News on Youtube Oct 3 2017

Are you due for an overhead crane inspection but you aren't really sure

what factors into the cost of it? Well, you are in the right place my friends,

because that's exactly what we're talking about today!

Welcome to Cranes 101!

What's up guys, Devon here from Mazzella companies and today we're tackling overhead crane

inspection. I'm gonna tell you what factors into the cost, I'm gonna tell you

how often you need to get your crane inspected, and most importantly and

probably the reason you clicked on this video is we're going to talk about how

much this is going to cost you. If you're planning your budget for the next year

or if this is a surprise inspection, there are a couple things that you can

do to really calculate the cost to really prepare for how much it's going

to cost so it doesn't catch you by surprise. That is the entire purpose of this video.

To help me explain this, I reached out to Ryan Willoughby one of the Mazzella crane

services field service technicians. With over 10 years of experience he was more

than willing to answer my questions about what factors is another cost and

those other two points that I talked about. We started the very very top with

what an overhead crane inspection entails. An overhead crane inspection basically

is, the technician going out looking for safety factors, problems with the crane

that could cause accidents or any mechanical failures so the crane will

run efficiently and safely so nobody will have any problems. So the purpose of

the inspection is to keep your team safe and keep your company compliant. But how

many inspectors does it take to inspect your facility? One inspector can probably

handle I say six b-class cranes a day. It might be a ten-hour day though if you're

dealing with a heavier duty class crane it'll take a team of guys a whole shift

to do some cranes are more complicated than others

obviously they're gonna take a lot more time to inspect all the components all

the extra limit switches all the motor controls. We do make cranes that are kit

cranes that are real simple. Running VFDs a few IEC contactors. Not a whole

lot to look at in the control circuit side. There's a big difference between

looking at mill duty crane versus a kit crane / b-class crane. It's night and day. It could take two

hours it could take twelve hours, with three guys.

When planning ahead for your inspection it's really important to take

into account how many cranes you have, what's the complexity of the way that

they're built? Those different factors will depend on how long the technicians

will be there and that's a really common question that we get here. "How long can

you expect those technicians to be on your site?" It's gonna be hours most

likely but the crane itself determines how long it's going to take. A small jib

crane, just the chain hoist on it that doesn't have any motorized

trolley function or anything is gonna take a short amount of time compared to

a Mill Duty crane, that's a DC crane that's got four motor DC-series

motors and stuff like that. Capacity of the crane doesn't always affect how long

it's going to take to do the Crane. I'd say the duty class is a more important factor

there. If you've got a 5-ton B-class crane you may be able to whip through it

pretty quickly. Compared to a 5-Ton mill duty crane might take twice as long,

three times as long to do that 5-ton. Now Ryan and I spoke at length

about some of the challenges our inspectors face from day to day.

Some places require that you go through training before we even walking into their

facility. Others require that you wear specific safety gear. Neither of those

are a problem but it does add to the cost. Other factors that affect of fast

an overhead crane inspections gonna get done and how efficiently it's gonna get done

I guess, is the equipment needed to get up there. Scissor lifts, JLG,z how

accessible it is, production schedule. Obviously whether you get on that crane

or you have to give up the cranes due to production. Site training. A lot of times on-site

training is whole day or half a day, just to be aware of the hazards that are in

the environment. You may have to have a ground guy might have to tape off a zone and so

these are all factors how much stuff is gonna cost as far as inspection goes. Access

to the crane is probably a bigger factor. Sometimes those areas that are almost

impossible to reach out to, and you have to shut down machinery or something or

have workers get out of the way and stop production so that you can access those

areas but you have to look at every area of the crane although sometimes they're

put in there's they're not thinking about that in those machine settings.

Ryan also told me that something that people typically forget about is

distance and travel time. If your facility is only ten minutes away from

the inspector that's great, they're just gonna be in they're gonna get out of

there. But if you have a huge facility with several cranes and you need an

entire team to come to your site to stay there for several days and then to get

back home, then you're talking travel, then you're talking lodging, then you're

talking food. All those different things will come into effect when you're

calculating your cost for the overhead crane inspection. So it's definitely

something to note and think about if you do live and you know that you operate

far away from the inspection facility. Obviously you want to be as prepared as

possible for your inspection. So we wanted to do what we could to help you

out in addition to this video. If you follow the link above it'll take you to

our pre-inspection checklist. It's a free download it doesn't cost you anything

whatsoever, but the guide will help you get organized help you better understand

what to expect and really just better prepare

yourself for the inspection. A lot of the cost that we've talked about so far are

things that you can account for. This checklist will help you get better

organized, so you can account for those things in your budget so they're not

surprises. The CMAA, OSHA , ASME and other governing bodies have a specific

criteria about how often you should get your cranes inspected. But what do the

inspectors think about how often you should or should not do it?

You should inspect a crane every time you use it at least a visual inspection

of the function check to make sure you don't have something going on your ropes

or your sheaves and make sure your limit switches in functioning so an accident.

You can you can do a monthly inspection yourself or have a qualified

crane technician looking at it. Why use somebody outside other than

using your own guys to do this inspection? I would say that they get complacent,

get used to hearing the same noises day-in day-out. It's kind of like if

you're looking in the mirror every day and you're gaining two pounds every

couple weeks you don't really pay attention to notice

that. Then you see somebody a month later and it's like, wow, you gained 20

pounds. It's the same scenario. Basically we're gonna walk in and we're gonna

notice that noise that's abnormal. That break shouldn't be that loud, let's go ahead

and take a closer look at that. Those types of scenarios.

Alright, let's get down to brass tax here. How much does an overhead crane inspection cost?

It's based almost entirely on how long it's gonna take and

what crane company you pick for the inspection. They range from, i'd say, $60

an hour at $120 an hour depending on the company. But you got to take in all those

factors we just discussed. How long it takes to get there, how long it's gonna take

to do the inspection. How many guys need to be on the inspection,

what equipment needs to be rented just to do that job. That's gonna make all the difference.

So we've noticed that every once in a while if you're comparing overhead crane

inspection quotes you might find an outlier.

Somebody who's offering you way less money to do that inspection than the

other quotes that you have. And we've come to find out that there's actually a

specific reason that you might find one quote cheaper than the rest.

You might find you're comparing quotes from some different companies that one of the companies is

extremely low compared to the other ones. And that's oftentimes it's just to get

their foot in the door to get some service work generated on those

inspections. Generally speaking the companies that

are in the same range are probably there just to do the inspection to keep you safe.

I hope video is able to help you better understand the factors that go into an

overhead crane inspection, how often you need to inspect your cranes, and most

importantly how much your overhead crane inspection should cost. If you like this

video definitely click Subscribe. There's an option right there at the bottom at

the end of the video there's option for you as well, that way you won't miss out

on any of the other videos that we've got in development. If you are into

overhead cranes or you have overhead cranes in your facility, definitely check

out the cranes 101 series that this is a part of because we've already covered

the different types and what they are and we're gonna keep on building on from

there. An overhead crane inspection is not just an investment in the safety of

your employees, it's also an investment in your facility. To make sure that you

don't have lead times. That your cranes aren't down. That you can keep production

going. When you weigh the cost of an OSHA fine or an injured employee, against the

cost of an inspection; it's a no-brainer. At Mazzella companies our field service

technicians work hand-in-hand with our companies to make sure that they are

safe and compliant. If you'd like to receive a quote or schedule a

consultation to develop a crane inspection program please reach out to

one of our crane specialists they'd be more than happy to help you out. For all

of us at Mazzella companies my name is Devon McCarty. Thank you for watching.

For more infomation >> How Much Does an Overhead Crane Inspection Cost? | Cranes 101 | Ep 3 - Duration: 8:33.

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How Much Do I Need For A Down Payment - First Time Home Buyer - Duration: 7:58.

Kris Krohn here with Limitless TV.

And today were going to be talking about down payments on property.

How much money do you really need for a down payment?

And are their down payments where you don't actually need a down payment?

That's all coming your way, right now.

Some of you have been reaching out on our site and have been asking, all right, how

much do I really need for a down payment?

Today's video I really want to dive in to how simple and basic this is.

I'm going to be sharing with you three different types of down payments.

The first type of down payment that you're going to need if your going to do real estate

would be for a primary residence.

Now you can and investor, and I always encourage investors to look at a primary residence,

or the home they are going to buy, for them to live in.

I'm going to encourage you to always buy that home as a house, as an investment.

So that it really can play on both sides.

And I think you'll see shortly why I do that.

Because, in our country, if you are buying a home for the first time.

And I want to be clear, there are a lot of programs out there that are called first time

home buyer, that doesn't mean you've never bought a house before.

I really actually should just translate to mean, I'm ready to buy another home to live

in.

And right now if your going to buy a primary residence.

Something just for you.

There are a lot of programs out there that will allow you to put in 3%, 5%, and there

are programs after programs after programs, federally sponsored programs.

And your loan officers, the people that are going to do the lending, and lining this up.

They are knowledgeable on this.

Now not all lenders are created equal.

Some of them are more knowledgeable on these programs than others.

But in general, the average lender is very familiar with these type of loans.

Now what's great about that is I could buy a home with a lot of equity, that would make

a really prime investment property.

But think about it, I've got a home that I could buy for $100K, that is worth $150K,

and guess what?

3% on $100K is $3000.

I walk into $50,000 of equity for $3000 out of pocket.

That's essentially what happened on my first house.

And I got hooked.

That was more than double what I made in an entire year.

And I'm like...

Man!

That is so smart.

2 years later I bought another home and moved again, because I wanted that 3% down payment,

right?

So that's primary residence.

The down payment, however, on what's called a non owner occupied.

Which basically means, a home I want to buy as an investor, and I'm not planning on living

in.

Your going to, on a non owner, or I'm just going to go ahead and write here, on an investment,

the standard is 20%.

And you'll find programs out there where lenders will say, well if you put 25% or 30% down

we'll really bump your rate down another point, or half a percentage.

I don't participate in those, because I would rather take that money.

I don't care about a half of a percent when I'm making all that money in real estate.

I'd rather take that extra money and put it where?

In another deal right?

You will find from time to time, depending on where we are at in the economy, before

we ever hit a collapse, there's always these stupid 0%, 5%, 10% lending programs.

And these are the banks that often go out of business and get spanked, right?

Like Washington Mutual went down hard, in the last economic crash.

And I've been banking with them since I was 16 years old.

And so, an investment property, even if they'll allow you to put down 10%, I still always

put 20% down.

And I just want to share with you why for a second.

When I purchase a house, and let's say it has a value of $100,000, and let's say that

I'm able to purchase this home for $70,000.

Then if I...

I've got a good equity position here, 30%, in fact that's really significant.

And if that gap right there, because I've hunted some good pirate treasure down.

Is going to equate to a larger cash flow.

Why?

Well think about it.

If I were to buy this $100,000 house for 100 grand, them I'm going to have a higher mortgage.

A higher mortgage means less cash flow.

So for example.

If I'm able to rent this home for $800 a month.

And my mortgage, if I just bought it, and let's just say at $100,000, and I just put

the minimum 3% down or something like that, I might have a mortgage of $700.

And a $700 mortgage and an $800 rent only leaves $100 left over.

It's not a great cash flow.

But if I buy it with this equity right here.

All the sudden $700 can turn into $500, and then check it out.

Now I have a $300 delta, a difference.

$300 of cash flow.

Now if I put 20% down on top of this $70,000, and let's just say then that what I'm going

to owe is ultimately going to be $55,000, guess what I just did.

I just lowered my payment again, and I made my cash flow even steeper.

So understand this concept of 20% down.

There is a reason I put 20% instead of 10%.

Some will say "but Kris, if I put 10% down, then my 20% will go into 2 homes instead of

one.

Don't you love that?"

And it all comes down to a definition of risk.

I have a lot of friends that lost homes, that played the market that way, in the last crash,

and I'm telling you, it's going to happen again.

And it's actually no very far away.

This isn't conspiracy theory, doom and gloom.

This is a 3000 year old cycle called the K wave Kondratiev cycle.

And every 20 years, real estate must correct.

In one of my other videos I share with you why.

The point is I'm always going to put 20% down.

It creates a safety margin, as Warren Buffett put's it.

10% puts down a less safety margin.

20%... look at all my cash flow right now.

My house now, it's worth $100K, I owe $55K.

It's almost half paid off.

So I'm always going to find a home with a big chunk of equity.

I'm always going to put 20% down.

And now all of the sudden, if the market corrects down, guess what I have?

I've got a buffer, right?

I've got a cushion.

And I've got my cash flow in the mean time.

So, I just want to throw that little bonus material in before I show you, the 3rd way

that you fund your down payments.

One is with the banks and government with these 3% to 5% loans, if your going to be

doing a primary residence to live in.

20% if it's an investment property.

And then, I'm going to share with you my favorite way of funding these with nothing.

Now if you want to know how much money I put down when I buy real estate, on 99% of the

deals that I do, I put down nothing.

Because I believe in this no money down real estate thing.

Because I'll always bring partners to the table.

If you've got to wait to have the money yourself, then guess what the problem is?

The problem is that, you're going to have to be saving for a very long time, and your

taking the, never going to get there road, in most circumstances.

I mean even if you live within your means, and your saving a couple thousand dollars

a month, you've got to wait years between doing real estate transactions.

And then it will eventually snow ball and get where you want to go.

But the shortcut is to do real estate now through a partner.

In fact, one of the reasons why people will respond to the form below this video, and

say "hey Kris, I want to partner with your team."

Is because I'm going to teach you how to buy all the real estate you want, without ever

bringing money to the table.

It's called deal making.

And so, while it's 5% or 3% down payments on a primary residence, 20% on investment

projects.

For me it's always a nothing down.

In fact right now I'm doing a huge project, and I'm not putting a penny of my own money

into it, because no money down is one of the coolest forms of down payment.

I do have to give up, generally, half of the profits with other individuals.

But you know what?

Making half the money without having to put any money in, ends up turning into an infinite

ROI.

So it works really, really, really, really really, really well!

I hope you've enjoyed today's video.

Be sure to subscribe.

I want to notify you, and let you know about all the other exciting topics that we're shooting

videos on, that are made just for you.

For more infomation >> How Much Do I Need For A Down Payment - First Time Home Buyer - Duration: 7:58.

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😈 6lack Type Instrumental Ex 2017 | "How Much" - The Lo-VibE - Duration: 3:17.

6lack Type Instrumental Ex 2017 | "How Much" - The Lo-VibE

For more infomation >> 😈 6lack Type Instrumental Ex 2017 | "How Much" - The Lo-VibE - Duration: 3:17.

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How Much Do We Tax And Who Pays? | Ron's Office Hours | NPR - Duration: 4:50.

Taxes.

We love to hate them.

And we hate to need them.

And this Congress this fall is going to spend

a lot of time debating them.

I'm Ron Elving at NPR.

Thank you for coming to my office hours.

The history of this country can be read as

a series of tax revolts,

from the Boston Tea Party in 1773

to the latest reincarnation of the Tea Party in 2009.

But overall, [in] those intervening years

we have also become rather attached to some of

the things that taxes pay for.

So at this point it isn't a question of whether

or not we have taxes but how much do we tax

and who actually winds up paying those taxes?

Now, the federal tax burden was originally

borne primarily by tariffs and fees on trade.

But for the last century or so,

the burden has been increasingly shouldered by income

and payroll taxes on businesses and on individuals.

Congress may raise taxes

in time of war for other causes,

or Congress can cut taxes

the way they did rather dramatically

at the beginning of the presidency of Ronald Reagan.

Now, Reagan had been an actor right after

World War II in the 1940s.

He started making a great deal of money and

discovered that the top tax rate in those days was

90 percent on his last dollar of income.

He found that pretty hard to bear and

changed a lot of his views on government and politics.

And when he became president in 1981,

he introduced a tax cut plan that over three years

reduced that top rate to about 50 percent.

But he still wasn't satisfied and in his second term after

he was re-elected, he put forward a Treasury Department

plan that would lower rates still more

and pay for that by eliminating

a lot of the tax shelters, tax breaks and

special treatment that people were able to get to

shelter some of their income from those high rates.

Now, the Treasury plan ran into some trouble

on Capitol Hill, where there were lots of lobbyists

for the people who were losing the special treatment

they had under the current code.

And so eventually a group of senators got together

and said the way to beat this is to get more radical.

Lower the rate all the way from 50 percent

all the way down to 28 percent

and eliminate even more of the special treatment for

certain favorite interests and individuals.

That turned the trick.

They passed it in the Senate.

They got it through the House.

President Reagan signed it into law.

That was the Tax Reform Act of 1986.

And that was the most significant change made to our

tax system on the federal level since the creation

of the income tax itself a hundred years ago.

Since that time Congress and a succession of

presidents have been busy tinkering with the tax codes

some more, putting in special treatment and differential

treatment for certain kinds of activity,

and that of course pushing the top rate back up

gradually towards 40 percent.

At this point, the business tax has a top rate of

35 percent but actually relatively few businesses pay

that full 35 percent because there are lots of ways for

them to legally limit their exposure to the tax and pay

less than 35 percent in effect.

So it's time to go back at this entire tax reform business

again, as Congress has tended to do roughly once

every 30 years.

Broadly, Congress has two options:

They can enact major surgery on the tax code

as they did in 1986.

Or they could just pass tax cuts.

Just lower the rates particularly for certain

income groups. That would be popular.

That could get a lot of votes from Republicans,

who have been talking about tax cuts for years.

But many Republicans don't want to do that

unless those tax cuts are paid for by spending cuts.

Otherwise it would just add to the annual budget deficit,

and that adds to the national debt — which is already

at $20 trillion dollars and counting.

But there just is not a consensus even within

the Republican Party as to where to cut the spending.

Where do you spend less money right now?

On the military?

On roads and bridges?

On Social Security?

Medicare?

Perhaps education?

So for months Congress has been looking forward

to finishing with health care and turning to the much

more fun prospect of cutting taxes and overhauling the

tax code, but right now it looks as though that might

be a case of leaping from the frying pan and into the fire.

At NPR, I'm Ron Elving.

Thank you for coming to my office hours.

For more infomation >> How Much Do We Tax And Who Pays? | Ron's Office Hours | NPR - Duration: 4:50.

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How to Get Slim Fast - Duration: 3:22.

how to get slimfast a lot of people want to be skinny and fast but their idea of

being slim is mostly based on people who are considered as ectomorphs

or people whose body is built to be slim regardless of how much they eat but

there are other types of bodies such as Mesa morphs who usually gain fats but

can quickly lose them and there are the Anto morphs which are people who have a

hard time losing weight one know your body type before you embark on a

slimming program it is important that you know your body type first there are

plenty of body type calculators online that can help you measure your body fat

to know which type you belong to this will also help you determine the ideal

weight that you should be targeting to avoid crash dieting a lot of people go

for crash diet programs because they want to lose weight fast but this

doesn't help them one bit as these diet programs can only trigger your body's

starvation mechanism which causes your body to absorb as many fats as possible

to help fuel your body 3 break down your main meals into smaller meals instead of

sticking with three full meals per day break them down into smaller meals so

that your body is constantly burning calories plus you won't be too hungry to

wolf down 2 or more helpings of food every meal for include cardiovascular

workouts for those who want to achieve a skinny frame diet alone won't suffice

you need to work out your muscles to increase your fat-burning abilities when

you exercise you are helping tone your muscles to make them firmer and stronger

for a better looking physique 5 resistance training is necessary when

you go on a diet your muscles tend to become loose to

stop this from happening doing resistance training is a must this not

only helps boost your metabolism but it also helps with toning and sculpting

muscles 6 try running if you can't hit the gym regularly or if you just need a

break from all the weightlifting that you're doing why not add running to your

fitness program this is a good cardio workout plus you get to explore new

routes which can help you enjoy your runs even more 7 do healthy eating

another way to become skinny is by switching your regular diet into

something healthier add plenty of vegetables and fruits as well as lean

meats and fresh fish to your diet to get plenty of vitamins and minerals like and

share this video if you want more videos subscribe to this channel

For more infomation >> How to Get Slim Fast - Duration: 3:22.

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10+ Pictures Prove How Much TWICE Has Changed Since SIXTEEN - Duration: 3:31.

10+ Pictures Prove How Much TWICE Has Changed Since SIXTEEN

Its been two years since the girls were on the survival program SIXTEEN, and photos of them during the show compared with recent photos from their latest promotions prove just how much theyve changed.

Nayeon.

During SIXTEEN.

Jeongyeon. During SIXTEEN.

During SIXTEEN .

During SIXTEEN.

Jihyo. During SIXTEEN.

During SIXTEEN.

Dahyun. During SIXTEEN.

Chaeyoung. During SIXTEEN.

Tzuyu. During SIXTEEN.

For more infomation >> 10+ Pictures Prove How Much TWICE Has Changed Since SIXTEEN - Duration: 3:31.

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The Top 10 Apps - You do not know how much it will take to bring them - Duration: 6:11.

The Top 10 Apps - You do not know how much it will take to bring them

For more infomation >> The Top 10 Apps - You do not know how much it will take to bring them - Duration: 6:11.

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How Much Does Homeowners Insurance Cost? | Allstate Insurance - Duration: 1:23.

Wondering what determines the cost of homeowners insurance?

Here are some factors that may affect your homeowners insurance premium.

First, consider your types of coverage.

Certain coverages, such as dwelling, personal property and liability, are standard parts

of a homeowners insurance policy.

You may decide it makes sense for you to add optional coverages, as well.

For instance, if you purchase water backup coverage, you'll likely pay a bit more for

that added protection.

Each coverage in your policy has its own limit.

A limit is the amount of coverage you purchase and the maximum amount your policy will pay

for a covered claim.

The limits you select may play a role in the cost of your homeowners insurance.

Next, think about your deductible.

This is the amount you typically have to pay out of pocket toward a covered claim before

your insurance coverage kicks in.

If you select a lower deductible, you will typically pay less out of pocket toward a

covered claim.

However, the overall cost of your insurance premium may be higher.

On the other hand, if you choose a higher deductible, your out-of-pocket costs will

typically be higher – but your premium may be less.

Homeowners insurance prices can vary because no two policies are alike.

Contact a local agent to get a homeowners insurance quote for the coverages that fit

your needs.