News on Youtube Oct 29 2018

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Le pacte Finance Climat: une solution scandaleusement simple. - Duration: 2:09.

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easy rangoli designs with dots for diwali, creative kolam designs,simple muggulu diwali,TNBN Tv Live - Duration: 2:31.

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LATEST ARABIC MEHNDI simple design IMAGES 2018 HENNA MEHNDI DESIGN - Duration: 2:15.

BEST ARABIC MEHNDI simple design IMAGES 2018 HENNA MEHNDI DESIGN in amazon shopping online

For more infomation >> LATEST ARABIC MEHNDI simple design IMAGES 2018 HENNA MEHNDI DESIGN - Duration: 2:15.

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Eliminate Back Pain Using These 4 Simple Stretches - Duration: 13:45.

Hey, everybody out there, Coach Dan Long with Get Lean in 12.

And we are live, and I have something

awesome for you today.

If you are like me, and you're over the age of 35--

I'm 44-- I want you to pay attention,

because today I'm going to answer the question,

can you eliminate or reduce lower back pain

by just some simple stretches?

The answer to that is absolutely yes.

And I'm going to tell you why.

But first, do me a favor.

Say hi, right down below.

Go ahead and make a comment.

Let me know where you're at.

Let me know where you live.

I love to meet everyone from all over the world.

Here at Get Lean in 12, we are all about the community.

And we want to keep bringing you great information,

so please say hi.

Hit a Like.

Hit a heart.

Hit a Share, if you love this information.

Now, I have a problem.

I have four bulging disks, L1, 2, 3, and 4.

In my lower back, OK, is bulging disk.

L5 is a herniated disk.

And as you know, there is no cure for a herniated disk.

The only cure is to either have it lasered

or to use stretches or any kind of things

that can combat the pain, to get inflammation down, and also

use it to help you in aiding, so that when you do exercises--

because me, personally, I love to high intensity train.

And it's one of the things that is

in my heart, my passion, and my love,

is I love to metabolically crush belly fat, right?

Love crushing belly fat and love feeling like I'm a lot younger.

So if you're over 35, if you're in the age of 40, 50, 60,

this is going to be for you.

Now, by the way, up top here, you're going to see the link,

or on the side.

Don't click that link just yet, because I

want to show you these stretches that are going to help you.

And then at the end, I'm going to show you what kind of types

of exercises, by going to this link at the end,

that I do to stay nice and fit and get

the body that I desire, being over 40,

because I'm 44 years old.

OK.

So let me get into this.

Look what I have right here.

So basically, I just have a regular bath towel, OK?

You're going to fold your bath towel, like you

can see I have here, right?

Maybe fold it one more time.

And then, as you fold this bath towel--

make it nice and long just like so--

we're going to do four different stretches that

are going to help you with lower back pain.

If you have any herniated disk, I highly

recommend you definitely check with your doctor

before you do any of these.

But these are tremendous.

Now, I do want to say this.

I have paid tons of money in chiropractic and also massage

therapy to learn what I know now.

And the one thing that works the most for me

to eliminate tension and help put

a lot less stress on my lower back are these stretches.

And you're going to get them today, right now,

for absolutely free, just for stopping on the feed today.

Don't forget to say, hi, OK?

All right, so let's go down on the ground.

Now, you're just going to lay back just like this.

OK, my left side, because of my SI joint

and where my herniation is, my left side is affected

a lot more than my right.

I highly recommend you do these stretches

at least once every other day.

If you can do them every day, it's even better.

You'll eliminate a lot of tension.

So first, the towel, I'm going to leave right here, because I

want to show you something.

I'm going to leave it right here, all right?

First, let's just do this simple.

So you're going to lean back.

Take the pressure off your head by leaning straight back.

OK, the first stretch is going to be just like this.

Interlock your fingers.

Come up here to your knee.

Bring your knee into your chest, nice and slow.

OK, leave this leg straight on the ground.

Pull this in as far as you can slowly.

Remember, when you're stretching,

those muscles could be cold.

You do not want to pop one of those muscles.

So as you can tell, I've been doing my stretches,

and I can get this pretty far back.

You may be even tighter.

Pull this as far as you can back until the thigh

touches your chest, OK?

Once you've got that in there, I want

you to hold that position for approximately 20 to 30 seconds,

no longer than 20 to 30 seconds, OK?

Once you have that all the way in,

and you've worked that muscle, be nice and warmed up,

then what you're going to do is you're

going to release on your knee.

You're going to put your right hand on your left knee,

and you're going to start, with his hand down on the ground,

and you're going to start to pull

on your knee towards your hip.

OK, now, you're going to feel all kinds of tension in here.

With me, in my herniated disk, I feel all this SI joint

starting to tighten up--

I mean, loosen up.

And I start to feel this right here loosening

as I pull down on this knee.

Now, the object is to keep the other leg on the ground,

nice and flat, and don't roll with it.

Let the leg roll with the hit on my left side, just like so.

And then, again, release the neck,

because my neck was getting all tensed up.

Pull this down, and try to do this slowly.

And just keep moving till you can get it about that far.

Hold it, and deep breaths, OK?

And then exhale.

So in the nose, exhale.

And you want to concentrate on this.

I'm talking while I'm doing this.

It's not easy to do.

But I want you to work to get this knee as to far down

to the ground as possible, OK?

So I'm going to let up on that, because that's

about 20 to 25 seconds.

Back in-- you can bring this back in,

just like so, and then the knee back over one more time.

Now, you want to do these each about 20 to 30 seconds,

and then relax for 20 to 30 seconds.

And then you can start again.

All right?

I'm shooting this video here for you,

so I want to make sure I get all of this in.

And I don't want to take all your time up today.

So this is two of the stretches out of four

I want to show you, OK?

The next is a figure four.

You're going to take this knee, pull it out.

Pull this ankle in.

Bring your other knee up just like so.

Hold this leg.

Then put your hands in an interlock

underneath your thigh.

Lean back, and bring in the knee.

Now, when you do this, you're going

to feel a lot tension down in here, OK?

You're stretching all these muscles, hamstrings.

You're stretching the glute.

You're stretching all in the thigh.

That's important, but it's also pulling

on your lower back muscles, OK?

Believe it or not, this is all affecting your lower spine.

And those vertebrae, they love you for this.

They will love you for this, trust me.

I have, for years, had so much back pain.

And if you do these stretches religiously, I promise you,

it will either eliminate or reduce dramatically your pain.

Remember, 20 to 30 seconds, bring this in slow, and then

release.

OK?

That's your third stretch.

Your fourth and final stretch--

you're going to use your towel.

You're going to bring this, just like this,

underneath your foot.

OK, now, the object here is to be about even on the towel

with where your foot is, OK?

Then this knee, I want you to work to get this knee

to straighten out.

Now, you can see I have a little bit of a bend, not much.

But slowly, I'm going to push on my thigh.

Meanwhile, I'm pulling this way on my foot,

and I'm keeping this from bending, so that I'm

stretching all of this.

And it goes right into the bottom of my spine,

into those vertebrae.

Now, I'm using the towel, because I

don't have another person here to help me stretch.

And I'm sure you probably don't either.

So this leg should be on the ground.

Make sure you work to get this in.

Remember-- slow, very slow, on doing these movements, OK?

Move this in.

Get it in.

And then, you want to work to pull

the towel towards your head, more or less.

And you're working to bring the whole leg back

at an angle towards your head and feel all that tension right

here.

Do not do this fast.

Make sure you pay attention.

OK, I want you to feel the best that you can feel.

And the only way it's going to happen

is to keep your muscles nice and loose.

We don't want them to pop, OK?

20 to 30 seconds on this--

and you can do this with one hand.

You don't need two hands to do this.

If you use two hands, you might pop your muscles.

So be careful.

It just needs a little bit of tension.

As you can tell, I can rock that just a little bit.

OK, now let loose.

Ooh, I can feel that, right into my SI joint.

OK, now you have to do the other side.

So again, knee in, I can feel all

that stretching all down in my glute, all into my hamstrings.

And in my lower back, I can feel that, OK?

The favorite stretch of mine is the next one,

which is, again, hand down, hand on the knee.

Bring it down and stretch just like so.

Try to keep the top of your back, which is your scapula,

on the ground.

And you can see that this side--

see how loose this side is?

I can go all the way down just that fast.

It just goes to show you how much tension I

have all the time on my left side

from having that herniated disk, which

is pinching a nerve root normally,

And it causes me a lot of pain.

So I'm trying to help you eliminate that pain,

so that you can use your body to have the body that you desire.

And the only way that that's going to happen

is to use some exercising that I have for you

and specific protocols that's geared

for people over the age of 40.

I'm going to show you that in a second.

So now, that's your second stretch, right?

Figure four-- don't forget, bring it up just like so.

Oh man, I have a lot of tension over here,

because I worked late yesterday.

And what happens?

Lactic acid starts to build up inside those muscles, right?

So these stretches, I'm going to tell you right now,

we all do not stretch enough.

We should be stretching religiously.

And if you're not, please do so, because your body

is going to thank you.

All right, so there's your third stretch.

And then, your fourth stretch, again,

is going to be the towel on the foot, just like so,

leg down, hand down by your side.

But you want to get that knee straight just like so.

On this side, you can tell I don't have a lot of tension.

So I can stretch this pretty far automatically,

because I'm pretty limber, because I

do these stretches religiously.

And you want to do just like that.

And you want to hold it 20 to 30 seconds.

And remember, 20 to 30 seconds on, 20 to 30 seconds off.

If you have someone that can help you with this,

they can stand behind your leg, put their hand on your knee,

just like so, and your foot up on your shoulder.

And they can bring it in.

But if you're like me, most of the time,

I don't have someone here.

And then, I just use this towel, which works tremendously.

All right.

So there's four stretches for you

to help eliminate or reduce lower back pain caused

by a bulging disk and/or herniated disk.

Now, the thing is, with that said,

why do I do these stretches?

One, I want to be able to exercise.

I want to be able to have the body that I desire.

If my back is hurting me, I cannot exercise.

There is no way that I can even exercise on machines, much less

alone, using body weight and doing

any kind of metabolic circuit that

could help me lose and shed the belly fat that I have today.

Now, how do I do that over the age of 40?

I use a system called the Over 40 Ab Solution.

At this link above, you're going to see it's specifically

designed for the people that are over the age of 35, geared

for people's hormonal conditions in their 40s, 50s, and 60s.

And if your back is not hurting, and you

have used these stretches to help

you gain your strength back, and you're able to exercise,

this system that's at this link up above

is the exact system that you can use

to help you get the body that you desire.

Now, don't forget, I want everybody to say hi to me,

please.

Down below, if you love this video,

if you love these stretches, do me a favor, again, hit a Like.

Hit a heard.

Hit Share for me.

Share this video with as many people as you can,

because I want to help eliminate the pain that's

out in the world.

And trust me, you don't need a chiropractor,

and you don't need massage therapy sometimes to help.

You just need simple stretches, OK?

Don't forget-- time to click this link up above.

I want to thank everybody from all over all for stopping today

on this feed.

And keep going strong.

For more infomation >> Eliminate Back Pain Using These 4 Simple Stretches - Duration: 13:45.

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simple arabic mehandi | bridal mehndi designs for hands | full | back | henna front hand | easy cone - Duration: 2:35.

COPY RIGHTS

For more infomation >> simple arabic mehandi | bridal mehndi designs for hands | full | back | henna front hand | easy cone - Duration: 2:35.

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Découvrez cette astuce simple pour aider vos enfants à prendre leurs médicaments - Duration: 4:46.

For more infomation >> Découvrez cette astuce simple pour aider vos enfants à prendre leurs médicaments - Duration: 4:46.

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A simple life and a Turkish market (english sub) - Duration: 9:01.

We are going shopping

to an open market that i really like

We took backpacks

to do shopping

It's like 25-30 min by walk

It's raining a lot

and we are walking then finding shelter, walk, find a shelter, walk, find a shelter...

Jose is there

rain everywhere

anyway, what can i tell you...

during this good time

It's raining a lot since few days

with thunders

hopefully this is all the bad weather we have before the sun coming

for March which is tomorrow

no rain anymore and only sunny days !

But well... this is just what I wish

I don't record a lot at the moment

because I don't do very interesting thigs, i have nothing to record

i have nothing to show you

Today I took my camera because the market where we go is nice

I really like it

everything is home made

the sellers are villagers, who are making their own cheese, olive oil... etc

everything

I want to record that

I hope i can (check the battery)

I will show you the "organic" stuff in Turkey

knowing that here they don't specify they are organic (like in France)

but we know they are

everything is from villages

Ok let's go

we find shelter in another place

it's not easy to do shopping !

Turkey is the fourth world productor of olive oil in

is it bread ?

phyllo dough

you made it ? Yes

so nice

A Turkish speciality is the herbal daisy tea

it's dry

you can find the tea bag also

but i like the leaves, herbs, flowers...

i'm going to try for the first time

it's smelling good

here, women use it for hair care

you can find the fresh daisies also or dry like that

You boil in the water and you put the water on the hair

twice per month, or once

I'm back to the open market

the market that i like so much

there are everything there except meat

we buy also the rice, cheese...

i'm going to show you what i bought

there is not lot because we'r moving to a new apartment

where we gonna stay this time, for long

i'm very happy

no roomate this time

I don't want to have a roomate

because i need tranquility, do my yoga

have all my concentration

have calm and space for me

so we are leaving. they area is not as good but at least the apart is nice

so i bought stuff just for few days

we already have eggs, butter

pasta, boulghour

that's all

and oinion and garlic

bananas are expensive than the others fruits

same price of France

a lot of cheese, this is a lot for just few days

I asked for 5 tl and he gave me all this

5 tl is 1€

I bought dates, 2€

I've tasted, it's tasty

You can taste everything there

they sell all kind of nuts, almond, berries...

artichokes

it's the period

they already cut them, this is good

i'm the only one who eat it so i didn't buy so much

we already have a lot of carrots

all the green stuff are very cheap here

we leave on sunday morning, we are wednesday

there is an important website in Turkey called Sahibinden

People here adviced me to create my profil on this website

to have chance to find people, students who want to have private lessons

I post that i give french lessons

and someone called me through my ad

and asked me if I am escort girl

when i asked him where he found my number for asking me this kind of question

he answer me "on the escort girl website"

no i don't think so.

now, i don't know how to delete my profil. I don't know what i did

i can't access to my account

it's boring

accidentally, I ripped his teeshirt

we got in a fight, for fun

for fun like children

but this goes south sometimes

like this

his pyjama is like that since oe month

we don't have thread

we have a needle but not thread

we almost forget and his teeshirt is getting worse

I gave my first french lesson also

it's was nice

Well Jose Antonio is in a strange position

when he is watching a movie

he needs to have a pillow on his head

an other between legs

of course he ate all the Doritos

here

and I guess he'll go to sleep soon

he can't hear anything I can say everything

well, kisses !

For more infomation >> A simple life and a Turkish market (english sub) - Duration: 9:01.

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Simple Pizza Sandwiches with Salami || [ENG SUBS] - Duration: 2:30.

Simple Pizza Sandwiches with Salami

All ingredients & quantitative data are listed & linked in the infobox below.

Welcome to a new video...

...today a super simple recipe for quick pizza sandwiches topped with salami...

...for that we only need 4 simple ingredients in addition to salt & pepper...

...first we need 4 slices bread...

...simply cut into about 1 centimeter thick slices...

...also cut salamis into thin slices...

...next, mix together 100 grams creme fraiche, 100 grams grated cheese...

...& a pinch of salt & pepper...

...until everything is well combined...

...if that's finished the preparations are done...

...now line a baking grid with baking paper...

...lay bread slices next to each other onto the grid...

...then spread them with a heaping tablespoon cheese mixture...

...finally top with salami slices...

...& bake in preheated oven at 200°C for 12 - 15 minutes...

...until breads are crispy & cheese is melted & golden brown...

...now get the done pizza sandwiches out of the oven...

...& best serve immediately...

...I hope you liked the video...

...I wish you a good appetite...

...have fun baking & see you next video!

For more infomation >> Simple Pizza Sandwiches with Salami || [ENG SUBS] - Duration: 2:30.

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What To Do When The Stock Market Crashes (The Answer Is Simple, But Not Always Easy!) - Duration: 17:18.

What should you do when the stock market crashes?

Stock market crashes can be some of the hardest times to be an investor especially if you're

just starting out.

If you haven't been investing for very long it can be pretty scary seeing your Investments

go down by 20%, 30%, 40%, or even over 50% in the span of just a few short months.

Earlier on this channel, I did a video going over many of the major stock market crashes

of the past 50 or so years.

I went over how big of a hit the market actually took, as well as how long it took for the

market to recover its previous high.

I then extrapolated that information and discussed what would happen to someone's net worth if

they sold their investments when the market crashed compared to if they just stopped investing

during the fall and even if they kept investing the same amount or more during the crisis.

And in that video, we found out that most Market crashes don't last more than 2 or 3

years (obviously there were exceptions such as the dot-com bubble or the housing crisis

but most were not that long or that bad).

We also found out that continuing to invest as much as you were prior to the crash or

even more could have a pretty significant effect on your net worth as compared to stopping

investing during the fall or even worse selling your Investments.

However, one angle that I didn't really touch on that I kind of wish I did was how much

faster someone could recover their personal net worths during market crashes in comparison

to the stock market itself.

So I'm going to touch on that angle in this video.

Today we're going to see how long it takes an individual's net worth to recover from

various stock market crashes using the S&P 500 as an example.

I'm going to be looking at scenarios where the individual was investing one year prior

to the crash as well as 5 years 10 years and 20 years prior to the fall and show how even

though it might take the stock market say 7 or so years to recover from a crash like

the S&P 500 did during the dot-com bubble it doesn't actually take that long for the

individual to recover from that same crash assuming they keep investing.

Hey everyone Daniel here and welcome to Next Level Life a channel where you can learn about

Investing, debt, retirement, and many other general financial education videos because

the school's aren't going to do it for us.

So if any of those topics sound interesting to you or if you want to learn how to better

handle your money and have more financial freedom be sure to hit that subscribe button

and the bell next to my name to be notified every time I upload a video.

And if you want to further support the growth of this channel you can check out some of

the links I've left down in the description below which includes a 30-day free trial of

Audible and a list of some books on money I'd recommend checking out, or you can share

this video with a friend, and leave a comment below letting me know what topics you'd

like me to cover in future videos.

So as you can tell this video is going to be of the longer variety and in the interest

of keeping this under 20 minutes, I'm only going to be looking at three major stock market

crashes.

The crashes I'm going to be looking at are the crash of the 1970's, the dot-com bubble,

and of course the housing crisis.

I chose these three crashes specifically because the max drop from the market's peak to its

low point during the crash was over 45% in all cases, so statistically, they are among

the worst in our stock markets history.

My hope is that by using specifically these three crashes as examples, in combination

with the knowledge that we gained from my previous stock market crash video, we will

be able to invest more confidently even during less-than-ideal times because we know that

we can recover from any crash.

So without further adieu, let's get started.

The crash of the 1970's began in December of 1972 when the S&P 500 reached a peak of

$118.05 before dropping to a low of $63.54 in September of 1974.

That was a total drop of about 46.2% and it would take the market nearly another 6 years

to fully recover and set a new record high of $121.67 in July of 1980.

In total, this Market cycle lasted for about 91 months, or 7 years and 7 months but how

much of a difference could an individual make if they continued investing during the crisis?

Let's take John, for example, he starts investing $500 a month and decide that he will continue

investing that $500 a month regardless of what the market does.

If he began investing in December of 1971 or one year before the start of the crash.

By the end of his first year of investing due to the market slowly creeping up, he has

a net worth of $6,461.87.

That's when the market begins to tank.

However, John doesn't really notice this, not because he's not paying any attention

to what the markets doing, because he is even though he's not letting it affect his investing,

but because his net worth is actually by and large still going up.

At the end of his second year of investing he has a net worth of $10,649.71.

This trend continues for another 7 months where John reaches what then was an all-time

high net worth of $12,803.65.

At that point, the markets drops finally catch up with him and his net worth over the next

3 months drops from over $12,800 to $10,800, or about 15%.

Now losing $2,000 off your net worth over the course of 3 months is not necessarily

an ideal situation but considering that the S&P 500 is itself down 46.2% since the start

of the crash and John's net worth has gone up since the start of the crash from almost

$6,500 to $10,800 he's not doing half bad.

As a matter of fact, he's up about 67% as an individual despite the crash.

He'd certainly be up even more if the market had continued to grow, but considering the

circumstances and the fact that it only took 4 months before John's net worth was once

again above $12,800, he's doing alright.

And of course as it always does, the market itself eventually recovers and John's net

worth continues growing, but now at an even faster pace.

By the time the market fully recovers in July of 1980, about 8.5 years after John began

investing he has a net worth of $64,825.

Which means that in the 8 years and 7 months that he's been investing, John's average

rate of return has been about 5.25% which doesn't sound that great, but keep in mind

that's his rate of return during a major market crash.

We haven't taken into account any bull market's that may have come afterward.

We just had him start investing a year before the crash (so he was buying at basically the

highest point of the market) and until the market got back to where it was before the

start of the crash.

That's it.

During that same span, the market gains very little, if anything, while John only sees

a temporary 15% drop in his investments which disappears completely in 4 months and he still

earns 5.25%.

Those are the things to keep in mind here.

But while it is nice to know that we're less likely to personally feel the brunt of a market

crash if we haven't been investing for very long obviously the numbers do change a bit

if we have been investing for a while.

Let's say John had been investing for five full years before the start of the crash.

What would the numbers have looked like then?

Well, we would see that John has a $37,300 net worth when the market hits its peak, which

actually ends up rising to about $39,200 due to the fact that the market didn't drop

like a rock right away in this particular crash.

However, when the bottom really did fall out of the market his investment's net worth

dropped from that $39,200 net worth down to just over $27,000 in 11 months.

It was a 31% drop and John wouldn't personally recover from it for another 7 months.

Meaning that the cycle starting from when the market reached its peak to when John himself

recovered took 18 months or about a year-and-a-half to complete.

When the market fully recovered in July of 1980 John's net worth was just over $96,000.

So, again during that time span, the market gains very little, if anything and John's

sees a temporary 31% drop in his investments, which is big don't get me wrong but not

nearly as big as the 46% drop the market experienced, and it disappears completely in 7 months and

he still earns 3.75% per year during one of the worst crashes in the stock market's

history.

And of course, that's not counting the bull market that followed this crash which saw

the S&P 500 reach a value of about $330 per share, which is over 2.5x the value of the

market in 1980, before the flash crash of 1987, which lasted less than 2 years.

Anyway, the percentages weren't as good as in the previous example where John only

started investing 1-year before the start of the crash but that makes sense, right?

If you had been investing $1,000 per year and buying 10 shares of stock worth $100 each

for 20 years... your 200 shares would be worth $20,000.

Then if the market crashes and your investments go down by 50% the next year you would still

invest your $1,000 but this time you would buy 20 shares of the stock since it is now

worth $50 per share and your net worth at the end of the year would be $11,000.

Meaning your net worth is down by 45% since before the crash.

However, if you had been investing the same $1,000 per year into the same $100 stock but

for only one year, you would only have 10 shares before the start of the crash and those

shares would be worth $1,000.

Then the market drops 50% and you invest your $1,000 and buy 20 shares at $50 per share

which gives you a total of 30 shares worth $50 each or an investment net worth of $1,500.

So you're up 50% year-on-year, despite the crash because you're buying low while the

investment is effectively on sale and because the amount your investing, in this case, the

$1,000 per year, is still a sizeable percentage of your net worth.

And we see this mathematical phenomenon play out in each scenario, with the largest percentage

drops in John's personal net worth getting closer and closer to what the market actually

dropped, but never quite getting there because he's recovering some of his losses by buying

more shares when the market is low and the time to recovering his personal net worth

getting longer and longer, but again not ever becoming quite as long as it took for the

market itself to recover.

In fact, in the crash of the 1970's, even when John had been investing for 20 years

before the crash started, he still only takes 48 months or 4 years to recover his personal

net worth compared to the 91 months that it took the market to recover.

And we see this pattern continue into the Dot-Com Crash.

The Dot-Com crash began in August of 2000 when the S&P 500 reached a peak of $1,517.68

after a phenomenal run through the 1990's before dropping to a low of $815.28 in September

of 2002.

That was a total drop of about 46.3% and it would take the market nearly another 5 years

to fully recover and set a new record high of $1,530.62 in May of 2007, not that it ended

up lasting long as we now know.

In total, this Market cycle lasted for 81 months or about 6 years and 9 months but the

numbers for John look fairly similar, if not a little better than they did during the crash

of the 1970's.

As you can see the months to recovering his personal net worth are a little longer during

the Dot-Com crash, in part because it took quite a bit longer for the market to reach

its lowest point than it did in the 1970's, but compared to the crash of the 1970's

it was a much slower climb back to the top of the market.

For instance, once the market got to the point where it lost 40% of its value, it took 9

full months to get back below that 40% loss mark and another 7 months to get past the

30% loss mark.

The point I'm trying to make here is that once we got to the low point of the market

during the Dot-Com crash, we stayed pretty close to it for a long time!

That means that we had many opportunities to buy our investments when they were on a

huge sale and that's why you see such a big difference in the net worth figures at

the point when the market recovers during this crash compared to the crash of the 1970's

and also as you can see on your screen now, the housing crisis.

The housing crisis or the great recession began in October of 2007 when the S&P 500

reached a peak of $1,549.38 before dropping to a low of $735.09 in February of 2009.

That was a total drop of about 52.6% and it would take the market another 4 years and

1 month to fully recover and set a new record high of $1,569.19 in March of 2013, which

has been the bull market that we have basically been riding ever since.

In total, this Market cycle lasted for about 5 years and 5 months and as it turns out,

it performed much like the crash of the 1970's when it comes to the numbers, just with a

bigger drop from the top of the market to the bottom and a shorter cycle of recovery.

As a result, the numbers look pretty similar.

WHAT YOU CAN DO: But that's kind of the point, isn't it?

We've already covered how most market crashes don't last much more than a few years, but

as we see now, even the ones that do can be managed to a certain degree, by just staying

the course and continuing to invest.

This is especially true if you've only recently started to invest, or even if you've just

now started to invest.

So it's October 26th as I'm recording this audio and the market has been stumbling

for most of October with the S&P 500 being down nearly 10% from it's all-time high

that was set in late September and on the off-chance that the market does experience

a crash in the near future I figured it would be good to have this video in my log as a

follow up to the last one to help remind us that even in the bad times we can do fairly

well.

After all, as I said, when the stock market crashes it's like we're buying everything

on sale and when the time comes that things aren't on sale anymore we'll see our net

worths skyrocket.

That's the takeaway I want you guys to get from this.

From an investing perspective, stock market crashes are not a bad thing.

And don't ever let the fear of one happening keep you from investing in the first place.

Really the worst thing that could happen to you during a stock market crash is losing

your job and not being able to get another one.

And if that's something that worries you, I know, believe me, I've been there, then

there are a few things that you can do.

First is to obviously build up your emergency fund, another, like we discovered in my last

video on these market crashes is to invest more into the market during crashes while

you still can, but yet another option that not enough people take advantage of I feel

is to diversify your income streams.

Now, I don't know if that's just because people aren't sure how to do it or if they

just feel that they don't have the time to do it or what the reason is, but I would

highly recommend looking into it.

Heck, I could even start making videos on the subject, I've been working on diversifying

my revenue streams for nearly the past 2 years now and it's really taken a lot of stress

off my shoulders and I think that it could for lots of other people as well.

I mean, even an extra $100 or $200 a month could really help speed up our abilities to

pay off debt, or invest and retire early, or even just have some extra fun money.

Would that be something that you guys would be interested in?

It obviously wouldn't replace these finance videos, I'd still do these like normal,

but I could do the other videos in addition to the regular content and I think that it

would help round out the channel because thus far I've only really focused on one side

of the financial equation which is the side where you're saving money through paying

off debt and budgeting, but there are two sides to the equation.

There's finding ways to save money and there's finding ways to make money.

Anyway, I'm rambling on too long here, let me know in the comments section below if that

would be a type of content that you'd be interested in watching.

But that'll do it for me today once again if you enjoyed this video be sure to subscribe

and hit that Bell next to my name so that you'll be notified of all my future uploads.

I generally upload every single Monday, and if you have a friend that would be interested

in this kind of content be sure to share it with them and let's really get this information

out there and start our own Financial revolution.

For more infomation >> What To Do When The Stock Market Crashes (The Answer Is Simple, But Not Always Easy!) - Duration: 17:18.

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Hacking Relationships With Two Simple Apps - Duration: 10:27.

- I think we've all heard the phrase

it's not what you know, it's who you know.

And I think some of you have maybe even heard the phrase

your net worth is in your network.

I think we can all agree that having

a larger network is a good thing.

It's people in our lives that

can help us get through problems.

People in our lives that can help challenge us

and work towards our goals.

People in our lives that can help us get more clients

and people that can refer work to us.

People that can connect us with other people,

that can then in turn connect us to more people.

It's an exponential growth in our network.

The problem with this though

is that most of us in the audio world

aren't just bad at networking.

We're horrible at it.

And I'm including myself in this conversation,

because I am awful at this.

Tell if you can relate to this.

I meet someone, we have a good conversation,

there's a good connection between the two of us.

There's something I could probably learn from them.

Maybe something I could even teach them in return.

A good mutually beneficial relationship.

And then I just let it fade away.

I don't follow up, I don't email, I don't text,

I don't set up another lunch.

Just it fades away,

and then I never talk to them again.

This is something that happens to me

on a weekly or even daily basis,

so if you can relate to this, it has to stop.

The reason is, if you can't build

a basic relationship with people

and then take that relationship and go deeper with it,

it's gonna lead to a lonely career

where you're just stuck in your audio cave

turning knobs and editing stuff with no friends

or people to really connect with.

You can go broke because you don't have

people out there referring work to you,

and you can get stuck with problems that you can't solve

because you don't have friends to go to

and other colleagues to go to

to help you solve those problems.

So in this video I wanna show you two different free apps

that I've been trying out in order to help systematically

and effectively build and nurture my network

without letting all of these relationships

just slip through the cracks.

(upbeat electronic music)

So before we start talking about the two specific apps

that I ended up trying out,

I wanna talk about what my main goal was for these apps.

Because there are so many different

relationship management apps out there

that if you don't have the right goal in mind

you can't find the right app for what you're trying to do.

So my main goal was simply this:

to be able to import my important contacts into the app

and then have the app let me know when I should be

following up with them based on my criteria

of how often I want to follow up.

I wanted it to have built-in reminders.

I wanted it to be easy to use

and have good reviews on the app store.

And I wanted to be able to easily fit it

int my weekly routine because I am a person

that my entire life in business is built off of routine.

My life's motto is basically

habit and routine over motivation.

Motivation is something that will come and go.

It ebbs and flows.

But habit and routine are something

that I can depend on every single week

in order to get the things done that I need to get done.

So this app had to easily fit into my weekly routine.

So the two apps that I have started using right now are

Ryze, which is only iOS,

and LincSphere, which is iOS and Android.

Both of these are doing roughly the same thing,

so you can kind of look over this video

and see which one you like more.

But there are pros and cons of each,

and I'm gonna cover that in this video.

So the first app we're looking at here is called Rise.

And this one is the most simplistic

of the two apps that I'm looking at today.

This one is also the better design

of the two apps I'm looking at today,

but this one also has more crashes

than the other one that I'm looking at today.

So the gist of this is this.

You go to your people,

and you start importing people down here.

And we're just gonna look for one person.

And we import Mom into the phone.

Which, obviously we're not gonna forget

to follow up with Mom,

but just pretend this is a friend of yours.

If you have any notes about this person,

maybe some specifics about a meeting,

or something you wanna mention the next time we talk to him,

you could add a note there.

And then you swipe over

and you add how often you want to

actually follow up with this person.

So some people in your life,

you wanna make sure that you're following up every few days,

once a week, once every two weeks.

Let's just say this is an acquaintance

or an emerging acquaintance,

and you just wanna follow up every month or so.

You select there,

and you are basically done.

Now the negative of this app,

it should just take you to

a home screen or something after this,

but instead you have to hit back and back,

and it's just not really well laid out.

But now you can make buckets of people.

I have mine set up here.

Mentors, friends, business peers,

real estate and emerging acquaintances.

Mentors are the people in my life that I'm looking

for guidance for specific issues that I might have.

There's relationship mentors, there are business mentors,

there are finance mentors.

There's all sorts of people in my life

that I would consider different mentors in different areas,

and so as I'm adding people to this app,

I'm putting the relevant mentors into the bucket of mentors.

So if I click that I can just look at

all of the mentors that I have in my life,

at least in this app right now.

Obviously I haven't added all of them in there yet.

Then we have close friends.

This one is kinda one of those things

you don't necessarily have to do

because most of my close friends I'm in touch with

on a daily or at least weekly basis,

so it's kind of redundant,

so I may end up removing that category.

Then you have business peers.

These are people in my life

that are other audio professionals,

other bloggers, or just any sort of

business peer that I look up to.

Then we have real estate.

I do real estate on the side.

I'm a real estate investor.

And so anyone that matches that bucket, I put in there.

And then have emerging acquaintances.

These are the people that I'm trying to

actively build and nurture relationships with,

and so these are the people that

I'm gonna probably follow up a little more often

than some of these other relationship.

Some of these relationships like real estate,

some of these people I might only

follow up with once every quarter.

It's not that big of a deal,

but it's someone that I might need in the future,

like a broker or an agent

or an investor or something like that.

And once you've added people to your list,

it's gonna just have in your reminders,

and also you get a popup on your phone when this happens.

You're gonna get reminders that

you need to follow up with this person.

So let's just say my friend here.

I need to follow up with them.

I haven't talked to 'em in two weeks.

I hit this text button.

It's gonna open up the text in here,

and I can follow up with them.

So this does really match all the things I'm looking for.

It does fit into a routine where I can just open up

the app every week or every few days

and see who I need to follow up with.

It does have the automated follow up reminders

that popup on my phone when I haven't contacted

someone in X amount of days or weeks or months.

It's fairly easy to use,

although I do have some gripes with it.

It does crash occasionally,

and there are some features that

could be better implemented, I think.

The second app I wanna show you is called LincSphere.

This one is a lot more in depth.

There's a lot more to this one,

and this is one of the newer ones I found

as I was researching for this video.

And I think I actually like this one more,

but it's a lot more complex.

And it does have limitations with its free account.

So the negative with this one is

you can only add up to 25 contacts,

which I think is more than enough to really try it out

and see how it works and see if you like it or not.

And then to add unlimited contacts,

it's about six or seven dollars a month.

So this one allows you to scan business cards.

It allows you to open up all of

your phone's contacts in one place.

It allows you to add contacts in multiple ways

through a csv file or through your phone's contacts

or you can import it from some other source.

You can make an introduction in this app,

or you can actually connect two different people

and it tracks in the app who you've connected to who.

You can actually send a referral,

where you're referring one client to another client.

And it also tracks those long-term as well,

and then allows you to look up your follow-up list.

Which, again, this is what I was ultimately looking for

was to have a follow-up list of follow-ups that are due

and then follow-ups that are upcoming.

So on the left side is all the names of the people.

You can add photos if you want,

or sometimes your contacts automatically

have photos on your contact card.

And then it shows you on the right side

when you should be following up with them.

So once it hits that date,

let's just say November 4th for that top contact,

then you go to follow-ups due, it'll show up in that column.

Now let me show you how I would

actually add someone from start to finish.

You would go to My Contacts.

You would go to this button at the top left,

importing from your phone's contacts.

You'll just search a name.

Hit import selected.

Use follow-up sorter, so you're gonna set

how often you wanna follow up with this person.

With Mom, let's just say I wanna follow up with her weekly.

And now when we search through my contacts for Mom,

I can add notes, I can interact.

I can even add her to those same buckets

that I had before with something called quicktags.

I can say she's a business peer.

I can say she's an emerging acquaintance.

I can say she's in the real estate, which she's not.

Save selections, save,

and now if I interact with her, send a text.

Now that I've texted her,

it shows that I had reached out to her by text.

And there's even something called a helpometer.

I haven't really researched too far into this yet,

but you can basically log when you've given them help

and when they've given you help.

And I guess it's a way for you to track through an app

to make sure that they're not giving you

too much value without you giving any value in return.

So it helps keep the relationships even.

So I'm really just scratching the surface of this app.

There's a lot more to it.

And so maybe it works, maybe it doesn't for a lot of you.

Especially considering the limitations on the free account.

But this is just an easy way for me to open up the app,

look at my follow-up list, see what's upcoming,

and see when I need to follow up with people

and stay on top of those relationships.

This is just a quick and easy way

to make sure I'm not letting all these

relationships slip through the cracks

and that I am constantly nurturing

and pushing relationships forward.

And hopefully adding as much value along the way as I can.

Whether you use any of these apps or not

doesn't really make a difference.

The point is making sure you're using some sort

of systematic way to stay on top of your relationships,

your personal relationships.

And so my rule is basically this.

KISS.

K-I-S-S.

Keep It Simple, Stupid.

If you try to use some really overly complex solution

for a very simple problem,

you're just gonna fall off the wagon

and you're never gonna use it,

and then eventually you're right back where you started.

If you keep it simple, you stay consistent,

you make it part of your routine,

this is gonna be a game changer when it comes

to building and nurturing relationships

and expanding your network and opening up all sorts of

opportunities that you never even imagined

simply because you use some little app

to make things happen instead of just

sitting around waiting for things to fall into your lap.

If you found this video helpful,

I encourage you to take action on it.

Start implementing these into your business, into your life

and start making changes.

And if you want a little bit more deeper content

about stuff similar to this, just business related things,

how to get more clients, how to get more leads,

how to make more sales, how to really position yourself

as a premium service, a premium studio,

then I'll encourage you to go check out my free workshop

over at TheProfitable.studio.

Again, that's the URL, TheProfitable.studio.

In that workshop I go over a lot of different things

that you can use to implement into your business

and it's very similar to this video

where it's action-oriented.

I do some screen sharing.

I show you specific steps that you can

use to improve your studio today.

So if you wanna go do that, just go to TheProfitable.studio.

Until next time, thanks for watching.

Happy hustling.

(upbeat electronic music)

For more infomation >> Hacking Relationships With Two Simple Apps - Duration: 10:27.

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Peoplesoft to Oracle Cloud Accelerated Cloud Migration Made Simple | Cognizant - Duration: 1:32.

PeopleSoft application suite migration to Oracle cloud infrastructure for a

world leader in sustainable waste and energy solutions.

Our client wanted to

migrate its PeopleSoft financials and supply chain application suites to

Oracle cloud infrastructure to achieve a scalable infrastructure, flexible support

services and reduce total cost of ownership. Cognizant worked with the

client to prepare deployment architecture that leveraged high

availability configurations, disaster recovery setup and multi virtual cloud

network design to meet guidelines provided by the client security teams.

The client achieved 20% reduction in their infrastructure costs. Performance

improvement by 15 to 20 percent across all PeopleSoft application functions and

the advanced security configuration improved security controls and

governance to meet their auditing requirements for SOX compliance.

Cognizant successfully executed the migration of a large PeopleSoft

enterprise application to Oracle cloud infrastructure and its proprietary

one-click migration tool sets provided rapid, automated provisioning that

accelerated cloud migration completion within weeks not months.