembering that title,

but anyway films like that I want to be able to try more and just

like I said just get a little more experimental here and there as well.

And that's basically what I'm trying to say I know this is completely random.

Just jumping from topic to topic but live me your thought...live me.

Leave-me-your-thoughts-in-the-comments-below. There you go.

Maybe-I-should-do-all-my-videos-where-I-talk-like-this-even-though-I-sound-like-a-robot.

"Danger Will Robinson. Danger!" No wait doesn't he say "Warning, warning!" he says that more often.

Anybody who's never seen Lost In Space is like "What the heck is he talking about?"

Anyway I will be hopefully back with my regularly scheduled videos next week. Hopefully.

Yeah sorry if the sun has been changing it's a partly cloudy day so hooray for continuity problems.

All right this is, yeah I gotta go. Take it easy, see ya.

For more infomation >> What do I want my channel to be about? (check in) - Duration: 5:47.

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How Much Time Do You Spend Creating a Film Score? - Duration: 2:07.

so the amount of time I spent on Tomb Raider was roughly four or five months

which I would say is a great length of time there's always like other bits and

pieces going on so you never 100% for four months five months working nonstop

on the film because films overlap a little bit one is ending the other one

is starting and then when the other one is ending something else kind of starts

that's the nature of what film scoring is I've done movies as short as three

weeks 300 rise of an empire or black mass four weeks to a year and a half

fury roads Mad Max so it's like anywhere in between but four or five months is

pretty ideal because you can spend a few weeks really conceptualizing like what

you want to do for the score write a bunch of sweets get a sound pellet going

get unique influence and create unique instruments and write a bunch of music

with that idea and you present the music four or five months also allows you to

do a lot of like experimentation work let's say let's take two three weeks

just to create these really insane sound library you can do that in a period of

four or five months if you have three weeks to do a score

there's no time to you know fuss around you really need to get all the

parameters right and you need to write a lot of music in three four weeks and

it's very very stressful so in my opinion four five months is pretty ideal

and it also gives a director a lot of time to live with the music and just to

get comfortable with it give you the right feedback after listening to it ten

fifteen twenty times so it's pretty ideal to work on a movie with that time

frame it doesn't always happen like that obviously like I just said but it's a

great time for him to do a film so I

For more infomation >> How Much Time Do You Spend Creating a Film Score? - Duration: 2:07.

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How Can A Cockroach Survive A Nuclear Explosion? - Duration: 5:43.

With a body built for survival, love 'em or loathe 'em, nobody can deny that the

cockroach is one of the hardest creatures planet earth has ever known.

They can run, walk, jump, hop, fly, and swim, and according to urban legend, they have the

grit to outlive a nuclear disaster.

They've been here on earth for at least 250 million years, hung out with dinosaurs,

and witnessed the evolution of humankind.

It definitely looks like they're here to stay on planet Earth, no matter how much humans

try to destroy them.

Today we'll put the common cockroach under our wide-lensed microscope and see exactly

what all the fuss is about.

If you're squeamish about bugs, or anxious about nuclear Armageddon, prepare yourself,

because in this episode of the Infographics Show we ask - How can a cockroach survive

a nuclear explosion?

The cockroach is one hardy little critter who's been crawling and buzzing around the

planet since the Jurassic period, when dinosaurs still roamed the earth over 200 million years

ago.

Having survived the giant asteroid 66 million years ago that finished off the triceratops,

tyrannosaurus rex, and others, this little insect looks set to remain on the planet.

The cockroach is an insect of the Blattoda order that includes other creepy crawlies

such as termites.

About 30 of the 4,500 cockroach species are known to live amongst humans.

They survive and flourish in both arctic and tropical conditions.

Their thin, lean design allows them to hide deep within slim cracks in surface material,

and wait out environmental changes.

Cockroaches can also swim, holding their breath for 40 minutes, and if you submerged one in

a bucket of water, it could probably survive for over an hour.

If you chop a cockroach's head off, it could survive for about a week, as they have an

open circulatory system, and thus don't require the head to breath.

Roaches prefer to run, and they can reach speeds of up to 3 miles an hour.

Some can fly at an altitude of 10 meters for a distance of 100 to 200 meters, while others,

such as the American Cockroach, uses its wings to glide down from higher to lower level apartment

buildings.

In the typical home, you might find cockroaches under the bed, in the toilet, in the cupboards,

and twitching in all those nook and crannies you dare not normally look.

Especially if you happen to live in South America, where the largest roach species measures

six inches in length and has a 12 inch wing-span.

The idea or theory that cockroaches will inherit the earth following a nuclear explosion arose

shortly after the United States dropped the little boy and fat man atomic bombs on Hiroshima

and Nagasaki towards the end of the Second World War.

Reports from the rubble claimed that these ancient insects were rising through the cracks

in the destroyed city like the newly crowned insect victors of a post-apocalyptic world.

During the Cold War, activists and scientists spread the urban myth of a cockroach new order

to install fear and hopefully delay the potential of an all-out nuclear holocaust.

The truth however is a little different.

Although cockroaches can survive the radiation of a little boy style nuclear bomb, if it

were caught in the actual blast, it would be destroyed on the spot, as the body of a

cockroach wouldn't withstand the heat.

Due to their slow cell cycles and the simple design of their bodies, cockroaches are able

to withstand extreme forms of radiation, but the actual blast would kill them.

The roach would have to be underground, somewhere out of range of the impact and heat of the

original explosion, in some type of roach friendly fallout shelter perhaps.

So when the blast is over, our buggy friend would be able to walk up and around freely

amongst the rubble and destruction unharmed by the death clouds of radiation floating

around his insect body.

But would it be the only survivor?

The Discovery Channel's Myth-busters decided to put the cockroach nuclear theory to the

test, when they took a set of German cockroaches and exposed them to varying degrees of radiation

levels to see just how much they took before they cracked.

They used three levels of colbalt-60 metal beginning with a baseline of 1,000 radon units,

enough to kill a person in 10 minutes.

They increased that to 10,000 and then 100,000 radon units.

For reference, the Little Boy bomb dropped on Hiroshima emitted about 10,000 radon units.

The cockroaches survived the 1,000 and 10,000 radon units, and began to drop off at the

100,000 level – that's ten times the radiation of the nuclear bomb.

But the interesting factor in this experiment is that the Mythbusters team, in the interests

of a good scientific experiment, also used a couple of other creepy crawlies, namely

the fruit-fly and the flower-beetle.

While the fruit-flies dropped out early in the experiment due to natural causes, the

flower-beetle lasted longer than all of the contenders at the 100,000 radon level.

And that's not all.

Other creatures who have been tipped to survive a nuclear fallout include the scorpion, amoebas,

a species of wasp, an ugly type of worm called the tardigrade, and Keith Richards of the

British rock and roll band the Rolling Stones.

All this begs the questions, if cockroaches can survive nuclear radiation ten times that

of Hiroshima, then what do they put in those bug spray cans we use to exterminate a domestic

outbreak of pesky roaches?

The answer is simple.

A type of nerve gas similar to what's used in dirty warfare is compressed into those

cans.

Spray the nozzle and a lethal cocktail of nerve gas will squirt out and send your potential

nuclear survivor onto his back where you'll see him wriggle with those little insect legs

twitching, like he just had his entire nervous system fried.

Which, of course, he has.

So, could a nuclear blast happen in our lifetime?

If so, what would be left on the planet apart from cockroaches, flower-beetles, and other

creepy crawlies?

Would those insects create a better world?

Let us know your thoughts in the comments.

Also, be sure to watch our other video called People who became Billionaires the Youngest.

Thanks for watching, and as always, don't forget to like, share and subscribe, see you

next time!

For more infomation >> How Can A Cockroach Survive A Nuclear Explosion? - Duration: 5:43.

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How much progress has been made 50 years after MLK's death? - Duration: 6:15.

For more infomation >> How much progress has been made 50 years after MLK's death? - Duration: 6:15.

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How We Retired in Our 40s - Part 4 - Duration: 6:13.

Hi, it's Amy and Tim and we are back from GoWithLless for a...we're picking back up with the series

That we left off on how we retired in our 40s

And we're on day 4 so for those who have been following along

We took a 7 day break in between because we went on a great spring break trip

I'm going to be doing a post about that entire experience

We actually we did 7 videos

But I'm gonna do a written post on our

Website GoWithLess.com that shows every single penny that we spent I love seeing money of

People's trips of exactly how much did stuff cost well

It was a very affordable trip for three people we had a great time to another country we ticked off another country off of our

List which we always liked doing that sort of thing. We're list people. so thanks for

Letting us take that break and we are back and just on a side note

This week I was out at an event and a girlfriend came up to me and is like

Where is part four? I mean you have me on a cliffhanger Here?

I am dying to know what happens in this story so that makes me totally thrilled and I appreciate you Monica, so thanks for watching

But before we get into it the story I do want to say that today is my 3 year 3 year of retirement

Anniversary so I retired exactly 3 years today

on April first, Congratulations.

Yes, it was and it's been the best three years of my life

So I am dying to spread the word about how people can have more freedom in life

so we're gonna get going by rehashing what we talked about in the last video in some detail and so we

Introduced this 4 percent rule concept and so this is a very important concept to understand

So we're gonna go over it again

And so the idea with the 4% rule is that

You you have a certain amount of spending you have to know what your spending is you multiply that annual spending?

So let's say for instance you you have a hundred thousand dollars a year worth of annual spending that you're currently

You're spending and so if you multiply that by 25

That's gonna

Give you the number the amount of money that you would need in the bank in order to retire and live off of that money

Spending that 100 thousand dollars a year

adjusted for inflation

For the remainder of your life, and when I say invested. It's not gonna be in the bank or under your mattress

It's gonna have some strategic investment things. We'll talk about later. However in another video in another video

That's exactly right

But you would need to have again this 25 by in order to have your money work for you for the rest of your life

Something else that's important to consider is let's say for instance today

You're spending a hundred thousand dollars

But you're not planning to retire for 30 years

Well obviously in 30 years inflation is gonna be making that hundred thousand dollars worth less and less

and so

You would need to sort of factor in inflation not sorta. You would need to factor in inflation into the the amount of money

You'd want to have in the bank so maybe a hundred thousand dollars in 30 years is gonna be a hundred and twenty-five thousand dollars

That you're spending and so if you're gonna spend 125 thousand dollars then again

You multiply that by 25

And that's how you come up with this bucket of money that you would need to have saved in

Order for the money to work for you

passively and if for it to last for the rest of the remainder of your life and so

So we are because of our spending of one hundred and fifteen thousand dollars one hundred and fifteen thousand dollars times 25 equals

two point eight seven five million dollars

Almost three million dollars. yep right, that's an enormous amount of money

And we weren't anywhere near that when we had this conversation in 2012 with the life insurance agent

So what we had to do was bridge the life insurance between three million and where we were and so

so

we

Learned how to change that three million bucket which was the key to the entire thing and we're gonna talk about that extensively tomorrow

but before we do how did you know we were even spending a hundred fifteen thousand, that's a great question so

So I have been tracking every penny that I've spent since I was roughly

22 years old every single penny. not only how much did I spent but also

How much did I earn?

That's right, so

Understanding where you're gonna

go you have to understand where you are in order to understand where you're gonna go and

So it's it's important to know how much money you're actually spending and I differentiate how much you're spending from budgeting

There are a lot of budgeting tools out there that will maybe help you understand your spending

But budgeting you're putting money in certain buckets, and you're watching your money a little more closely

But just to do this calculation of how much money you need to retire

so you need to know exactly how much money you're spending on an annual basis and Amy makes a good point and

There's we've talked about this quite a bit in that you need at least a probably a couple years worth of

Understanding of your spending to really get the numbers down. what I mean by that or is that

things like insurance

Well, you don't pay insurance every month or maybe you do, but maybe you only pay your insurance once a year. taxes

Maybe you only pay once a year or maybe you have

big events they so you need to have sort of a

series of numbers

Collected so that you can have an average of what you're spending actually looks like and so this hundred and fifteen thousand dollars for us

Understanding what that number was was sort of made it easy for us to have this conversation

and understand what sort of money we needed to have saved, but that might be a

Something that you're gonna have to spend some time doing

But in order to move down the path and understand where you want to be you got to understand where you are so doing this

Calculation is very important, and there are a lot of free tools

I happen to use quicken, and that's how I have tracked my money I

also use mint.com, and I also use Personal

Capital's free online and there's a pencil. and paper

There are ton of tools free tools online

Pencil and paper is obviously free that you can use to come up with these numbers and Tim also wrote about these options at our

website he did a nice post about tracking at

www.GoWithLess.com that talks about tracking and we will be back tomorrow to

Cover the as we're getting down this path like now we know our number is three million

That's a big number, so we don't have three million. How did we retire early stay tuned right? Thanks subscribe?