Hi Friends welcome to C4E Wrestling News How Much Input Daniel Bryan Has in WWE Storylines
WWE is changing in a lot of ways They are pushing wrestlers that you wouldn't normally
think could be on the top of the card This could be largely thanks to current WWE Champion
Daniel Bryan Dave Meltzer mentioned on Wrestling Observer Radio that Daniel Bryan lost to Kofi
Kingston again on SmackDown Live It turns out that this was likely Daniel Bryan's
idea because he is looking for people to face which is also why he apparently pulled for
Mustafa Ali's push as well That's probably Daniel Bryan's idea I'm sure that he has
got a lot of what's the word I'm looking for?
He has got a lot of input about what's going on I mean Mustafa Ali's his guy essentially
So you know look he is looking to make contenders for himself I'll put it this way, he's
right on the border One more time and I'll think it's a cliche now it's three Maybe
it's one too many at this point WWE didn't book Kofi Kingston to beat Daniel Bryan clean
in a singles match this week on SmackDown It was in a six-man tag so that takes a bit
of the heat off of the loss Still Bryan is putting guys over because he wants to face
talented wrestlers Now it seems like he has the backstage pull to get that done Friends
what are your thought about this Have your say in the comments section below
For more infomation >> How Much Input Daniel Bryan Has in WWE Storylines - Duration: 1:46.-------------------------------------------
What To Know For Next Tax Season If You Don't Want To Owe The IRS | NBC Nightly News - Duration: 1:45.
For more infomation >> What To Know For Next Tax Season If You Don't Want To Owe The IRS | NBC Nightly News - Duration: 1:45. -------------------------------------------
FOX TV - What do you REALLY need to save for retirement? - Duration: 21:56.
It's the million-pound question: how much is enough when it comes to saving for retirement?According to official figures, four in ten of us are underestimating what we need to set aside
Half of the 12 million workers 'under-saving' earn at least £34,500 a year, according to a Government study of its flagship workplace pension scheme
That means 6 million middle-class workers face a drop in their standard of living when they retire, unless they act now
Look ahead: Half of the 12 million workers 'under-saving' earn at least £34,500 a year, according to a Government study of its flagship workplace pension schemeMost people save into 'defined contribution' plans that are linked to the stock market
With these deals, working out just how much you need to set aside to ensure a comfortable retirement is tricky
So how much do you need in old age? And how can you make sure you're saving enough? Money Mail has the answers
RELATED ARTICLES Previous 1 Next Double the pain for savers as punishing inflation pushes
The council that ruined Christmas! Residents on Essex estate. The fraud vigilantes fighting back: How Jack, 60 and his
Give children the gift of a savings habit this Christmas -. Share this article Share 96 shares HOW THIS IS MONEY CAN HELP Are you saving enough for retirement? Check with our pension calculator Calculators at the readyYour first task is to work out what income you'll need when you stop work
Experts disagree on what this target should be. Some say you should aim for two-thirds of your final salary
For someone on the average UK wage of £27,000, that would mean an annual income of £18,000 in retirement
The Department for Work and Pensions analysis, published this week, says someone on £13,000 or less should aim to have 80 per cent of their salary in old age, or £10,400 a year
For someone on more than £55,000 it recommends 50 per cent, or £27,500 a year.Other experts suggest setting aside a lump sum worth ten times your final salary
So someone earning £27,000 would need £270,000 to see them through old age.In truth, everyone is different
To work out the right number for you, sit down with a pen and paper and roughly calculate your likely retirement outgoings
Start with essential spending such as utility bills, running the car, the food shop and repairs
The Office for National Statistics says the average annual food spend is £2,808 while gas and power bills cost £1,253
Remember, these numbers will rise every year with inflation.Next, consider the costs of the lifestyle you want
Include holidays, meals out and hobbies such as golf or dancing classes.Take into account practical considerations such as whether your spouse will be relying on your pension, and whether you might downsize your property or move into retirement accommodation which charges fees
How much do you need to save for retirement? The amount that you need to invest each month for retirement depends on how big a pension you want, but it also depends on your age
Our pension calculator can help you understand how much you may need to save.Put in your income, when you expect to retire, how much you are setting aside, your pension pot now, any other funds you have and the percentage of your current salary that you hope for in retirement
The calculator will tell you how much income you could get in retirement, adjusted for inflation, and also your projected total retirement pot
The figures are based on prospective returns from numbers crunched by Fidelity's investment experts, which err on the side of caution
With luck, investment returns will be better and you will end up with an even bigger retirement pot
Click the button above or the pension calculator link here to try it out. Don't underestimate how long you will live, or forget the state pensionDon't underestimate your life expectancy
Many savers only expect their pension pot to need to last them a few years but a 65-year-old can typically expect to live two more decades
Peter Chadborn, director at advice firm Plan Money, says: 'We are living longer in retirement and each generation seems to want a better retirement lifestyle than the one before
You may have 40 years of earning to save enough for 25 years of not earning.'Remember the state pension will lighten your load (get a forecast at gov
uk/check-state-pension or call the Future Pension Centre on 0800 731 7898.The full £159
55 a week flat-rate payout works out at £8,296 a year. So if you're aiming to have a retirement income of £18,000 a year, you'll need to fund about £10,000 yourself
You should multiply this amount by 25 years to work out the absolute minimum you'll need — £250,000 in this case
This figure presumes you'll run down the pot gradually so nothing is left. In reality, you're likely to continue to get a return on your savings during retirement if you've invested them wisely
You won't want the pot to run dry in case you live beyond 25 years, or so you can leave something for a spouse
So think of these figures as a starting point. The Department for Work and Pensions analysis, published this week, says someone on £13,000 or less should aim to have 80 per cent of their salary in old age, or £10,400 a yearHow to cover the basicsThe International Longevity Centre think-tank estimates that workers typically need to save 18 per cent of their salary to obtain these target retirement incomes
With bills, mortgages and supporting children through university, that's far too much for most people to give up
One solution is to start saving as early as possible. This gives your money longer to grow — and means it gets an extra boost from compound interest
Experts say it's a mistake to wait until you don't have a mortgage and the children have flown the nest
Peter Chadborn says: 'A little from a young age is a good discipline — waiting until you're mortgage-free might mean you can save more but you won't have as long to do it
'Jamie Clark, business development manager at Royal London, adds: 'Start small and increase your savings every time your salary rises
This way your pension should track in line with your lifestyle.' The International Longevity Centre think-tank estimates that workers typically needs to save 18 per cent of their salary to obtain these target retirement incomesSay you decide £15,000 a year will see you through in old age
After taking into account the £8,296 state pension, you need to fund £6,700 a year yourself
Multiply that by 25 years and you will need £167,500.If you start saving at age 20 and the funds in your pension pot grow at 5 per cent a year, you'd need to put £82
50 a month into your pension to build up £167,000 by age 65. If you waited until age 40, you'd have to save a much bigger £280 a month to amass the same amount
Under the Government's flagship retirement scheme introduced in 2012, the vast majority of company staff are now automatically enrolled into pensions by default
But not enough is going into their pots. The finding that 12 million people are under-saving comes from the DWP's analysis of its 'auto-enrolment' programme
Currently, only a minimum of 2 per cent of your annual salary must go into your pension pot under the DWP's rules
Half of this must come from your employer (they pay this on top of your normal salary)
Basic-rate taxpayers then have a minimum of 0.8 percentage points and higher-rate payers 0
6 percentage points deducted from their salary and put into the pension. The remaining 0
2 or 0.4 percentage points comes from the Government in the form of tax relief.These numbers will be slightly different in Scotland after the SNP hiked its income tax rates last week
Firms are only obliged to ensure 2 per cent of earnings between £5,876 and £45,000 go into your pension
If you saved 2 per cent of the full average £27,000 salary, a total of £45 (including tax relief and your employer's contribution) goes into the pot each month
At that rate, if you started saving at age 20 you would have just £24,300 by age 65
But the benefits of a workplace pension mean it wouldn't cost the earth to increase your savings to the magic £82
50-a-month mark.At least £22.50 of this would come from your employer (the 1 per cent payment your boss must make), with the Government providing £12 in tax relief
That leaves you sacrificing £48 a month from your salary.Again, these figures will be a few pounds different in Scotland under its tax changes
If you're starting at age 40 and need to put aside £280 a month, tax relief would provide £51
50 and your employer would pay £22.50. That leaves you needing to contribute £206 from your salary
The minimum percentage for auto-enrolment savings will rise to a total of 5 per cent in April 2018 and again a year later to 8 per cent
Saving that percentage from the full £27,000 average income would increase your contribution to £180 a month, or £2,160 a year, meaning you'd comfortably meet your target for a £15,000 annual income
To get the £6,700 not covered by the state pension from an annuity — your main alternative option, which provides a guaranteed income for as long as you live — you'd need to set aside £207,000, according to figures from investment company Fidelity
This is based on a policy for a single pensioner with payouts rising by RPI inflation each year
Contact the pensions department or whoever deals with HR at your employer to find out how much is going into your plan
Good employers often pay in more than the minimum — for example, matching your contribution so if you pay in 5 per cent the company adds another 5 per cent
Under the Government's flagship retirement scheme introduced in 2012, the vast majority of company staff are now automatically enrolled into pensions by defaultSave extra for special treatsMany savers will want more than £15,000 a year in retirement
To get to £25,000, your savings will need to generate £16,700 in income, after the state pension is taken into account
That means building up £417,500 if you want your pot to last 25 years.If you save from age 20 to 65 and your investments grow at 5 per cent a year, you will need to set aside £205 a month
STEEL PENSIONS PROBED Seventeen financial advice firms are being investigated over the Port Talbot steelworker pension scandal
More than 2,000 people have transferred out of the troubled British Steel final salary pension scheme
Experts say workers are giving up a lifetime income for risky funds that charge fees of up to 7
5 per cent. The City watchdog is investigating claims that that they have been given poor advice
Six companies have stopped giving advice: Mansion Park Limited, Active Wealth UK, Pembrokeshire Mortgage Centre, Vintage Investment Services, Retirement & Pension Planning Services and West Wales Financial Services
A further 11 are under investigation.p.thomas@dailymail.co.uk By April 2019 your employer will have to contribute a minimum of 3 per cent of your salary to your pension pot if you join your workplace scheme
So your company would pay in £67.50 a month on the full £27,000 average salary.That leaves you putting aside £137
50 a month. Of this, £27.50 will come through tax relief so just £110 a month would need to come from your pay packet
Someone aged 40 would need to set aside £698 a month, or £504 when tax relief and employer contributions are factored in
Alternatively, to get the £16,700 you want from an annuity you'd need to set aside £545,000, according to Fidelity
If you want the best of the bestIt's beyond most people's needs, but what would you need for a £40,000 income? The answer is £1 million — the maximum allowed — if you're splitting it evenly over a 25-year retirement
Remember, your pension isn't the only asset you'll have available for retirement. Property, Isas and other investments can be useful
Downsizing to a smaller house that's less costly to run will free up cash. According to property website Zoopla, the average asking price of a four-bed house is £486,494, while the typical two-bed costs £295,314
Downsizing would free up £186,414 (after you'd paid stamp duty of £4,766).Say you have built up £200,000 in Isas and other investments
That leaves you a £600,000 shortfall after downsizing your house.To get your pension to £40,000, you'd need to set aside £295 a month from age 20 until age 65
Assuming your employer contributed 3 per cent of your salary, as it will have to from April 2019, you would need to save £182 a month
If you started at age 40, you'd need to set aside £1,005 a month, or £750 when tax relief and employer contributions are factored in
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Body Fat - How Much Body Fat Should You Have At The 12 Week Point Before a Fitness Competition? - Duration: 1:37.
a lot of you all are starting to think about getting into those competitions
but you're not sure where your body fat is at or what should your body fat be at
the three month three month point before you get into a competition
well I asked my coach Quincy Roberts former IFBB bodybuilding Pro forty years
in the sport and also runs the MPC biggest promotion in the state of North
Carolina where I should people's body fat B and the timing of where it should
be it as you're starting to get ready for a show and it starts right now
Quincy Robert welcome to the fitness cubes please like and subscribe to my
video today I'll be talking about what it takes to get ready for competition
and we should be it twelve weeks out for a competition
depending on the level are you doing it for your advanced level national level
they need to probably be no higher than six percent body fat at twelve percent
at twelve weeks out if you're in a novice level competition maybe it could
be depending on division it got many different divisions bikini figure
bodybuilders and physique men's division you still shouldn't be probably over ten
percent in twelve weeks out to be able to get down at least a fiver five to six
percent body fat to be look very competitive on stage four is
conditioning yours if you need help please subscribe to my video you can
contact me through my email QR elite at gmail.com I'm a phone number three three
six nine eight seven four zero zero seven
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WEIGHT LOSS UPDATE / How much have I lost? / Weight Loss Journey 2019 - Duration: 7:06.
Hey y'all! Welcome back to my channel.
Today I have, finally, a long awaited weight-loss update for you guys.
I know it has been quite a while since I showed you guys my starting point video,
that will be linked up above as well as down below if you want to check it out.
But today I'm gonna update you on the progress over the last month
and the struggles and just kind of let you guys know where I'm at.
Real quick, if you're new here my name is Shawna, I make mommy, lifestyle,
and weight loss journey videos here on my channel and I have a almost one year
old little boy who is in a lot of the videos.
If that sounds like something that interests you,
make sure you hit that red subscribe button down below
because we would love to have you join the family.
And if you like this video make sure you give it a thumbs up
and leave me a comment down below because it helps my channel out.
So anyways you guys, let's just dive in and get started
on how I've been doing this last month.
So first off, I am just going to tell you my weight.
I'm around 227 right now.
It's been fluctuating between like 226 and 228,
so we're gonna go with 227.
So that means I've lost about three and a half maybe four pounds total in the last month.
Not a lot. Honestly you guys I haven't been doing great.
For those of you who've been watching my videos,
you know that this last month or so my whole family has been a really sick.
We had colds, mine turn into an upper respiratory infection.
I was sick for a few weeks with that,
and then basically right as soon as I got over that,
we all came down with the stomach bug.
And so it's just been a rough few weeks.
So eating wise I haven't really been doing much.
I've pretty much been sticking to my same old same old diet,
which isn't great.
But there are a few little things that I have been doing to try to lose some weight,
or just to try to be healthier in general.
First is I've started the process of giving up sodas and caffeine in general.
I was drinking two sodas a day.
So when I say a soda, I mean like a 12 ounce can and I drink Dr Pepper.
So I cut that down to one and then after a week or two of that,
I cut it down to 1/2 of a can a day and now I have given up soda.
It's been three days so far, my head is not happy about it.
I do have a caffeine addiction,
so I get pretty bad headaches when I give it up but that's okay.
I know they will go away eventually.
So I gave up sodas.
I also been just in general trying to drink more water.
My goal everyday is somewhere between 90 to 100 ounces of water.
I've been doing pretty good with that I have a 32 ounce cup,
one of those ones it's like supposed to keep water cold for you.
It's like a Yeti but like the knockoff brand.
I try to drink three to four of those a day
and I've been doing pretty good with that.
Just not drinking as much soda has been helping me with that in general.
Then another big step for me,
what I've been doing is trying to take the stairs more.
In my office, at my office, I work on the second floor,
which doesn't sound like a lot I know it's only the second floor
but I have a bad habit of taking an elevator up all the time.
We have really tall ceilings at my office building.
They're like 20 foot ceilings or something.
So the stairs are actually the level of two flights of stairs for a normal flight of stairs.
So they're really really tall
and stairs in general just give me anxiety, I don't know why
but I'm always scared to death I'm gonna fall down them.
like literally will have panic attacks sometimes.
It's a weird weird anxiety but they give me anxiety for some reason.
So taking the stairs is something that I just struggle with in general
so I've been trying to do that more and more.
I still don't do it if I have my hands full
because I want to be able to hold on to the rail
but if I don't have my hands full and have a hand free where I can hold the rail,
I've been trying to take the stairs up and down at work every day.
Which I think has actually been helping a lot.
I know the first two or three days I did it,
I was so out of breath by the time I got to the top of the stairs,
But little by little it's gotten a lot better
and I can do it pretty easily now without getting out of breath.
So, that's a good sign.
But yeah overall the weight loss hasn't been much,
as I mentioned it's been three and a half to four pounds give or take.
My weight fluctuates constantly so who knows exactly how much it's been.
I'm okay with it. I mean it's something at least I didn't gain weight.
I know this last month hasn't been a great month for me
so at least I didn't gain weight and I'm happy about that.
Now this month I am starting a few new things,
Already this week I have started working out,
I'm working out at least three days a week.
I work out at home with some videos.
I use a YouTuber, I think BodyFit by Amy is her name.
I love her she has a lot of postpartum workouts which I love.
I will leave her link down below you can check her out, out I really like her.
I've been doing that just starting this week.
Then I am also, we're trying to eat healthier.
We gave up eating out.
We are trying to go for a whole month without eating out at all.
Which I feel like just automatically makes me eat a little healthier
because food that I'm cooking at home is automatically healthier than what I would eat out
most of the time.
You know, it's healthier than fast food.
So I feel like that is helping,
but I am hoping this month will be a little bit better than last
and maybe I can strive to lose at least like five pounds, six pounds maybe.
We'll see. but at least it's going in the right direction, right? That's all that matters.
I totally forgot, so I did go to the doctor, as I mentioned in my starting point
video I was gonna go to the doctor and just get like all my blood work checked out.
I did go and everything came back normal.
Which was actually a little heartbreaking.
I definitely cried. I feel like something's wrong and I was
hoping that going to the doctor and getting all my bloodwork down and stuff
I would have an answer and it was a little heartbreaking that I don't have an answer.
There's still some more tests we can run to try to figure out
what's going on. I really feel like it's my hormones that are out of whack and
just from a bunch of different symptoms I'm suffering from but I don't know they
tested my thyroid and that was fine so I don't know what else I don't know what I
don't know what I'm gonna do or when I'm gonna do it but hoping to go back and
get some more tests done here shortly yes all my tests did come back normal
for now anyways you guys leave me some comments down below if you were on a
weight-loss journey as well let me know down below how
or month has gone I will be updating as more regularly regularly from here on
out probably at least every other way if you liked this video make sure you give
it a big thumbs up if you're new here hit that subscribe button because we'd
love to have you join the fam I will be doing another giveaway at 500
subscribers so we're almost there so make sure your bells turned on so you
can get notified when that giveaway goes live anyways guys I'll see you guys next
time bye off
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Exactly How Much Do YouTubers Make In January? - Duration: 11:24.
Hi, I'm Ryan and I'm a YouTuber.
Now, most of the time when I first meet someone and they ask me what I do for a living that's
the short version of my response.
95% of the time the follow up question to that is "How do you make money?"
And the short version is, advertisers.
But it's not a normal payment salary schedule.
You've heard it from the royalty of YouTube all the way down to the bottom feeders.
January income on YouTube is the same thing as being constipated on the toilet, a few
pebbles might come out, but it really wasn't the big load you were hoping for.
And you might be thinking "Wow Ryan, you're really complaining because your cushy comfy
crusty job gets a tinnie bit more difficult?"
Sorry, I really made you sound like a dickbag there, my bad.
But it's a good question.
YouTuber's are always complaining about the beginning of the year and how we are barely
scraping by, but we rarely provide you with any evidence to really back that up.
So I had a thought: what if I showed you exactly how much we made, but not just that, what
if I showed you how much the channel made per video, per view even, where it all comes
from and why we struggle to make it through the first couple months of every year.
The money side of YouTube is a complete mystery too for many people because there just isn't
that much information out there.
Let's face it, like the rest of YouTube, the corporate entity that secretly lords power
above us all isn't exactly open about the finances behind YouTube.
If you're not in the YouTube sphere how would you have any idea the range of income
a YouTuber can make?
Allow me to be your guide into the back end of YouTube, to show you just how crazy rich
we are.
Or not.
So without further ado, here's exactly how much Treesicle made over the month of January.
Behold!
The line of money!
This line signifies every penny that was unceremoniously placed into the Treesicle coffers from you
wonderful viewers who are nice enough to watch advertisements on our videos.
And that line equals a total of...Yo, can you unblur that a little bit okay there we
go.
Just over $4,000.
Now I would show you the exact number but I don't want our Google overlords to bring
the hammer down on us...since we're in the grey area disclosing this information.
See, YouTube doesn't actually allow us to tell you the exact amount we make.
In fact we're not allowed to say a variety of things we want to.
We can't disclose our estimated monetized playbacks and other stats that I was going
to go into in this video.
So here's the solution that hopefully won't get us screwed over.
We show you the first number so you have an idea, but not the whole number so our channel
gets indefinitely demonetized.
Sounds good?
But while we're on the subject it really sucks that we aren't actually allowed to
share this information...but, I get it.
From a business standpoint, there's good reasoning behind it.
Because a big thing to note is Adsense is not limited to ads on YouTube videos, but
ads everywhere on the internet.
And, while Google has a monopoly via Adsense on YouTube ads, they just hold one section
of the market via internet advertisements.
In a day and age where apps collect your personal information and are able to sell it to the
highest bidder, information is power, and I'm sure Google doesn't want their information
getting to the public if there's no real reason for it.
Still, it's no wonder people have such a skewed sense of the income of YouTubers when
we LEGALLY can't tell you what we make.
But as usual, YouTube wants to keep everyone in the dark about the behind the scenes analytics.
Now I could end the video right here.
I gave you the amount as close as I could, right?
But there's no context around it, nothing to tell you whether that's a good number
or a bad number.
It's like a dick pic without a watch or ring next to it.
You need something to compare it to before deciding if you want to jump on it.
So let's take a look at the month before it.
In December, we made about double that, hitting in the $8,000 range.
So as you can see, the jump from December to January is pretty harsh.
But I haven't even put it completely in perspective yet.
Our views in December were actually less than our views in January, so not only are we seeing
a 50% drop, but we're seeing that despite the channel getting more views overall.
So what does this all mean?
Well many of you might see a figure like $4,000 something dollars and look at me like I'm
an idiot to even mention that it dropped from $8,000.
It's still a hefty chunk of change right?
Even if that's all the channel made every month the channel is still making somewhere
in the $50,000 a year range.
A decent salary, better than a starting teacher's income.
But you have to remember one thing.
It's not just me on this channel.
That 4,000ish dollars is being split between four incredibly sexy people.
And when you take into account rent, car payments, cell phone bills, utilities, groceries and
everything else that goes into a month's worth of bills, well, to put it lightly I
can pay my rent and buy a sandwich and January's income would be gone.
And honestly, that's not an exaggeration.
Now obviously this isn't something I'm complaining about.
I love being a YouTuber and wouldn't trade it for the world, but it brings up some interesting
questions doesn't it?
If the channel was getting more views on January than December, why is the income so much less?
The answer lies in a stat called Monetized Playbacks.
If you've ever done some back end exploring on a monetized channel, you've likely checked
out the Revenue Reports.
YouTube is able to break down your revenue by video, date, country, as well separate
revenue streams by the type of ad that's played.
For example, you can see that the vast majority of ads played on our channel are skippable
video ads, those ads that have the 5 second skip button and are currently dominated by
Tik Tok.
But let's check out Estimated Monetized Playbacks.
This is where you can see exactly how many ads played on the channel per day and compare
it to views.
Comparing December versus January once again gives us a ton of information.
Regardless of the channel getting 400,000 more views in January, there were around 200,000
less ads played compared to December.
Again, we can't show you the exact amount, so you'll have to take my word for it.
But further down the column we can take a look at the CPM of each month individually.
In case you don't know what CPM means, it's the average income a channel makes per 1,000
views.
So in December, every 1,000 views made 5 something dollars, whereas in January, it was only in
the 3 dollar range.
Oh and you might be wondering why the column for "YouTube Ad Revenue" has higher numbers
than our total income for either month.
That column shows the total income made before YouTube takes their cut.
I feel like a lot of people forget that YouTube takes a significant portion of the revenue
YouTuber's generate.
We're contractually not allowed to say the exact amount.
But many other people, not us, have said it's 45%.
We didn't say that though, they did.
The other question that comes to mind is how a difference in 200,000 ads played, or about
15% fewer ads, equals a 50% drop in income.
When we're talking about over a million ads played each month, you'd expect a proportional
drop in ads played in relation to the income drop right?
The reason this doesn't correspond is actually quite simple: January is a bad season for
advertising.
In fact the first few months of the year are always bad for advertising.
Whereas we see a significant boost once Summer comes around an an even bigger boost once
we get into the last few months of the year.
As the year progresses those ad slots at the beginning of videos become more and more valuable.
People are more likely to spend money during the summer and the most likely to spend money
during the holidays.
Tis the season so to speak.
Whereas January is right after all the major holidays.
People are wiped from gift giving, from traveling, from vacationing.
Meaning they are less likely to spend money on what an advertisement shows them because
they already spent it somewhere else the month before.
Advertisers know this, so they're aren't willing to pay as much for their ads to run.
This is why we get discrepancies between CPM's month to month.
Advertisers are willing to pay more based on the time of year.
However, the drop at the beginning of the year is worse than the increase at the end.
I don't think we've ever doubled a regular month in december.
It'll get a bit better, but it won't exactly offset the halfling that happens in January.
I think a lot of this helps dispel the myth that YouTubers are these crazy rich people
who just got lucky enough to land an audience on YouTube.
On the contrary, I could easily make more money doing a variety of different things.
Before becoming a full-time YouTuber, I coded.
I got a degree in Computer Science.
And I was making more than double what I am making now as a YouTuber.
This idea that YouTube pays well only supports the upper echelon of YouTubers.
If you're getting 10 million views or more a month, you're making a good salary, but
no one would consider you to be crazy wealthy.
At least, not based off of our CPM.
A channel's CPM differs for a variety of reasons, a channel like ours won't get the
same income per 1000 views as say, a makeup channel.
It's different audiences, different companies that want to advertise.
And also the degree to which a channel is "family friendly" - which YouTube doesn't
seem to think we are.
It's why websites like social blade have such a massive range for monthly earnings.
But wait, we're not even done yet!
Guess who also takes a cut from every month of YouTube ad revenue?
That group of wonderful MCN friends.
Who, we kinda went into in a previous video.
So YouTube takes their cut, then the MCN takes their cut, and then we finally get paid.
And just a fun note, we also don't know what day we're going to get paid.
Since it goes through the MCN first it completely depends on them, sometimes we get it early,
or sometimes it's the day rent is due.
It's not nerve racking at all!
So there you have it, not only the kinda sorta exact amount made in the month of January
for the Treesicle channel, but all the backend stuff to explain how and why we made what
we did.
The monetization of YouTube has been a mystery to a large group of people for a long time,
but there's nothing to hide about it, and hopefully this has given you a better perspective
on what we and other creators go through during this time of year.
Especially for channels who have a team operating behind the scenes, like us, it makes revenue
sources outside of YouTube that much more important.
It's why we get sponsors, why we sell merchandise, why we have a patreon, and do Twitch streams.
Though the Twitch streams are more just for fun (every weekday at 3PM PST).
But all these "extra" things are what keep us afloat.
Speaking of ships, I'm going to go buy a yacht with all my YouTube money now.
Cuz that's totally a thing I can do now that you've seen our ad sense!
But before I go, let me know if you like deeper dives into more informative videos, like this
one.
I really enjoying making content on these real life issues and questions.
So let me know in the comments.
Oh!
We also have a super special surprise this coming Saturday, the 23rd!
So follow Twitter, come to the channel, set your phones, check your watches, do people
still even wear watches?
Whatever.
Thanks fos for watching everybody!
My name's Ryan, and we'll see you then!
-------------------------------------------
Editing Landscape Photography in Lightroom, how much is too much? - Duration: 14:42.
how much is too much is the question and this is also a very
interesting topic when it comes to landscape photography how much is too
much editing in Lightroom how much is too much post-processing in Photoshop we
will talk about this and I will share my thoughts while editing some landscape
photography in Lightroom of course so don't go anywhere stay here
welcome to my channel here we talk about photography and I make videos just just like
this one where I share my thoughts about editing landscape photography in
Lightroom so if you're here for the very first time it might be a great idea to
subscribe not sure what's going on with my hair today maybe time for haircut
look at this I am sure that if you are a photographer like me and you post your
images on different social media you have received this question how much did
you work on this image did you use Lightroom how much did you edit in
Lightroom how much did you change these colors how much did you do what did you
do I get very annoyed by those kind of questions because in my opinion it
doesn't really matter this is not the point how much is too much it's a very
personal question yes I don't think there is too much I don't think there is
a limit the limit is yourself the limit is your vision the limit is what you see
when I shoot my landscape photography and I have eventually a vision of what I
will do in Lightroom
this vision might change over time this vision might
change by the time I get back it doesn't really matter while editing
this photo the limit is what is compelling to my eyes to my vision
in the only thing that matters to me is that the result is pleasing my eyes yes I
do post images on social media and people will ask questions but in the end
I will only share an image that is compelling to me that is pleasing to my
eyes there is the result of my vision both while I take the shot and while I
edit that photo but then you might have the objection that there is people that
are using multiple photos sometimes of even different places to create a
composite image that does not exist that does not correspond to reality well you
know if that's what they like if that's what they envision why not
maybe personally I'm not a big fan of that kind of photography at the same
time I am guilty too because in my lady in red series I do some composite too
basically I take two shots one long exposure and one short exposure in order
to freeze the subject in that landscape the frame is the same the composition is
the same but that scene does not really exist and by the way since I mentioned
those photos let's see what I'm talking about
so it is up to you to decide what you like what you don't what you like for
your photography and what you like for other people photography and in the end
as usual the most important thing is just to create so rather than sitting at
the desk judging other people photos why don't
you just go out take photos for yourself create your own landscape embrace your
vision and bring it to life - talking about this I think we should move to
Lightroom and see how I edit my landscapes you will tell me how much is
too much here I am at my desk in front of Lightroom and I have this lady in red
series picture taken in Iceland in this beautiful place which is the Vestrahorn
headland I was lucky enough that nobody else was there and this is the beauty of
traveling alone this lady in red shot is different from most of the
others as a matter of fact this is only one shot I'm not actually merging two
images together and not using a long exposure f8 iso 100 one twentieth of a
second with my loyal 20 millimetres f 1.8 it's a cloudy day low clouds and in
my vision I see the lady in red which is harmless but fearless that is facing the
strength and the drama of nature so I want to create drama in the sky but
because I wanted to retain the details in the foreground I exposed my image all
the way to the right as you can see from my histogram and I will be able to
retrieve a lot of details from the sky I do want to create drama with this image
let's get started as usual xxxxxxxx really no Siri no leave me alone
as usual I will start from the aspect ratio in this case I'd like to
use this image for my thumbnail so let's see if the sixteen by nine crop will
work and I believe so I open the basic panel i changed the profile to Adobe
landscape which already brings some saturation in you can see and I already
have more details even in the upper part of the image I didn't use any ND filter
for this photo but at the same time I want to check my white balance so I go
and pick up a white neutral target and as you can see this does not work at all I
will try cloudy and I think I like cloudy better first thing first I want
to fix whites and blacks I hold down the shift key double click on whites and
double click on blacks and I already expanded a little bit my histogram to
the left this time I will decrease the exposure a little bit add a little bit
of contrast decrease the highlights by a lot I go all the way to minus 100
just a little bit of shadows, a touch of clarity I will work with the dehaze quite
a bit and you can see how the mood is changing already very quickly a little
bit of vibrance you will remember from my previous Lightroom tutorials the
vibrance is increasing the saturation to the more muted colors present in the
image while the saturation is actually increasing the saturation to every
single color I will give it a touch of saturation as well now let's go to the
tone curve and I will see if the medium automatic contrast will work for me I
think it does I'm not going to touch the hue saturation and luminance panel for
now I will go straight into the split toning details as you know Lightroom will apply
a little bit of sharpening right away but I will change the radius want a
smaller radius but I will increase the details I will hold the Alt key move the
masking slider to the right in order to see where the sharpening will affect
everything that is going to be white will be touched by the sharpening
whatever is black will not be touched that I don't want any sharpening in the
clouds and now I can increase the sharpening and I will be sure that will
only affect the areas that I care let's zoom in to see if that's too much you
can see that the edging here is creating some kind of weird artifacts and so
sometimes is the image that is telling you it's too much so move it back and I
think it's better my chromatic aberration and my profile Corrections
are happening at the moment of my import check out my previous videos to see how
that can be set and I will go to the effects panel because I want to add some
vignette into my shot and let's see with these quick general adjustments what kind of
results we have this is the before very flat this is the after before after now
let's add some local adjustments and the main thing I want to do is to increase
the drama in the sky so I will use a graduated filter I will double click on
effect in order to reset all the sliders I will hold the shift key and drag down
my filter from the top release let's decrease the highlights here let's
increase actually the contrast I want to decrease the blacks
I want to decrease the exposure maybe too much maybe not I will add some
dehaze and I want to decrease the saturation also I would like to remove
this filter from this part of the mountains that are becoming very very
dark here to the left and to the right and in order to do so I will I will
click on the bottom left corner in order to see which part of the images are
affected and then I will select the brush within the graduated filter and I
will click on erase in this way I can create a brush that will erase the
filter from the area that I don't want to be touched you can see that the red
is disappearing
and for the sake of the video I'm doing this in a very quick way because I want
this video to last forever at the same time if there are areas of the photo
that are not touched by the graduated filter like the clouds on the left and
the clouds on the right I can use a brush and instead of erasing I will
actually stay to the a brush and fill in those area that were not actually
touched by the graduated
okay this is that let's see how it looks before after before after
what do you think is this too much so in my opinion we should not put any limit to
creativity it sounds like a crazy contradiction in terms
I believe instead that we should follow our vision trust our taste please our
eyes without trying to please everybody else and it is also natural that over
time our way of seeing things will develop will change in my own experience
my way of seeing my way of editing in Lightroom changed a lot over time not
only because I learned new techniques but mainly because my tastes changed and
I think it's a good thing it means that we are still searching but I am curious
to know what do you think about this so don't be shy don't be lazy just a few
words in the comments below easy I appreciate that I hope you
enjoyed this video I hope you learnt something new and if you did I think he
should or could hit the like button maybe share the video with the wife husband
boyfriend friend thanks for watching and I will
see you in the next well wait a second actually I would like to know who is
watching until the very very end if you do just write in the comment I do now
thanks for watching and I will see you in the next video
-------------------------------------------
When Rescuers Saw This Desperately Weak Tiger, They Couldn't Believe How Much He'd Suffered - Duration: 5:44.
When rescuers found this poor tiger, he was dangerously thin, covered in painful red rashes
and beginning to lose his sight.
But since he was transferred to a new home, he's learned to find joy in life again.
In fact, he's loving every moment.
So how did his story begin?
Well, in 2013 In-Sync Exotics Wildlife Rescue in Wylie, Texas, took in 13 big cats, including
a tiger named Cincinnati.
In fact, Cincinnati arrived at the non-profit organization along with nine other tigers
and three cougars.
Sadly, all of the cats were in a sorry state.
Unfortunately, the cats had been living in terrible conditions at the Caruth C Byrd Wildlife
Foundation or CCBWF in Van, Texas.
Thankfully, though, CCBWF decided to get rid of its caged animals.
And, of course, that's how In-Sync Exotics came by this particular group of carnivores.
After all, In-Sync Exotics has been rescuing abused and neglected big cats since 2000.
In addition, its volunteers and staff work to help educate people on the realities of
owning and breeding exotic cats.
At present, the wildlife center's residents include tigers, lions, leopards and cheetahs.
So, when the 13 cats from Van arrived, they were in expert care.
And they needed it.
After all, most of them were severely undernourished.
At only 236 pounds, for example, Cincinnati weighed about 160 pounds less than he should
for a healthy tiger.
"When Cincinnati and the other cats arrived, most of them were uncertain [of their new
surroundings] and so starved that they were food aggressive," Angela Culver from In-Sync
Exotics said.
"Cincinnati was so underweight and starved that we had to throw individual meat balls
through the fence to keep him from eating too quickly."
Immediately, then, the team gave the group of cats medication to prevent them from getting
sick.
Moreover, at their old home, the animals had slept on solid concrete with no blankets and
no toys.
Therefore, life at the wildlife center was going to be a big adjustment for all them.
Thankfully, Cincinnati had family along with him at the wildlife center.
In fact, his mother Cypress was among the tigers from Van.
His siblings Jafar, Pepsi, Athena and Ukaidi also joined them at their new home.
Harrowingly, though, Cincinnati's stripy fur initially hung from his gaunt body, and
he was completely bald on his shoulders, back and tail.
In addition to all of that, he also suffered vitamin deficiencies that left him poor-sighted
in one eye.
Yet Cincinnati's character shined through, despite being clearly very weak.
For instance, after years of not being able to stretch his legs, this curious tiger finally
had chance to explore.
Indeed, Cincinatti walked – but could not run – around the sanctuary's playground.
"As soon as we let him out on the playground for the first time, he took off exploring
and playing," Culver said.
"The look in his eyes was like a child getting to play for the first time in his life.
It was sad that he had never been able to experience that before, but heartwarming to
see just how much he loved the feel of grass under his feet and having room to run."
However, despite this glimmer of hope, Cincinnati and the other cats had a long road of recovery
ahead of them.
Slowly but surely, though, the traumatized animals learned how to become proper felines
again.
Indeed, they tentatively explored their surroundings and learned to enjoy their new found freedom.
"Cincinnati seemed to find joy in every new discovery," a wildlife center spokesperson
wrote on Facebook.
"Rather than being nervous about grass, toys and pools like most of the tigers from
the Van, Texas, rescue…
Cincinnati seemed to think that each new thing was FANTASTIC!"
"He quickly claimed all the toys in the playground, running from one to another, as
if so excited to find each one," the post continued.
"He was the first one to discover how much fun splashing in a pool can be, and is also
extremely affectionate towards the staff and volunteers."
In fact, Cincinnati's lust for life soon made him a firm favorite at the wildlife center.
And, as his confidence grew, so did his health and wellbeing.
Yes, the beautiful feline is now 10 years old and is one fine specimen of a tiger.
Volunteer Christine Burrow has admitted that she has a special soft spot for Cincinnati.
In fact, she even loves it when Cincinnati splashes her as she fills his water tub.
"The story in his eyes tells you exactly what he's thinking," Burrow gushed.
Cincinnati's enthusiasm has also rubbed off on his fellow tigers.
For instance, although her bouncy roommate sometimes annoys 18-year-old Serena, she plays
some too.
"She was reluctant to explore her outdoor playground at first, but she eventually learned
that grass, sunshine, toys and pools are fun," the wildlife center posted on Facebook.
"Cincinnati is a total goofball and clown who loves showing off for anyone who will
watch," Culver said.
"He likes playing peek-a-boo when he's in the pool…
His distinctive markings around his eyes make him look like he's happy and always just
a little surprised, which is adorable."
Images of Cincinnati on social media show him chasing balls, rolling in the grass and
splashing around in the pool.
The mischievous soul is also partial to playing hide-and-go-seek, much to the annoyance of
poor Serena.
From these photos, then, it's clear to see that Cincinnati is a fun-loving character.
After all, animals like Cincinnati are born to roam.
So, finally, this tiger has found a happy home.
"We all just adore him and his obvious joy in life is wonderful to witness," his carers
at In-Sync Exotics said.
-------------------------------------------
How Much Does Meghan Markle's Family Profit From Causing Drama? | Prince Harry - Duration: 13:12.
How Much Does Meghan Markle's Family Profit From Causing Drama?
Meghan markle's family troubles have been in the media Spotlight since her
Went to Prince Harry
The stunt pulled by Thomas Markle senior ahead of Meghan Markle
Wedding
Where he worked with the Press
Depose for embarrassing photographs
Was only one of the most famous Markle family dramas
It appears the entire family has a flair for Dramatics and a very broken bond
But fans can't help
But wonder whether markle's family is profiting from all this negative press
White house after all would family issues continue bubbling to the surface
Despite being Stamped Out Time and Again
So does Meghan markle's family profit
From all their negative press
If so how much
Samantha Markle is cashing in on the royal baby
Samantha Markle
854
Is Meghan's half sister
And she's gotten a big payday from the royal baby
Before it was even born
According to sources
Samantha has earned an estimated he 100000 in profit
Fits to the Press already
It was on Via to television documentary
Several chap shows
A book an incredible salary of you 2000 an hour for inter
The same Source has spoken out in Samantha markle's defense
Samantha has every right to celebrate the birth of her niece or nephew in Spring
And we'll talk about her connection to Megan
As they are family
She does not have an outlandish lifestyle
So the money will make a difference
To her
She has never been given a penny by Meghan
So she has every right to earn her own money in this way
Thomas Markle makes money stirring up controversy
Thomas Markle is Meghan markle's father
He is most famous
For taking payment
Two-stage embarrassing photographs ahead of Meghan Markle and Prince Harry's wedding
Although sources State nobody knows exactly how much he was offered to do such a thing
Many assumed it must
Have been a considerable amount for a father to be willing to draw attention from his own daughter's wedding
That isn't the only way he has cashed in on his daughter's rise to royalty
However
Thomas Markle has been making money by stirring up controversy
Each time he sits down to slam the Royal Family
And his daughter with
Of course
He earns an estimated $10,000
Some sources State the some for certain interviews might be larger
Thomas Markle is only earning an estimated $1,500 from retirement
And $2,700 in Social Security income
Undoubtedly
The thousands of dollars he makes selling his daughter out as greatly benefit
And is perhaps one of the reasons he fails
Stop doing so
Samantha and Thomas Markle refused
Stop
While other members of the Markle family have undoubtedly earned their own small paydays
It's Meghan's half sister and father who have earned the most money
They have also been the most vocal
The most bitter in the most persistent in their efforts
The trash talk both Megan and her in-laws
Meghan Markle in the British royal families press reps have reached out to both Samantha Lynn Thomas
Asking them to cease their slandering
Unfortunately
These efforts have
Obviously
Not worked
Knowing that you are receiving a significant amount of money for their efforts however
Offers insight into why the devel refused to
Stop
Fans everywhere have gone up in arms
Commenting on these ridiculous tabloid interviews and drama-filled eskam
The saddest part is that it seems the more hated Samantha and Thomas Markle are
The more money they are able to cash
Big-name tabloids have made their Fortune selling drama to the American public
And they are certainly making a killing on the Markle family trouble
What do you think
Share your thoughts in the,
Box below and don't forget to subscribe to get instant news update
Meghan Markle
Your dad so bad
But it's time for Duchess must get on with the job
Here's the thing about marrying into the royal
You are not just getting a new family to spend Christmas
Easter in the trooping of the colour with
A client who is banned from playing Monopoly
And love nothing more than decimating the Pheasant population of Norfolk with large bore rifle
You are getting a full-time job
Complete with Annoying bosses
Lịch icoworker
Deadlines until responsibility
The last week proved
But Meghan doesn't quite get the gat
This current bruja began when five Friends of the Duchess of Sussex
Escape totally spontaneous
And not at all choreographed interviews
Who's the people
Portraying the former actress as some sort of modern-day Mother Teresa meets Martha Stewart
With her home-cooked dinners
For Harry and predilection
Denver spending her spare time finding Perfect scented candles for the guest rooms
Are among the platitudes
These friends claim that Megan's Father Tom
Who has TMZ
Piers Morgan in the local heart attack unit on
Speed dial
Had not been in touch with the Hollywood star
Since she turned hrh
He retaliated by releasing portions of a letter he says Megan sent him in August last
In which she begs him to
Stop embarrassing
So far
So horrible
This is a messy Family Feud
Replete with lots of anger
Kurt and Blaine
Who is really the victim here is Up For Debate is she a clever media manipulate
Or is he a tabloid Loving Story monger
We don't know
But what is clear is that it's time for Megan
To put an end to all of
She had to know when she sanctioned the people story
The Thomas would retaliate in the only way he knows how by going to the media and spilling all the tea
This Markle family drama is like some sort of terrible tabloid gordian knot
Megan obviously feels deeply aggrieved about that tsunami of negative stories about her that have hit the headlines
From her five am emailing ways to allegedly demanding Saint George's Chapel be Spritz with something like blade
To get rid of that musty
Do you smell to the notion she is Duchess difficult
However she is missing the bigger picture
The former suits star is only perpetuating this messy family situation
By circumventing the Kensington Palace press apparel chicks
She has shown
Just how desperate she is to push her own narrative
And to be seen as the victim
Which he may well be
But she is forgetting something imperative to Royal life
It's not about you
It's about whomever's face is on the stamp
In putting the people story into motion
And thereby causing Thomas to release her letter
Megan was making the crucial mistake of thinking her own Public Image matters more than that of the family
And fairly ancient institution she willing became a member of
Being a windsor means putting your head down
I'm getting on with the job opening dog charities in Devon and propping up the fascinator in
It means putting the welder
An image of the royal family ahead of her own
And it involves putting on a nice coat
Trotting along to some Hospital opening and smiling
Not worrying about whether the public thinks you are demanding VCH
It is also interest
Let the people story and let her go
It happened only weeks after her new Communications secretary Christian Jones came on board
If this is the sort of advice he is giving her
When they went up in the dim light of dawn
While she practices her downward dog
I'd be thinking about sending him back to his former posting
Managing the much less fraught situation that
What is brexit
I'd also wager that
When she stepped out for a very public lunch with him recently in Notting Hill
She was sending a message to the Kensington Palace PR Mandarin
That she was about to
Start doing things her own way
Megan's father has obviously hurt her deeply
And she him put enough
Put on your best
Givenchy coach Megan get out there and find some homeless cats
Is there something to help
It might have taken nearly a year
But only now is the truth hitting home
She got the fairytale wedding
But the happily-ever-after is far
Far more complicated and demanding
What do you think
Share your thoughts in the,
Box below and don't forget to subscribe to get instant news update
Meghan markle's father Thomas in the fuss around giving the bride away
Nothing takes longer to die than an idea
For decades now
Feminist
Have been Quest
And criticizing the weird patriarchal Traditions have weddings in
While everyone is fairly United
Set the idea of a man giving away his daughter to another man
Is f***** up
It's still the dominant practice of any wedding I've ever been to
Even during the most feminist
Ceremonies
Where the Bridesmaids all gave speeches in war trousers
The bride was still serenely delivered to her new husband
Been by her smiling father
In cases where the dad isn't around
The bride is usually given away by someone else
A brother
Stepfather
And uncle
Hell even Joey walked Phoebe down the aisle
I've read a few pieces about women who went down the aisle solo
But I'm yet to actually meet one in real life
There's Something About This Old weird idea
That is baked into our DNA
It's that knee-jerk emotional reaction
I think
That is grip the media
So much when it comes to Meghan Markle and her father
Thomas who may not attend her wedding to Prince Harry on Saturday
RightNow Media attention around Marco
Has reached
Such a fever pitch that any information
From her fondest
Miss Peregrine to the sale of a Megan Bugg
Is news
So with so much 9 News around the place
The fact that Megan's father may not be attending the wedding is in nugget of real news
That is sending the Press Wild
Megan pleads with Dad
Screams the daily mail's front page
Well the somewhat less emotive son goes from neck dad won't go to wedding
Almost every front page appears dazzled by the news
Gaping at the horror of the Bride without her father
If the tradition of giving the bride Away really is so baked into our DNA why can't mothers give their daughters away
Which is upsetting
Particularly when you consider
Did the story is only happening
Because of the media's involvement
I'm so far
Speaking to the ever classy TMZ
Thomas admitted the photograph
But recently went viral most memorably
Okay I'm reading a book called images have written
Worst aged
According to him
After months of being hounded to and from work by the Papa Razzi
The Branded him disheveled in reclusive
He attempted to repair his Public Image
For the sake of his daughter's reputation
Accepting money from the pappa razzi age
To do so
This he now deeply regrets and
Shortly afterwards
Thomas Markle
Bird from a heart attack
He now says he will be abstaining from the wedding
Did not embarrass Meghan further
Obviously
It's completely possible
The Thomas Markle is lying and just wanted to make a quick Buck off
His daughter
It is equally possible
The best story is truly as heartbreaking as it sounds
Better man
Bamboozled by his child's Newfound status in the most famous royal family in the world
Attempted to help by accepting help from the wrong people
That is failed attempt came from a place of deep class shame
An urge to rewrite an image
That was decided on months ago
Again
Both of these things are possible
It's possible that Meghan Markle ask him not to come
Possible that a million other
Discussions are happening behind closed doors
Probable that we will never have the
The true answer
Of what is going on with Thomas Markle
But what is clear from the media is this
Let the pressure for a woman
To have her father present at our wedding is greater than the pressure of any dress
Any venue any ring
If you can't have your father
Then some significant male figure in your life
Should be on your arm a message
Multiple men volunteered
To take care of me
Surely I must be the most loved woman of all
And if you have someone who you love to give you away as it were
Then great
I know that
If I get married
I touch wood
Will be sincerely hoping
That my father will be able to walk me down the aisle
But I'm not naive enough to
To think that is something every woman should
Or even want to have and to carry on implying
That it's the most natural way
To get married is offencive and downright bizarre
But if the tradition of giving the bride Away really is so they can to our DNA
As the alarming headlines around Meghan markle's dad's
Suggest and if the idea truly is hard
The Killers it seems to be
Then why can't we amend it
Why can't mothers give their daughters away
Well not coming
It does occasionally happen
And would confront the fact
In most ceremonies
Mothers are given no role
No symbolic
No tradition of their own outside of the buying of the Hat
The 24-hour news cycle around Meghan and Harry's nuptials maybe grading
But there's no denying
That it's a wedding
That will serve as a time capsule for future historians on how we view tradition and ceremony in the 21st century
There's something refreshing about the idea that it's a wedding
That could change the status quo on a father's role
What do you think
-------------------------------------------
FOX TV - How much money do I need before I start investing? - Duration: 12:46.
Would you lose sleep over the amount you plan to invest if it got wiped out in a market crash? If your answer's 'yes, it would devastate me emotionally and financially', think again about whether you're ready to invest
That's not a bad rule for novices to bear in mind, even though there are more exact pounds and pence answers to what sum you need to get started
We take a look at what amount of seed money is ideal, how long you should be prepared to lock it away, and what the general state of your finances should be before you take the first steps into the world of investing
Getting started: How much seed money do you need to enter the world of investing?How much money should you have before investing?If you plan to invest regularly be prepared to put in £50 a month, and if you want to invest a lump sum then £1,000 is a good starting point, according to Gavin Haynes, managing director of financial adviser Whitechurch Securities
'Traditionally people will go down the route of investing in funds as their first port of call
It can provide a good level of diversity through collective investing, and you get the expertise of a professional manager,' he says
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How to invest in funds, investment trusts and ETFs - and. Share this article Share HOW THIS IS MONEY CAN HELP How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms But Haynes cautions that if you plan to kick off investing in just one fund, then make sure it is well diversified across asset classes - shares, government and corporate bonds, property and so on
Adrian Lowcock, investment director at asset manager Architas, says the minimum investment levels on online platforms serve as a guide to how much money you need to get started
He agrees with Haynes that £50 a month is preferable if you want to invest regularly
When it comes to lump sums, he thinks it's fine to start with £500 if you want to invest in funds because you don't have dealing costs
However, he reckons you should have at least £1,000 if you want to buy shares because that involves shelling out fees every time you make a transaction
How long should you be prepared to invest for?The rule of thumb usually given by investing experts is at least five years, because in theory that should allow you to ride out any losses at the outset
But Lowcock puts the emphasis on 'at least', and believes investors should really be prepared to tie up their money for longer
'Think decades, not five years, It's your long-term future, not saving a deposit for a property
Five years is the industry standard, but is fairly short term if you look at what goes on in markets in terms of volatility and economic cycles
'Hopefully, that will then grow over time with the benefit of compounding returns, especially if you are prepared to reinvest any dividend income
How frequently should you invest?Fledging investors are generally advised to 'drip feed' money into markets once a month, rather than risking a lump sum at what might turn out to be a bad time
Gavin Haynes: 'Long term investors shouldn't try to second guess market movements, because even seasoned professionals find that is a thankless task
'This also forces you to buy even during market bloodbaths when stocks are cheap, not just during rallies when they are expensive
For first-timers, investing a lump sum just before a market correction can be pretty demoralising, but drip feeding means that the impact of falls won't be as pronounced, explains Haynes
'Don't try to time the market,' he advises. 'Don't wait for the market to fall to invest
Long term investors shouldn't try to second guess market movements, because even seasoned professionals find that is a thankless task
'Lowcock adds that drip feeding has behavioural benefits, because you won't miss money you never had if you set up a direct debit to your investment account on your monthly payday
He says that even if you suddenly come into a sum of money and want to invest it, it's better to phase it in as an 'active drip feed'
Get a financial plan and invest for your future If you want to build a financial plan for a wealthier future - and start investing for it - then professional help can be invaluable
Busy people may want to invest but often find that they do not have the time to build a portfolio themselves
A good financial adviser can help you work out your goals and how you plan to get there - and then make sure you stick to your financial objectives
Whether you are investing to help your children, want to retire early, or simply build your lifetime wealth, good advice can ensure you make the most of your money - and avoid pitfalls
This is Money has teamed up with Timber to offer readers easy access to carefully selected financial advisers who you can trust, with fair and affordable charges
> Find out if Timber could help you How much should you have in an emergency fund before investing?The conventional wisdom is to hold at least three months' worth of your net salary in cash so you can cope with surprise expenses
The idea is to have liquid funds available at all times. Keeping a sum like this in reserve is also a good bulwark against worrying about investing losses
What if you have debts?Aim to pay off any expensive debts before you start investing, advises Lowcock
This is because there is a trade-off between interest payments and your returns from investments or savings
You can end up needlessly shelling out more in interest than you are making elsewhere, if you don't use any money you have available to get shot of the debt first
People tend to feel better about their finances when they are debt-free and it also improves cash flow, adds Lowcock
He says it's fine to have mortgages and student loans - those taken out in earlier years, before the interest rate shot up - while investing but everything else like car loan, emergency loans, and credit cards should be cleared entirely or paid down to a low level
What else should novice investors bear in mind?Use up your Isa allowance, which is now £20,000 a year and provides a decent nest egg if you can afford to put aside the full amount, says Haynes
You can split your money between cash and investment Isas, and transfer it between them if you wish, he points out
When it comes to monitoring investments, he says you should look at things like how your funds are doing compared with their peer groups, but warns against getting obsessed with short term performance
He adds: 'Don't commit money if you are going to be worried, and it's going to cause you anxiety
The one certainty is there will be periods when prices will fall.'Lowcock says: 'Don't expect growth in the short term, This isn't gambling
You are not going to double your money overnight. It's going to take a long time
Once you have started getting invested, don't expect an overnight wonder. It's a long term game
' HOW TO INVEST: A STARTERS' GUIDE If you decide to take the plunge, you will need to research funds and shares and take some practical steps towards getting yourself set up with an investing account
Some people pay a financial adviser to help them, while others baulk at the cost or simply prefer to go it alone
Either way, a great starting point for understanding investing is to read This is Money's 40-page 'How to be a successful investor' guide, written by Editor Simon Lambert
This is Money also offers a range of guides to different aspects of investing, which you might also find useful
How do you research investment funds? How many funds should you hold in a portfolio? What if you only want to invest in one fund? What do cryptic investment fund names mean? What do the abbreviations tacked on the end of fund names mean? How do you tell if a share is good value? How do you pick the best and cheapest DIY investing service? How do you carry out an annual healthcheck on your investments? How do you invest your pension pot and live off it in retirement? TOP DIY INVESTING PLATFORMS Low cost portfolios Low cost portfolios Cheap funds fee £1
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How To Check Any Youtuber Daily EARNING,VIEWS,SUBSCRIBER(REAL 100%)|easily|Hindi - Duration: 7:56.
hello
friends
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I DON'T KNOW HOW MUCH FIGHT I HAVE LEFT IN ME - Duration: 34:08.
I am 99% sure I did not pee myself my weight needs to be restored I don't know
how much more I can do
hello vlog it's Wednesday today I think and I am kind of feeling
back to myself it's been about two weeks since I came home and I finally feel
more like I feel more alert and not so like a zombie like like yesterday I
would just sleep and sleep and sleep until I would to get woken up for meds
and everything well no I predicted me that I'm having today well it's just
been over the past like five minutes I've been sitting here doing stuff on my
computer for however long I've been awake or since I've been upright and I
noticed my butt is completely wet I don't know what happened I am 99% sure I
did not pee myself but I don't remember spilling anything and like the carpet is
just wet here and it's like quite a large spot so I'm
like I don't even know what happened or if like maybe water was dropped when my
morning meds were given possibly like I rub the carpet out I don't know what it
even smells like like it smells kind of vinegary or like my carpets molding now
just probably what's happening um but I finished editing last week's vlog and I
noticed that and I realized I never made it clear what I was talking about so um
upon being a discharge from the hospital my MRIs which were scheduled for next
weekend or this weekend were cancelled even though we only did the head and
spine and all we still need to do flexion extension and something else
just to you know see how my head is attached to my body and see how well it
is attached to my body they were cancelled and we're like okay
well like when are we going to do them and when they were so they've been
scheduled they're scheduled for six months out
because my body this past hospitalization was so rough
on it and my body's so sensitive to change so I I don't know if anybody else
feels like a total zombie for the entire week once they've come home but that's
how I feel and so what very much wouldn't the most important thing is
that I didn't meet my weight needs to be restored to like
before our hospitalization wait before we can go ahead and move forward and it
probably should be up a little bit more because if we need to do something
surgical my body is going that's like more stress than just all the testing so
my weight needs to go back to a healthy weight it's like I don't look that bad
right now but my weight is pretty low and then
yesterday I did my heartrate I while I was wearing my watch yesterday for the
first time in a while and it has a heart rate and my heart is unstable so if we
talked like I need to really get things together for my body to be stable
because if we went to my doctor today or tomorrow which we're not and they did my
heart rate we would have to go sew or we'd have to go back to the hospital and
I don't want that to happen so um we're gonna continue on resting at
home and then tonight we or sometime this week we're planning on meeting my
cousin's baby she was born um about a month ago now we like the first day that
we went to the emergency room we were we actually had plans to go meet her that
night so I'm going to deal with this wet carpet situation change into different
clothing because my butt is flippy soaked although I'm pretty sure did not
pee myself I think I said this before in another vlog like the one before we went
to the hospital or something that today just something feels worse I don't know
what feels worse on my body right now it's just I feel gross like I was
sitting up and yeah I feel more back to be
me but at the same time I feel like there's something happening or something
inside of me that is not pleasant like but today my stomach hurts I'm just been
nauseous and my head hurts but like that's normal so but then like why do I
feel worse know what I mean hi guys so we've discovered I did not
pee my pants last night the water heater is broken and the water
heater is like right on the other side of my closet I guess and so it was
basically spilling water into my closet so we now have my carpet drying and then
Sol Natha what's that called the water heater guy The Fixer man he came and you
guys ordering parts and then that will be fixed but luckily we have other water
heaters for the other parts of the house so we can still take showers and you
guys last night it was so like rough emotionally I'm just oh I'm tired so I
didn't want to uh but I'm just I don't know how much like fight I have left in
me because
really we don't know what we're battling like yeah there's the ETS but I don't
know if that's what's causing all these other problems obviously that's probably
what's causing the net and probably the aneurysm - but I'm just tired
Oh so when yeah like I'm I don't know how I put this or it doesn't say I'm
like I'm just like you know how it feels but yeah I'm tired cuz uh it's
exhausting dealing with the pain and everything all the time I just want it
to end the pain and everything all the doctor's appointments all the tests MRIs
CT I don't really care about getting my blood drawn but that happened so often
emergency rooms regular doctor visits it's just a lot and I'm tired
oh so I'm just letting myself feel the tiredness and then a half do
creet will to keep going from subway well anyways I've I've been eating
chocolate and cookies today it's Valentine's Day and I've been eating
chocolate and cookies all alone and I'm pretty sure I'm all alone right now yes
I realized that during the last clip I was trying not to cry during the clip
and everything but that was like a few hours ago too
um because I feel like that's all I do on the Internet is I talk about things
and then I cry and then there'll be a few videos of me just need doing fast
know things and then another crying video and it just goes in a giant cycle
but I don't think I was really clear on what I was trying to say earlier oh my
gosh uh I don't think I'm gonna get through
this about crying about it but okay so the whole like fight thing I don't know
how much more I can do like oh my gosh I'm tired my body is so tired and during
the last hospitalization we talked about like what I meant by that with some of
my doctors and like my body is just tired
it's like quitting basically my body wants to quit because it's been so long
and it's been a lot longer than we've really been we're gonna you call it like
pursuing answers and which has been like I've been vlogging
for about a year and we were looking for answers for maybe three years dish
before that or and then well more than that more like I think we've started out
I was about 12 but even before that like I was living the struggle life alone
before that because I didn't even know that what I was experiencing and feeling
in my body wasn't normal but now what do I mean by it I don't
know how much more fight I have left in me is because it feels well it's just
even it's not even that just feel this way it is this way um every little like
improvement that we are able to make I get giant leaps backwards a problem
regression or I guess symptom progression and like using the
terminology like you gotta keep fighting fighting what like what am I even
fighting the pain by fighting like what because yeah don't you like put up a
fight against the pain and everything but in the end wait what is that end
goal of just keeping going through it all the stuff
good news is I have gained out a half pound since I weighed myself last til
when I weighed myself today so we are headed in the right direction but I
don't even think I said this yesterday but from the stress of my body of all of
what's been going on I let my defecting my heart again because my bodyweight
dropped and so my heart rates really really like MIDI key right now last
night I think 3 o'clock in the morning they have my watch set to send me
notifications if my heart rates up too high for a too long and at 3 o'clock in
the morning I got awoken by my watch going off because my heart it was at 130
and I like I don't know what was going on last night I'm not even sure if I've
slept because I was dreaming but I was awake but I don't know if my dream was
of what was happening like I don't know what was happening it was like but I
wasn't in my dreams yet like really happy or like go through emotions and
dreams like going through a movie basically is how I dreams but I didn't
feel any of that during my like sleeping it was like I
was just peaceful last night and but I just wasn't really like sleeping but I
got more rest from whatever I was doing last night then what else but actually
think but I just want us to be able to get to an
improvement without setbacks which I which isn't logical to expect that
because or to get improvement to it out like other random things going back and
like yesterday and today I've been saying that there's something wrong and
I can't tell what it is I think it's that I'm losing more of the
sensation in my legs then because I arm my arms have been fixed by the collar
my legs are there's been no change or just a little bit of progression which I
don't like obviously that's not like we're gonna have to figure out what's
going on there but we're just trying to get me back to a stable place before we
do the next set of scans and then talking about the future of surgery or
treatment options and I'm just exhausted but like my body just feel like it's
like giving out that's what I mean but it's just tired well hopefully oh and
tomorrow my physical therapist starts coming over to our house so uh I guess
we'll see how that goes and I won't vlog during that obviously cuz she just comes
for I think an hour and we probably tomorrow just gonna like see where I'm
at physically probably not good where I'm at right now
physically because I haven't really gotten off my bed in days because of the
paint's just so much last night we didn't go to Target and to get frozen
yogurt B existed and then today I just pretty much been in here the whole day
so just gotta keep push it on I just I think it's just I didn't I need time to
like process what's happened recently and then to be able to like move on to
or to be able to press forward with what everything else that needs to happen and
then I don't know I've just been copping a rough time like what the painted
everything but I try to pretend that I'm okay but it's just so hard I'll see you
guys tomorrow and hopefully I feel like better or at least just out of this
feeling of like this fight is never empty but just thought that's what
cronicbeats but I don't know I'll see you later bye B are checking the weather
weather report from Ellen you're so cold because I spilt me okay doll over my
jacket well just whoa it's hailing a lot of it it's like rain and marbles out
there oh there's um people driving by and then I opened the blinds abruptly
and then they were then looking at me and my fazool therapist came by and we
pretty much just did all the questions today and here's my things to do until I
see her on Monday so yeah I'm really distracted by the hail so I'll maybe
film later so you got a package from a viewer no no on the Instagram
I bought a message like three months no maybe did you send me like okay get out
not really mr. Timothy
I'm sure this'll tell me oh good oh well
here look what a nice hard
oh wow
plus she can't open it you're supposed to breathe it in and helps you relax but
you don't breathe air like that you put it in a diffuser
no these are the breathing in types I
haven't talked to you guys in a long time which is very sad but we got ready
for it ready for it the diffuser going wait I should press it a second time
because otherwise it's gonna like gas me out like it did earlier it was just too
strong I thought on high for me probably
because it's like do you see it and then my bed so I was we're trying to put it
over by my TV but our motto plugs over there so I need to figure assess the
situation and figure out what is even plugged in over there sorry if my
lighting looks really funky because my fan which is on still I don't know why
that's one but so update and then I think um after today I'm going to end
this vlog maybe and then try blogging again more regularly and not just like a
one clip a day type thing but it's um well so my
rubber hosing that my legs or I was saying that something felt weird but I
didn't know what felt weird and then yesterday I think I came to the
realization that the thing that felt weird that I didn't know what what it
was but something was off it was my legs they were hurting flesh
like tingly it was just weird well we were supposed to run out of one of my
medications today I think and so we who had been tapering down on it because I
have three that are new from the last hospitalization and the we can't figure
out who prescribed this because all all of my applications ended up being
prescribed by just whoever because my doctor was gone and then like an on-call
doctor in the middle the night I ordered one of them then one of them was is one
of the nurse practitioners and then we don't even know who the third one was
and so we are been having a major hard time finding are getting this refilled
or at least the prescription transferred over to our pharmacy
I don't know the disconnection between how or between the you know what I mean
like I don't see how they expect us to be successful at outpatient when we
can't get our things together and not really like general practitioners PT
Tricia and all those types there's like things that they are like they prescribe
regularly and then there's things that they just really just never prescribed
and my mom ended up calling her last night was like please just to prescribe
it just for this like month and then hopefully we will have everything to
figure it out by the end of it otherwise we will talk to my neurologist about
this which I'm getting a new neurologist anyways but we have an appointment with
the new neurologist
sometime at the beginning of next month and I don't know how I even feel about
that it's not another headache center it's at the Stanford one in the Hoover
Building but I mean headache doctors really haven't been able to help me very
much but maybe they stopped her will hopefully maybe I don't know but I need
I I'm supposed to be getting dressed right now because we have Zeus's
birthday Taylor's birthday and grandpa's birthday all celebrating them today and
um yeah I am still in my pajamas because Zeus's birthday we just kind of like
skipped over it sorry Zeus like our family went out to
dinner and I think that's analog and then but like with Gramps and gran and
Sharon and everybody we'd never celebrated um and then the hospital
happened and I was in the hospital on Taylor's birthday so that like their
family probably went out to dinner and we never like she's pretty much my
sibling so we kind of like celebrate birthdays and everything all you know
and then grandpa's birthday was on
Valentine's Day or the day after Valentine's Day I don't really know
okay well I'll get dressed and I will take you guys with me to dinner and I
think I'm going to dinner otherwise I'm just staying here and then an eating
dinner here because I can't eat dinner at the dinner place
and then when no one comes home to take a shower he will pick me up and we will
go to the eating cake part which I also I'm not gonna eat cake but you know what
I mean buddy go to Ellen he was here he comes
base it no he knows it's a good job buddy
is that to demean oh do you take a picture right in the hole Ian wait
there we got it bogged it up I just left the blimp in there randomly quiet
I watched the 36 minute one from yesterday yeah without it her nose oh
yeah I wasn't that I might have made the camera a little bit foggy up there you
go let's look at mine Napoleon now let's let's have like a light with a montage
now let's go to the cake cuttings on this side wow this is some amazing
quality
hi pops we are headed home and Nolan's driving and our parents are back we were
next to them and then Nolan told them to taste our midst because it's still
raining I think I I don't know if I ever said that but it's been raining for like
weeks or at least it feels my way
say goodnight
I love see you tomorrow maybe more Monday fight
-------------------------------------------
Meghan Markle baby shower: This is how much Meghan's extravagant baby shower has cost - Today News - Duration: 4:08.
Meghan has gathered with her closest friends to The Mark Hotel in New York for a baby shower in New York City
According to reports, her close friend Serena Williams is footing the cost of the extravagant cost of the penthouse suite where the baby shower is taking place
The suite boasts gorgeous views over Central Park but sets guests back $75,000 a night and it is believed it was rented for two nights
Meghan Markle news: Duchess of Sussex' baby shower venue REVEALED Meghan Markle baby shower: Guests REVEALED as friends arrive at do So the total cost of the room would be $150,000
But it is understood Meghan is staying in a separate one-bedroom suite at the same hotel, which costs $9,982
05. The penthouse suite is spread over two floors and contains five bedrooms, six bathrooms and four fireplaces and a 2,500 square foot terrace
Williams joined the Duchess for dinner at Ralph Lauren's restaurant the Polo Bar, along with stylist Jessica Mulroney and Markus Anderson
A dinner at the exclusive midtown restaurant would approximately cost $420 including drinks
Meghan also dined out elsewhere during her five day trip, and was spotted heading into Laduree in Soho with Jessica Mulroney over the weekend where an afternoon tea costs $25
The Duchess of Sussex was pictured heading to Cafe Bould at the Surrey Hotel with Abigail Spencer on Tuesday
The restaurant features a $39 two-course lunch six days a week, meaning Meghan's lunch at the restaurant cost a total of $78
Amal Clooney stuns in silk jumpsuit at Meghan Markle's baby shower Meghan Markle: LATEST details of pregnant Duchess' trip to NYC Meghan is believed to have travelled to New York from London on a first class British Airways flight
A five night return trip costs around $8,734.04. Along with the major costs of accommodation and flights, a number of lavish gifts have been delivered to the hotel
These include a large bouquet of long-stem pink roses which cost approximately $400
A Carnival King Cotton candy machine was also spotted arriving, costing $199.99. And several travel on suitcases from the brand Away were seen being delivered to The Mark, each of which cost $225
New York harpist and singer Erin Hill was seen arriving at the hotel where the average cost of having the harpist play at an event can cost $625
The intimate shower reportedly only included 15 of Meghan's friends, including Amal Clooney, her best friend Jessica Mulroney and Abigail Spencer who were spotted arriving at The Mark Hotel on Wednesday The mother-to-be is expected to depart New York on Wednesday evening as she is due to join Harry on their official three-day tour of Morocco on Saturday
-------------------------------------------
US : Nicki Minaj & Kenneth Petty: How He's Winning Over Her Friends After Initial Concerns About Him - Duration: 3:37.
For more infomation >> US : Nicki Minaj & Kenneth Petty: How He's Winning Over Her Friends After Initial Concerns About Him - Duration: 3:37. -------------------------------------------
How Much Free Money Do Budget 2019's Bicentennial Bonus & GST Voucher Give You? - Duration: 2:01.
If your annual income in 2017 was less than $28,000,
Budget 2019 has a good amount of cash benefits for you.
Here's a simple breakdown of all the free cash you'll be getting from the government!
Now if you're a Singaporean above 21,
and the annual value of your home is $21,000 and below
You earned $28,000 and below in 2017
And only have 1 property under your name
Then you are eligible for a GST Cash Voucher - Bicentennial Payment of up to $300.
This is separate from the GST Cash Voucher
which means that this year,
you actually get TWO GST Cash Vouchers.
Hang on, there's more.
Are you a tax payer?
Cause in 2019,
you'll be getting a 50% rebate on your income tax, up to a max of $200.
This Bicentennial Bonus stuff gets even better.
The Workfare Bicentennial Bonus gives lower-income workers a minimum cash payout of $100.
And an additional 10% of WIS payments.
To qualify, you will need to be a Singaporean citizen, aged 35 and above,
have a gross income of not more than $2,000 a month.
And of course, you're already a WIS payment recipient.
Now of course this is all probably meant to help Singaporeans as the GST continues to rise.
Expect GST to be almost 9% by 2025.
Well I guess there's no better time for you to save or invest your GST cash vouchers.
Other initiatives discussed in Budget 2019 include more MRT lines,
measures to combat climate change,
and improved bilateral trade relations.
-------------------------------------------
Royal news : Meghan Markle baby shower: This is how much Meghan's extravagant baby shower has cost - Duration: 3:48.
Meghan has gathered with her closest friends to The Mark Hotel in New York for a baby shower in New York City
According to reports, her close friend Serena Williams is footing the cost of the extravagant cost of the penthouse suite where the baby shower is taking place
The suite boasts gorgeous views over Central Park but sets guests back $75,000 a night and it is believed it was rented for two nights
So the total cost of the room would be $150,000. But it is understood Meghan is staying in a separate one-bedroom suite at the same hotel, which costs $9,982
05. The penthouse suite is spread over two floors and contains five bedrooms, six bathrooms and four fireplaces and a 2,500 square foot terrace
Williams joined the Duchess for dinner at Ralph Lauren's restaurant the Polo Bar, along with stylist Jessica Mulroney and Markus Anderson
A dinner at the exclusive midtown restaurant would approximately cost $420 including drinks
Meghan also dined out elsewhere during her five day trip, and was spotted heading into Laduree in Soho with Jessica Mulroney over the weekend where an afternoon tea costs $25
The Duchess of Sussex was pictured heading to Cafe Bould at the Surrey Hotel with Abigail Spencer on Tuesday
The restaurant features a $39 two-course lunch six days a week, meaning Meghan's lunch at the restaurant cost a total of $78
Meghan is believed to have travelled to New York from London on a first class British Airways flight
A five night return trip costs around $8,734.04. Along with the major costs of accommodation and flights, a number of lavish gifts have been delivered to the hotel
These include a large bouquet of long-stem pink roses which cost approximately $400
A Carnival King Cotton candy machine was also spotted arriving, costing $199.99. And several travel on suitcases from the brand Away were seen being delivered to The Mark, each of which cost $225
New York harpist and singer Erin Hill was seen arriving at the hotel where the average cost of having the harpist play at an event can cost $625
The intimate shower reportedly only included 15 of Meghan's friends, including Amal Clooney, her best friend Jessica Mulroney and Abigail Spencer who were spotted arriving at The Mark Hotel on Wednesday The mother-to-be is expected to depart New York on Wednesday evening as she is due to join Harry on their official three-day tour of Morocco on Saturday
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