Yt News today: Youtube daily report Nov 19 2018

For more infomation >> BENDY V MINECRAFTU!!! ✒️ | IKONA UNESLA AGRESIVNÍ ANIMOVANÁ POSTAVIČKA?! 😨 /w Ikonova Videa - Duration: 12:13.

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Lặng im yêu thương.. - Duration: 4:19.

For more infomation >> Lặng im yêu thương.. - Duration: 4:19.

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Is It Possible to Earn 12% In the Stock Market? - Duration: 15:56.

Is it possible to earn 12% per year in the stock market?

If so, how?

If not, what is a more realistic return to expect to make in our investments?

That last question, in particular, is one that many people ask all the time and everyone

seems to have a different answer to it.

And the reason for that is because there are so many variables that go into answering the

question that it is incredibly unlikely that anybody is going to get the same exact answer

as somebody else because their situations are different, what they're investing in is

different, how much they're investing is different, and their time frames are also often times

different, and of course there is always the fact that we just can't predict the future

of the market.

Yet we still hear that you can expect maybe 6% or 7% per year on average in the market

over the long-term and sometimes we hear 8%, sometimes we here 10%, and of course sometimes

we even hear 12%.

Now that is an incredible claim!

12% a year... that means your money is doubling itself roughly every 6 years assuming you

follow the rule of 72's.

The man that makes that claim is Dave Ramsey someone who many on the internet are notoriously

against, at least when it comes to this particular claim.

Why is that?

Well, you might think yourself, that's because 12% is totally unrealistic, maybe even borderline

impossible for the average person.

So, of course, the internet would be mad at Dave for making that claim, he's misleading

people.

Why can't he just be honest?

But is he?

Is 12% actually that unrealistic?

Is this claim actually just a lie?

Those are some of the questions that I hope to find an answer to today.

Today we're going to find out if earning 12% on your investments is actually possible

for the average person.

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

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

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

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

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

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

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

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

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

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

like me to cover in future videos.

So in order to find out whether 12% is actually possible for the average person we first need

to look at what the average person is capable of or desires to do when it comes to investing.

The average person probably doesn't want to spend a ton of hours looking at all these

different Investments and all these different sectors trying to find the absolute best possible

investment.

Investing just isn't a huge passion of theirs.

They realize how important investing is so they do invest, but they aren't necessarily

trying to find that diamond in the rough stock that nobody's heard of yet but eventually

is going to grow exponentially.

That doesn't mean that they can't chance upon said stock, they're just not spending a ton

of time researching and looking for that stock.

As a result, they're either more likely to put their investments into whatever their

financial advisor tells them is good or to invest in index funds like Warren Buffett

suggests.

Since I don't know what this hypothetical person's advisor would tell them is a good

mutual fund I'm going to just assume they follow Warren Buffett's advice and buy an

index fund.

In addition, I'm going to be using different dates than I usually do in these videos because

I have seen a couple of people complaining that I always use the same dates, namely the

dates of the last 40 years.

People have pointed out that the last 15 to 20 years have been some of the worst in the

history of the stock market and in terms of just pure stock value appreciation, they're

right.

Of course, that's not exactly the most important thing to look at which I've already covered

in a previous video link in the description, but that doesn't mean the idea isn't valid,

because it certainly is.

So in the interest of taking out two birds with one stone, I am going to only use dates

from 2000 onward in this video.

So let's get started in this video I'm going to be using three different index funds as

examples one of them is a small Cap Fund, one of them is a large-cap fund, and one of

them is a biotech fund that way we get a good mix of different sizes of companies and some

more focused investments so we see a little bit of everything.

The three funds I'm going to use are the IJR fund, the IBB fund, and the ONEQ fund.

Why only 3 funds you might ask?

Take a look at how long this video already is with just three funds.

That's why.

Lastly, before we get into the actual numbers as always I want to say that past performance

does not predict future results and I'm not saying that anyone should go out and buy any

of these three funds nor am I saying that they shouldn't buy any of these funds, I'm

just using them as examples.

As always be sure to speak with a professional that can look at your specific situation before

making any major financial decisions.

So let's talk about how this is going to work.

I'm going to start by taking a look at what the rate of returns would have been for each

of these funds had we put $10,000 into the market right at the start and then just let

it grow and then I'm going to look at how much of a difference we would see in the rate

of return if we were investing regularly instead of just putting in $10,000 and then letting

it sit.

So first I'm going to start with the ONEQ fund.

This is a fund that aims to track the NASDAQ composite index which I've covered in previous

videos and you guys are probably already fairly familiar with it since it along with the Dow

Jones Industrial Average and the S&P 500 is probably one of the more well-known indexes.

It is considered a large Cap Fund which basically means most of the companies within it are

fairly big companies and it was created on September 25th, 2003.

So I'm going to go back pretty much as far as I can with this index and say we started

investing in October of 2003 and let the investment grow until August of 2018 which is the latest

date I have as of the writing of this script.

Assuming you invested $10,000 into the fund in October of 2003 and didn't invest anything

more until today, except for the small amount of dividends that you got over those nearly

15 years, the fund would have grown from $10,000 to a little over $46,000 after all of the

expenses have been taken out.

That's an average annual rate of return of a little bit under 10.9%.

Not bad especially since we were investing during part of the DotCom bubble and had to

go through the housing crisis, but it isn't 12%.

Let's take a look at the IJR fund next.

The IJR fund is a small Cap Fund which basically means that most of the companies in it are

fairly small and it seeks to track the results of the S&P smallcap 600 index.

This one has been around a little bit longer than the ONEQ so it enables me to go back

before the dotCom bubble burst which is what I'm going to do.

We're going to start in June of 2000 which is right about when the dotCom bubble was

about to burst and then we're going to again go all the way to August of 2018.

Again let's assume that we put $10,000 into the market in June of 2000 which was not the

best time to invest a huge chunk of money and let's assume that with the exception

of dividends which we will reinvest, we don't put anything else in we just let the investment

grow.

After expenses, we would have an investment that is worth about $62,500 in August of 2018.

That's a rate of return of about 10.6%.

Again not bad especially considering we jumped in right before a crash and didn't continue

investing to help ourselves recover our net worths quicker because we were just letting

it ride but again it's still not 12%.

So let's take a look at the last one the IBB biotech fund.

The IBB fund seeks to track the investment results of an index composed of Biotech obviously

and also pharmaceutical equities listed on the NASDAQ.

Again unfortunately like many index funds, it hasn't been around for a really long time

the IBB was created on February 5th of 2001.

So that's as far back as I'm going to be able to go with this one.

For the record, this is why I usually use the actual indexes in my videos as opposed

to specific index funds because they've just been around longer so we have more data

on them.

But anyway say that we put $10,000 into the IBB fund in February of 2001 and just let

it grow just like the last two Investments all the way to August of 2018.

After expenses that investment would be worth about $37,500 today.

That's a return of 7.8% per year on average.

Not quite as good as the other two and certainly not 12%.

So looking at the numbers, it does seem that in terms of just pure growth on $10,000 or

$1,000 or whatever it happens to be...

12% at least 15 to 20 years does not seem to be a realistic expectation for the average

person.

However, the average person working and continually investing isn't just putting $10,000 in at

the beginning and letting it ride.

They may or may not even have $10,000 to be able to put in right at the beginning.

What they are doing is continually investing a certain amount every month until they decide

to retire.

And I would contend that the average person isn't quite as concerned about what their

rate of return on $10,000 would be as they are concerned with how much is their net worth

growing on average every year and how much can that net worth buy them today or a year

from now or 10 years from now?

So with that question in mind, I decided to go back to those same funds and see if there

would be any difference in the annual rate of return if we were investing every month

instead of just putting $10,000 in at the beginning and letting it ride.

I assumed with all three of these funds that we started with zero and invested $300 a month.

Under that scenario, if we invested $300 a month in the ONEQ fund over that same time

period after expenses we would have a net worth of about $164,000.

Which means that our actual effective annual rate of return is about 13.9% per year.

But wait a minute didn't the same stock over the same period of time only get us like 10.4%

just a couple of minutes ago what the heck happened?

Well a couple of things happened first we started looking at the growth of one's net

worth as opposed to just the growth of $10,000 invested as a lump sum and secondly, we started

taking advantage of compounding frequency.

Before we put in $10,000 right at the beginning and then just let it ride now we're adding

to our investments every single month, $300 at a time which means that we're actually

compounding the amount in our investments every single month.

So even though the stock prices are going up and down in the same exact way as before

we are recovering from the drops and taking advantage of the highs more effectively because

we're continually buying more shares which also means that when a dividend is given out

we're getting more and reinvesting it to continue building this snowball.

It's really a very powerful thing.

And if you want to check the numbers for yourself look up a compound interest calculator I recommend

the one on the calculator site.Com because it allows you to change from years to months

and it's just a bit more flexible overall than some of the other ones I found and it

is the one I used for this video.

But if you start with a base amount of $0 at an annual interest rate of 13.9% over the

course of 178 months which covers our time in this investment from October of 2003 to

August of 2018.

Put in a regular monthly deposit of $300 with a yearly compound interval and you'll see

that the net worth at the end is $163,900 which is right about what we ended up having

in our example.

Just for fun, I recommend you look at the bottom of those calculations and see that

it has numbers for the base amount, the interest rate, the effective annual rate (which is

the one that we as individuals would be most interested in), and the calculation period.

You'll notice that the interest rate and the effective annual rate are the same in this

example but if you go back to the top of the page and change the compound interval (which

is another way of saying compounding frequency) from yearly down to monthly and then have

it recalculate you'll notice that not only is your ending net worth different and higher

than before, but that effective annual rate shoots up to 14.82% simply because it was

compounding more frequently in this particular case.

That, in a nutshell, is why it is advantageous to continue investing on a consistent basis

because you're giving yourself a little bit of a boost in terms of rate of return just

by being consistent.

And if we take a look at the IJR fund and do the same thing that we did with the ONEQ

fund where we're investing $300 a month but this time it's over the course of 218 months,

we see that we have an ending net worth after expenses of about $223,900.

We put that into the compound interest calculator.

Again with zero for our base amount since we're starting with nothing, 218 months for

our calculation period, $300 being deposited every single month, compounded yearly since

we're trying to figure out what our annual rate of return is and you'll find that in

this example we achieved an effective annual rate of return of about 12.2%.

Looking at the IBB fund the numbers are fairly similar.

Again investing $300 a month for 210 months would have given us a net worth of about $238,500

and an effective annual rate of return of about 13.7% per year.

So is it realistic to expect a 12% rate of return in the market?

Well if we're going just purely on the growth of a lump sum amount probably not at least

not over these last 15-20 years for the average person.

However, if you take advantage of some quite simple investing hacks it is possible to have

your net worth increasing by an effective rate of return of 10%, 11%, or even nearly

12% even in these last 15 to 20 years.

So while I personally wouldn't want to expect 12% returns on my investments (I usually figure

something in the neighborhood of 7%-8% and anything above that is a bonus)… it is technically

possible.

The last thing that I want to point out is that if you account for inflation the numbers

would obviously be different.

And I would recommend keeping inflation in mind because the amount of money you have

isn't as important as what you can actually do with that money.

So if you account for inflation which has averaged between 2%-3% per year then you could

argue that it is difficult to increase your buying power by 12% per year through the stock

market alone, especially if you're retired and not increasing your income through raises

or a side hustle.

And that may well be true, even if you took 2%-3% off for inflation we're still looking

at average effective annualized returns of about 10%-11% per year depending on what you

are invested in even with the dot-com crash and the housing crisis factored in.

Which isn't half bad if you ask me.

Ultimately, the thing I want you to take away from this video is that in the end, the key

is to just keep investing.

Hey everyone, quick post-production note I recorded the audio for this video at the beginning

of September so I was using dates up to August of 2018 since that was the last full month

that I had access to at the time, but I wanted to give the updated figures through October

of 2018 since that's when this video is going to go up.

After the horrible month that October was for the market as a whole, the current return

figures for the IBB is about 11.8% per year after losing roughly 16% of its value in October.

For the IJR it's about 10.5% after losing about 15% of its value through October.

And for the ONEQ it's about 12% after losing over 13% of its value through October.

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

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

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

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

out there and start our own Financial revolution.

For more infomation >> Is It Possible to Earn 12% In the Stock Market? - Duration: 15:56.

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Kids Meet A Bank Robber (Ethan and Helena) | Kids Meet | HiHo Kids - Duration: 5:00.

- Have you seen Batman?

- I have.

- You know the Joker...

- Yes.

- Wore masks and stuff? He was a bank robber, too.

- And Joker is a

- [Ethan] Crazy!

- cuckoo, crazy cuckoo.

- Yeah, well I wasn't as crazy as the Joker.

- Joker's not really real.

(light playful music)

(chairs clunk)

- Hi, my name's Ethan.

- My name is Helena.

- Helena, my name is Anthony.

- Nice to meet you, Antony.

- Nice to meet you.

- So, what did you used to do in your past?

- I was a football player.

- Really?

- Yep.

- I like soccer.

- Yes, well, it's kind of the same name. Football...

- I like basketball.

- I love basketball.

So, I played in college and then I hurt my knee.

Have you ever heard about addiction?

- No.

- It's a weird... it's a big word.

- A-ddic-tion. Three syllables.

- So, what happened is, I was playing sports,

and I got injured really bad, and then

I was given a medication to help, right, with the pain.

- Mm-hm.

- The problem was is I just kept taking the medication.

And because of my bad choices, I said, "How am I going

"to get money?"

- You're a banker?

- Close.

(laughs)

Very close to a banker.

- Are you a bank robber?

- I was a bank robber.

- Yes.

- How much money did you rob?

- I got 400... thousand.

- So, past 100, past 200, past 300, into 400.

- Yes.

- I've got a question.

- Go ahead.

- You know the car they bring money to the bank?

- Yes

- What part did you rob; the truck, or the bank?

- I robbed the truck.

How did you know all the difference between all the stuff?

- I watch movies.

(Anthony laughs)

- Ah, well, okay, well yes, I robbed a Brinks armored car.

- How you did that?

- I know, I wouldn't do karate.

- You wouldn't do karate, yes.

Say I'm trying to rob the armored truck.

- Yeah.

- Right, and I go up there, and I go, "hyah!"

(Ethan laughs)

- It's gonna take some time to fight, right?

- Oh, yeah!

- Yes. And they have guns, actually.

- What? I thought they have tasers.

They shock the man, and then they call the cops,

the cops take him in jail, and another guy who got tasered

didn't even know what hit him.

(Helena giggles)

- So, because of all that, I kind of knew kind of

the same stuff, but I was like, okay well,

how can I make sure he doesn't shoot me?

- Make him blind?

- Kind of but I didn't want to make him...

- For a minute?

- Make him blind for a minute.

I used stuff called pepper spray.

- You would be blind like this.

- That's right, you can't see anything, but, guess what?

In like a couple minutes, you're going to feel

a little bit better.

- No!

(Anthony chuckles)

I don't think so.

- Well, do you think you'd feel better the next day?

- Yeah.

- Yeah, that's right.

- How do you get away with the money?

- I had a landscaper, like a yard worker's, outfit on

with a wig, and I ripped all of this stuff off, and I threw

it on the ground in a pile, and I had a totally different

outfit on, okay?

So, what are people gonna say?

"Who robbed the bank?"

"The person wearing the orange did." Da-da-da-ta-da!

- Oh, you were going, you...

- That's right, was I wearing orange any more?

- [Helena] No!

- No, you weren't.

- After I used the pepper spray,

- Yeah?

- I ran across the street, 'kay, now right across

the street, it dips down, and you couldn't see

what was going on.

Well, there was a tiny little stream.

Who in their right mind would ever get on a floatie

to escape from a bank?

- No one.

- No one. So, I got on a giant floatie,

- Uh-huh.

- and there was this cable, and I got on my back,

and I pulled myself upstream really fast.

- Yeah.

- 'Kay, and then I got out, and I had a friend there

waiting for me, and I put the money in the trunk of a car,

and I got inside the trunk, and my friend shut the trunk,

and he drove off, and once I got far enough away

from the bank, I got into a different car and I drove,

basically, back home.

And then I had dinner with my family.

- Wait, so you hide the secret?

- It was a secret, yes.

- Like Spider-Man hide his suit?

- Except Spider-Man was doing good things.

- Yeah.

- Yes.

- Have you seen Batman?

- I have.

- You know the Joker...

- Yes.

- Wore masks and stuff? He was a bank robber, too.

The bad guy landed

- Bad guy? Am I a bad guy?

- Yes. - No, you're not.

(Helena giggles)

(Anthony pretends to cry)

There, there. There there.

- Did you went to jail for it?

- I went to jail.

- So, how long have you been in jail?

- I was sentenced to six years in prison, for...

- And then you learned your lesson?

- I did. Not so much, prison, and that I got punished,

and all the things that happened in prison.

It was that I was away from my kids.

Can I push rewind? Beep!

(makes rewinding noise)

And go back?

- No, you can't.

- No, I can't. I wish I could.

- Yeah, I learned my lesson.

- You learned your lesson? From me?

(Ethan laughs)

That's good. That's good.

That means...

- Never rob a bank.

- You're really good at this.

- I am.

(Anthony laughs)

For more infomation >> Kids Meet A Bank Robber (Ethan and Helena) | Kids Meet | HiHo Kids - Duration: 5:00.

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Now United - What Are We Waiting For Reaction [Koreans Hoon & Cormie] / Hoontamin - Duration: 7:30.

When we watched music videos

We just appeared in these clothes recently

I have not only this shirts

We just filmed videos when I was wearing this

Same to me

It's the same as that

It's the same as last time

We can't remember everything when and what we filmed

Some video uploads can be delayed

And the order can be changed slightly

Anyway a music video today is

It was recommended by our subscribers

A new song of 'Now United'

But a surpring thing of this song is

As our subscribers know

In addition to being made up of members from 14 countries

They said that this music video was filmed in Korea

Will there appear places I know?

Let's go to watch?

Appear for a while, like at that time?

Was it all filmed in Korea?

I wonder if all those members have come to Korea?

There are a few more scenes from Korea, I think

Korean signboards...

Maybe they came all

Interesting, is it a Korean noraebang?

Good voice

The singing atmosphere and the lyrics match well

What a nice rhythm

Good song

In noraebang, you have to play like that

Is this girl the Korean member?

Heyoon, the Korean member

What...

The song is so good

I think this part is good

And also this part

This part looks something different feeling

I thought they could show us various aspects of Korea

But only in noraebang...

They only showed a Korean street once

And this noraebang is in USA, isn't it?

It could be

Just filmed in a Korean town in LA?

Something weird feeling

There are no people, when they filmed?

I think this isn't LA

Signboards are look like in Seoul

This song is good

If they filmed this at 8 or 9 in the evening

With people around them

It would have been an issue

Maybe they filmed at 4 A.M

We watched 'Summer in the city' first

And 2 or 3 months passed

This song is so good

To express, a song that will become famous soon

It was a popular song

However, they said that it was filmed in Korea

I expected that they show various places in Korea

But there was only one street, so I was a little disappointed

They just stayed in the noraebang room

It's uncomfortable that many people into the narrow space

Maybe they lent a big room

No, they were stuck together

Anyway, it was filmed in Korea

Because Koreans use SNS a lot

If members of different nationalities gathered together and sang

It should have been an issue

I'm a little sad about that

Because we haven't heard of this group in Korea

We watched only through Youtube

If it was propagated, it would have been more familiar

I just thought that

We watched the song before

The song, and this song, so good

Good to follow the beat

I kept the beat with my feet

An easy song to sing along

I usually like the chorus part of the song

But this time, I felt a little different

I don't know what kind of music this is

And rather, the front part was better

Which can reach many people

So it was a bit memorable

I expect the next song

If the first was good, and the second is good

Then the third will be good

I expect the next song

Channel Hoontamin, please love and subscribe us

For more infomation >> Now United - What Are We Waiting For Reaction [Koreans Hoon & Cormie] / Hoontamin - Duration: 7:30.

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Chủ quán kem BUBU lý giải tên gọi kỳ quặc hút đông nghẹt giới trẻ Sài Thành - Duration: 12:07.

For more infomation >> Chủ quán kem BUBU lý giải tên gọi kỳ quặc hút đông nghẹt giới trẻ Sài Thành - Duration: 12:07.

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The Most Scandalous Outfits Worn By Royals - Duration: 3:39.

It may not make much sense to us commoners, but the royal dress code is serious business,

with many spoken and unspoken rules about what's appropriate and what's a faux pas.

Here are just a few of the most inappropriate outfits ever worn by the British royal family.

Princess Eugenie married her longtime love, Jack Brooksbank, at St. George's Chapel in

Windsor Castle on October 12th, 2018.

Like all royal weddings, it was an opulent, star-studded affair, and a fashion lover's

dream.

Unsurprisingly, Eugenie's wedding dress was absolutely stunning and largely uncontroversial,

but her second wedding dress of the day, worn during the reception, raised a few eyebrows.

Cosmopolitan reported that her first break from royal tradition was opting for a gown

by Zac Posen, an American designer, rather than a British one.

Even more controversial was the fact that her gown was blush pink rather than the traditional

white or ivory.

Though she likely ruffled a few royal family feathers, she looked absolutely radiant in

both dresses.

Kudos to Eug for taking a big fashion risk!

Kate Middleton has been a staple of the royal family for so long that it's difficult to

recall a time when she wasn't Catherine, Duchess of Cambridge.

However, before Middleton married Prince William in a real-life fairy tale ceremony, she was

just a regular college-going gal, hanging with friends and strutting her stuff on a

catwalk.

Yep: While she never pursued a career in modeling, Middleton did lend her good looks to the 2002

annual Don't Walk charity fashion show.

Wearing a see-through dress by designer Charlotte Todd with only a black bra and underwear set

underneath, the future Duchess of Cambridge looked every bit the part of a supermodel

as she confidently glided down the runway.

As it happens, Prince William was sitting in the front row, and he was reportedly blown

away by the brunette beauty's daring.

It's likely no one thought the girl in the see-through dress at the fashion show would

marry into the royal family less than ten years later, but Middleton is full of surprises.

These days, the closest she gets to a fashion faux pas is wearing the same dress over and

over, as Cosmo reported in 2016 about this little lilac number.

There's an unspoken celebrity rule against recycling looks, but with a dress this fantastic,

who cares?

Ever since her days as a Hollywood starlet, Meghan Markle has been totally slaying the

fashion game.

And while some of her royal fashion choices have come as a shock to those who prefer tradition

over change, they have yet to disappoint, style-wise.

This American actress turned Duchess of Sussex doesn't give the impression of an untouchable,

highfalutin royal; instead, she genuinely seems like she could be your BFF.

But this relatable royal makes mistakes, just like the rest of us.

Case in point: in October 2018, photographers captured the new bride and expectant mother

wearing a bold, red midi dress while stepping off a flight with Prince Harry in Tonga.

At first glance, everything looks business as usual, but a closer look reveals a tag

still dangling from the bottom of the Duchess' dress.

Hey, we've all been there.

And with the whirlwind year Markle has had, we think this slight oversight can certainly

be forgiven.

Princess Diana was arguably the most famous and beloved royal in modern history.

Her legacy lives on through her humanitarian work, her sons, and, of course, her iconic

fashion moments.

One of those moments came on the heels of another quite iconic moment in the young princess'

life.

On June 29, 1994, Princess Diana arrived to a Vanity Fair fundraising event wearing a

midnight-black, off-the-shoulder, curve-hugging cocktail dress with a plunging sweetheart

neckline.

The night of the fundraising event just so happened to also be the night Prince Charles

admitted in a televised interview that he had been unfaithful in his marriage to Diana.

Charles said he was a faithful husband until their marriage reached a breaking point.

"Until it became irretrievably broken down."

The timing lead many to believe the little black dress was Diana's way of letting the

world know she didn't need a prince.

Diana's former stylist, Anna Harvey, recalled in 2013,

"[Diana] wanted to look like a million dollars.

And she did."

For more infomation >> The Most Scandalous Outfits Worn By Royals - Duration: 3:39.

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7 Ways to Get Discount Luxury Goods for Less | RMRS Style Videos - Duration: 7:22.

7 Tips To Buy Luxury Goods At Discounted Prices [0:00:00]

I love luxury goods, but like you I hate how expensive they are.

In today's video, we're going to hack the system how to get luxury goods at a discounted

price.

[Music] Tip number one.

Never buy on a whim, always plan your purchases.

So, you may see what you want.

I was just at London Heathrow you know the duty free stores?

And I'm going through this watch store and there it is, the TAG Calibre 11.

This is McQueen's, you know, watch that he wore, I mean it's not the original one,

but it's a remake.

Beautiful watch.

I put it on, I put it on a few other times and I'm like, oh, man, look at the price

and I didn't do the currency conversion.

It was in pounds, I'm thinking dollars.

I'm like is that a great deal?

How do I do the conversion here?

And, you know, the woman talking me and she's like, oh, this looks great on you.

You need to grab this.

I came so close to purchasing that watch.

Was it a good deal?

Was it?

No.

You know the point is is you need to plan it.

Sometimes it is a great deal, but make sure that you don't fall into a sale aka trap.

You want to buy when you're ready when it comes to luxury goods.

Tip number two.

Know what luxury is, be able to spot it, and have the courage to forego a name brand if

you could spot it maybe a lesser known brand, but it's exactly what defines luxury.

The best craftsmen within that industry are oftentimes making that product and they're

always using the best materials available.

But, at a certain point they start to add a lot of margin, they want to, you know, make

it so that those -- they're getting as much as they can from it and then there were up-and-coming

companies.

So, maybe with watches, you're all about Rolex.

Well, then, go get a Tudor and all of a sudden you start looking at the history, you realized

that actually they're very similar that they look very similar, the quality build.

I mean it's like all of a sudden you realize if I really want a Rolex, maybe I would actually

be happier with a Tudor and I'd be able to save thousands of dollars.

You go in and you try on a $2,000 sports jacket and you're like, okay, I've touched that

beautiful material, that silk cashmere, the drape, I understand what is quality and then

you can go out and spot it.

So, really quick, let me introduce you to a luxury brand you may not have heard of and

that's Carl Friedrik, the paid sponsor of today's video.

And, guys, I've been talking about them for years.

They went out there and found amazing artisans used the best materials and created this amazing

line of bags.

All right.

So, right here we've got the Palissy weekender bag, absolutely beautiful in chocolate.

But, the first thing I want to look at is the zipper.

This is a Raccagni zipper.

For over thirty years, this company has been perfecting the zipper.

They're a lot more expensive than their competitors.

These are the same zippers used on Tom Ford's bags.

I look at the other hardware details, look at just the overall the build the detail.

I look at the actual strap right here.

They actually went above and beyond those how it rotates.

It all is very nicely polished.

Things like these show me they paid attention to the details.

Next up, let's talk about the leather.

This is an Italian Vachetta leather.

It's untreated, it's very high quality, and has basically a buttery feel.

This right here is some of the highest quality leather you can find for a bag.

Next up, I want to look at the inner construction of the bag.

I want to make sure that inner lining doesn't pull out.

I want to zip it back and forth make sure the zipper doesn't get caught.

When I go in here, I want to make sure, okay, what did they use for hardware details on

the inside.

Did they skimp anything?

This one they actually, again, used the Raccagni zipper, very expensive.

I love the attention to detail.

And let's talk about design, these bags are absolutely beautiful.

Whenever you use these bags, you are going to get compliments.

If you're giving one as a gift, that person is just going to be, wow.

Guys, check out Carl Friedrik.

I'm linking to them down in the description with the best discount code you're going

to find out there.

Use it or lose it, guys.

It's not going to be around forever.

And with that, let's get back into the content.

Next up, let's talk about capsule collections.

So, not all designers do this, but you're going to find that some higher end brands,

they're going to have a few pieces which basically are highlights of their staples.

This is something that's never going to go out of style they can produce in very high

volume and therefore they're able to put it an entry level price.

So, go and look at your luxury brands, see if they have a capsule collection.

Next up, you want to check out bridge lines.

So, bridge lines are going to be basically when you take a high-end designer and they

work with somebody else.

So, you may be able to find a certain suit line, maybe even watches that normally would

be a lot more expensive.

You can find a shoe company.

I've seen Allen Edmonds do this with certain companies, run a limited line, all of a sudden

you're able to get these at a very much lower price because they're trying to get

in and they're testing the market.

Next up, let's talk about private sales.

So, luxury brands they don't want everyone to know that they're putting something on

sale, but like any other company they've got to move product.

So, they're oftentimes going to do a sale, but they're going to keep it within a particular

niche.

So, if you're on their email list, maybe their Facebook page, their Facebook group

if it's a smaller company.

But, you want to find how are they communicating with people and is it something they're

going to have a sale.

If you go into a physical store, you could oftentimes ask an associate are you having

a private sale that I need to know about and believe it or not, sometimes they're like,

yes, we are.

Private sales are out there, ask for them.

Last year's models.

And this is why I love timeless styles because if you're looking for a timeless blazer

or sports jacket or you're looking for a pair of shoes which are going to last you

for five to ten years.

You don't really care if that was last year's design or even two years ago, you're looking

for something that is timeless something that you're going to be able to fit into your

interchangeable wardrobe.

[0:05:17] Purchase second hand consignment shops, thrift

stores, simply ask around.

You'd be surprised how many luxury goods out there are just sitting in people's closets

and if they have the opportunity to offload it for a decent price, they would.

Purchase on the gray market.

Now, the gray market is not the black market.

The gray market oftentimes they are legitimate goods, but maybe they were meant to be sold

in another country.

So, what you're going to find is if you purchase a watch on the gray market, it's

not going to come with a warranty from the original manufacturer, but it will come oftentimes

with a warrant from whoever is selling it.

And, you've got to make the decision am I willing to take that chance to take that

risk, so you got to say do I trust the seller.

Next up, damaged or return goods.

So, those shoes were sent back because they have a little bit of a mark on it.

Guess what?

You don't mind that mark and you can get those shoes at 50% off or maybe just something

that is basically new, but it was opened, so they can't technically sell it as new

anymore, you can get 20% off.

But it is something to look for and oftentimes you can get an amazing deal at a discounted

price.

Next up, let's talk about margin and the room for negotiation.

So, if you go to buy a custom suit, I'm going to say do not negotiate because believe

it or not, there is not much margin in most bespoke or custom suits.

However, in a lot of other industries, there is huge margin.

If you're going to be buying a nice watch, you need to know that there is a huge margin

here and that you can negotiate getting deals of 25% off.

A Rolex made of gold is not uncommon and is something you should look for.

And when there is more markup there's more room for negotiation.

All right, guys, so what did I miss?

What could I have added to make this video better?

I want to hear from you guys down in the comments.

I want to hear your secrets, I want to hear your insights to saving money when you're

buying luxury goods.

And, if you're going to go out there and you're going to buy a nice leather bag,

check out this checklist I've got for you right here exactly what to look for if you're

going to buy a leather weekender or a leather briefcase, anything out there made from leather

and you want to make sure it's of high quality, I've got you covered with this video right

here.

I'm linking to it down in the description.

And, guys, don't forget go check out Carl Friedrik.

I'm linking to them down in the description with the best discount code you're going

to find out there.

And, guys, if you're looking for a bag that you are going to be able to have for the rest

of your life and get compliments on, you need to check out this company, just amazing quality.

Very proud to support them.

Go check them out, guys.

I'm linking to them down in the description.

That's it, gentlemen.

Take care.

I'll see you in the next video.

[0:07:36] End of Audio

For more infomation >> 7 Ways to Get Discount Luxury Goods for Less | RMRS Style Videos - Duration: 7:22.

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KNUCKLEBALL TUTORIAL | Which ball is better for knuckleball ? - Duration: 7:58.

hey guys. And today I will try to explain knuckleball technique

A few time ago I made a tutorial, but there I explained how I shoot in game situations.

And today I will explain how to shoot with the maximum knuckleball effect ( side to side )

And which balls are easier to knuckle, let's go !

There is no huge secrets about knuckleball

For instance a few days ago I trained my friend, how is shit, but managed to knuckle

Yeah, nice one

But if you don't want to wait that video, today I will explain all important steps, that we made there

I prefer to shoot knuckleball with rolling balls, it's a bit easier for me.

The percentage of successful shots are higher when the ball is rolling

But maybe for you easier will be to shoot without rolling, it's optional

The run up is quite small, 3-4 steps

That's because you don't need to much power to have knuckleball effect

I shoot knuckleball with 70-80% from my max power

It's easier to control my foot during the shooting, and the ball even change direction more

The standing foot is on one level with the ball, nothing new here

The leg swing starts normal, but then my hip stops, and only shin is moving with strained ankle

working on continue

For more infomation >> KNUCKLEBALL TUTORIAL | Which ball is better for knuckleball ? - Duration: 7:58.

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Meghan Markle's sister Samantha plans to Sabotage birth of Royal baby with new book exposing 'Lies' - Duration: 10:08.

Meghan Markle

Call Sister Samantha plan

Things to sabotage birthday

The royal baby with new book

Exposing light

Samantha Markle is planning to hijack the birth of her

Her sister's baby with

The tell-all book

But she claims

Will expose Mega

Games lies

Miss Markle

Wants to release her book

Entitled in the shadows have

The Duchess in April or May

To coincide with the birth

The royal baby

She has talked about a memoir

Four months previously

We saying it would be

Be called The Diary of princess

But now she claims to have added even more to the book

And will hold nothing back on what her sister

Is really like

She told the daily

Star in the shadows have the Dutch

Best covers ever

The world does not know truth total truth

I'm holding nothing back

From lullabies

Fertilized

It's all there in my

Bismarck

Who suffers

4 multiples

Sclerosis and uses a wheelchair

Is keeping the exact content

Superbook is he

But she has hinted it will uncover a Family Feud involving

Tyler Jewell

Megan's brother Thomas mark

Jr s

Mr. Dooley opened up about

The trauma Megan's new Royal stat

Has brought the her family and who will new MTV series The Royal worlds

It's been a really tough

The family has been torn apart

Seen these vicious headlines about who I am

That it's been hard

The struggles in the past year have put me

The breaking point

His aunt Samantha will also talk

Further about the

The cyberbullying she has a

Experience

Her sister married

Prince Harry

In her new

Dantri told

The star on top of it

I am dealing with cyberstalking

Cyberbullying

With little Twitter

Controls their kind of nasty sending out banners in

Propaganda

That's disparaging and not

Not true

She said she has

Received death threats

And the FBI has got involved to track down those

Responsible

Daughter latest claims are part of a string of many she has made about her estranged

Sister since she was plunged into the global

Spotlight is the duchess

Sussex

Miss Markle has made several appeals to her younger

Sister trying to get her to reunite with

Her father Thomas Markle

The former lighting director missed

His daughter's wedding to Prince Harry

After undergoing hearts

He is publicly claimed she has since cut him out

And is devastated he may never meet his grandchild

Yesterday

The mail on Sunday

Revealed The Duchess

Just has made her mark on the Royal Family

The divorced former actress

Reportedly shocked the queen

By wearing such a white dress to

To her wedding

She is also up

But 5 a.m. most days

Flooding Royal AIDS

It's about how she can do more in her role

Thank you for watching the video

What do you think about this

Please share your thoughts in the comment

Section below

And do not

Forget like and share the video

With everyone

If you feel this video is useful

Atlanta Market

What to know about Meghan markle's half sister

When Prince Harry and Meghan Markle marry at Windsor Palace in May there's at least one family member

Number who might not be invited

Megan's estranged half-sister

Samantha

Samantha Markle

Who also known by the name Samantha Grant

Is 17 years Megan senior

She and her brother are muggins half-siblings

To date

She's been the most vocal member of the Markle family

Speaking out about her half-sister

Are in the process of move that may have cost her a relationship

With her soon-to-be Royal relative

The fifty-two-year-old appears on TLC's new special

When Harry Met Meghan

A Royal Engagement which airs on Tuesday night but 9 8 central

And on that special

She tries to clear the air about Megan's background

And what you really meant when she called her upcoming book The Diary of Princess pushy's sister

She and Megan have the same father

Samantha and Megan's father Thomas

Worked in Lighting on television shows like Married With Children

Samantha and her brother

Thomas Jr

Are the children of Markle seniors first marriage to Roslyn

His second wife was markle's Mother

Doria Ragland Thomas and Doria divorced in 1988

When Megan was 6 years old

According to Samantha

Thomas Markle children all got along well

It was like a gift when Megan was born

Because she was so full of life and personality that we became settled as a family but we became much more

More lively

Samantha said in the TLC special

We were sort of the little family not as large of The Brady Bunch

But in our minds it was a unique

Very beautiful Multicultural and interracial family beginning

She had back a tabloid reports of a rags-to-riches story

Tabloids on both sides of the Atlantic ever reported that Megan grew up in a rough part of Southern California

Samantha said on the TLC special that those stories are inaccurate

The tabloids wanted to create the schedule princess story

If you will

Which is so far from reality

You know

The African-American Rags to Riches Cinderella

Samantha Saint

We were raised in a very beautiful upper-middle-class home in the San Fernando Valley of Southern California

Nowhere near Game Land as the tabloids try to illustrate

Samantha has also spoken up about accounts that paint Megan's family life

As less than stable or supportive

When the media suggested that

Her parents were anything less than great

And that she was this Cinderella that just throws up out of rubbish or out of nowhere no

That is rubbish

She told Entertainment Tonight

Her parents were incredible

Samantha insist she didn't smear her sister in the Press

Tabloid reports claim that Samantha called Mega narcissistic

And a social climber

But Samantha insist

In the TLC documentary she never said those things

I was quoted as calling her princess pushy

I never said those words

Samantha said in the TLC special

The truth is I never said any such

Sting and there's no tape no recording

Nothing in the world that anybody could present to suggest that it was

Of course it's worth noting that Samantha told Good Morning Britain that

She is writing a memoir called The Diary of Princess pushy sister

Not title

She says

Is meant to be tongue-in-cheek

The title is a mockery of the media

She told the Daily Mail

It wasn't me who called me pushy

It was the Tabloid newspapers

She is not pushy

The book isn't going to be negative it's a war

Witty

Honoring book unfortunately

The negative sing song has gone round the world

Free book won't be a juicy tell-all

Despite the title

Samantha says her book will be nuanced

And not just about Megan

In that same Good Morning Britain interview

She said her book will be a critical look at race in America

The title is true

What is not true is this unbelievable swell that's been created that it's some sort of slamming tell-all

It's only a tell-all in that I write about beautiful nuances of our lives our family home

Samantha told hosts Richard medley and ranveer Singh

More importantly

It has to do with the interracial evolution of this country through the lens of my life and my family

Since the Civil Rights Act until present

And how that intersects with the recent events with my sister

She said tabloid reports have strained her relationship with Megan

In the TLC special

Samantha tearfully explains that the Tabloid reports have created a divide between the sisters

It's been such a whirlwind with us and I'm sad she believes some of the other interviews I did where were

I never said were taken out of context

So it's been a bit since we've spoken

Samantha told US Weekly

The two haven't been closed for some time now

Samantha told the Daily Mail that they haven't seen each other

Since 2008

When Samantha graduated from college and Megan flew into celebrate

That same year

The man that was diagnosed with multiple sclerosis and she now uses a wheelchair

She shared stories about Megan's engagement like the rest of us

It was really exciting for me

I am so happy for her

Samantha told US Weekly

It was kind of funny

It was like my boyfriend showed it to me and I was on the phone with my father

And I got to let him know too

We didn't know it was going to come out his soon

So it was nice to wake up to

She is not sure if she'll get an invite to the royal wedding

Samantha said on the TLC special she doesn't know if she'll get an invitation to Megan and Harry

Harry's wedding in May

I can't imagine how anyone would anticipate a normal

Traditional royal wedding

I mean they probably be watching across the lawn for the Marco's to approach

Good God

They're coming

Close the curtains

I'd

She choked on the TLC special

It's just so silly

We're so normal

And yes

I would love to go

But we have no idea what's going to happen

For more infomation >> Meghan Markle's sister Samantha plans to Sabotage birth of Royal baby with new book exposing 'Lies' - Duration: 10:08.

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(New) How To Build A Perfect Chest At Home - Duration: 5:26.

- Yo, what's up?

Jordan here.

Today, I want to show you a few exercises you can do

that trains your chest, at home.

So first of all, let's talk about the middle chest, first.

The middle chest is probably

one of the easiest parts to train.

The exercise is very direct.

Push up itself hits the middle chest.

In order to maximize your chest,

give least pressure for the triceps,

is try to go a little bit wider.

Wide means your grip should be slightly wider

than your shoulder width.

In position.

Lower down your body.

And push.

Okay, very straight forward.

This exercise hit the majority of the middle chest and

a little bit of upper chest.

So the next exercise that can hit your middle chest too,

is not push up.

This is an isolation work out.

So I'll be using a water bottle.

Right. This is a very big gallon,

so for those of you can start with 1.5 liter bottle water.

This is Chest Flys.

So get into a floor.

And the reason why I want to use one bottle

is because I can nicely set up and

be more focused on the movement.

This is how it look like

Make sure it's balanced,

you don't want the bottle to fall on you.

Alright.

Make sure you are stable.

Squeeze (your chest)

Alright.

Here, as you can see my chest is shortening.

They are contracting and they are working.

Okay, so.

I would strongly recommend you to do both exercises

back to back, alright.

Start with a push-up first.

Do about 10 to 20 repetitions

depending on your fitness level.

Right after you finish a push up

move on straight to a Chest Flys.

Now,

here's the tricky one

the upper chest.

Upper chest is the clavicular head that is very stubborn

to grow.

Most body builders, most fitness enthusiasts,

also struggle to build these muscles.

So this is the easiest way to get started.

Just place the chair.

Here, setting up.

You lower yourself down.

And up.

As you can see the moment I push this,

in this angle,

I am actually pushing at this angle.

Right.

This works the upper chest area.

Right.

Now.

Another way of training your upper chest

you can use the same bench

by just by changing the grip a little bit.

You can also target the clavicular head.

Setting up.

This is what I call the Reverse Grip Push Up.

Lower yourself down.

By doing this

my upper chest is actually firing.

Okay.

This also trains the inner part.

Right, so for this grip,

well I don't recommend you to go wide grip aim.

Because it's going to give a lot of stress for

your shoulder.

Right.

Shoulder width is great.

And one more thing

whenever you do any exercises

involving chair,

make sure that your chair is solid, right.

You don't want them to move backward

when you do a push up, right.

This will get you into serious trouble.

Find a wall to lean against or in but

here in this situation is fine because

carpet there's friction, so it doesn't go away.

I still have one more exercise that can

really train your upper chest.

And also the inner chest as well.

This is an isolation exercise.

This is what I call the front raise but,

in the underhand version.

So when doing this exercise make sure you're from here.

In this position.

And raise inward.

Adduction, alright?

Ad-duct.

This is how your upper chest and your inner chest

are working.

Right. As you can see my upper chest

is being stretched and being contract

by doing this.

So how to sequence this?

I would say do a decline push up, or,

a reverse grip push up on a bench.

Choose either one,

do for 15 to 20 repetitions.

And then straight away moving on

do an isolation work.

Do this

for another 10 reps.

Same goes to the middle chest area.

Okay?

That's pretty much for all these exercises.

It's all about the combination,

the variety,

and the consistency of training at home.

Obviously it would be great if you can

training at the gym because there are more

equipments, but today its basically just to share with

you what you can actually do at home to get a nice chest.

For more infomation >> (New) How To Build A Perfect Chest At Home - Duration: 5:26.

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2011-2017 Mustang GT JLT V3.0 Passenger Side Black Oil Separator Review & Install - Duration: 4:34.

2011-2017 Mustang GT JLT V3.0 Passenger Side Black Oil Separator Review & InstallRENAME

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Justin: So unless you've been living under a rock recently, you probably already know

or are at least aware of some of the benefits of running an oil separator on your stock

or your modified Mustang.

Now, the particular option that we are talking about here today is from JLT, of course, and

it is their 3.0 version for the '11 and newer 5-liter owners running a positive displacement

blower such as the Roush, the VMP, or your Ford Performance options.

Now, the JLT separator will combine that anodized aluminum construction with the 3-ounce capacity,

hence the 3.0, and is going to cost you just north of 120 bucks.

The install is gonna be plug-and-play, making it very easy, so one out of three wrenches

on the old difficulty meter and a little bit more detail on that later in the video.

So again, there are a few benefits of running a catch can or oil separator on your stock

or modified ride.

But the biggest benefit, I would say, is to capture all the oily vapors or blowby that

typically gets rerouted back into the intake through your PCV system or, in this case,

your supercharger, which can lead to a few issues.

Now, this oil or these vapors can get gummed up onto the rotors of your blower, along with

even possibly lowering your octane level or rating in some very extreme and rare situations.

Now, this is even magnified a little bit more on forced induction applications, as cylinder

pressures are a little bit more increased over a naturally aspirated setup.

So to help eliminate this, JLT started incorporating their oil separator or catch can to grab most

of the oily mess into this easy-to-install and very easy-to-empty container.

Now, this is gonna happen using a combination of stainless steel mesh and aluminum honeycomb

here in the filter itself to allow those vapors to pass through, gather all that oily junk,

collect it into the canister, while at the same time still allowing all that clean air

to pass through into the PCV system.

Now, JLT claims that emptying this thing every 5,000 to 7,000 miles is recommended.

But if it were me, I would probably check it a little bit more frequently, especially

on the supercharged application.

Again, your construction is certainly top-notch here from JLT, including the billet aluminum

construction or build.

It's all finished in an anodized black coating, as you can see.

Three ounces is the capacity, and it will utilize the factory-style hoses or connections,

making for a very easy installation.

Now, speaking of which, here is a brief, little walkthrough, and again this thing is brief

because you're looking at a soft one out of three wrenches on the old difficulty meter.

And again, here is our detailed walkthrough.

Tony: Tools used for this installation are as follows - a utility knife, a flat-head

screwdriver, and a pair of pliers.

Now, to get started with this installation, we're gonna go ahead and remove our factory

air oil tube, this is also known as your "dirty air" tube, from the side of our blower and

our valve cover.

Then, we're gonna disconnect the clamp back here and take this part of the unit off, and

we're gonna replace it with our new JLT piece.

We're gonna begin by unclipping it from the blower.

And with our flat-head screwdriver, I'm just gonna flick it and pull it out there, and

disconnect our clamp, but leave the clamp on because we're gonna need that.

All right.

Now, the end of our tube is actually stuck inside the rubber tube.

So what I'm gonna do is go ahead, and I'm gonna squeeze the tube until I find the end

of this rubber nipple, and I'm just gonna trim the hose there.

It's okay, we got plenty of extra.

Now, to install our new JLT, just slide the end of the fitting over.

Put your clamp back on.

Slide this end on the valve cover and this side on your blower.

And that's all it takes.

For more parts and videos like these, make sure you visit us at americanmuscle.com.

For more infomation >> 2011-2017 Mustang GT JLT V3.0 Passenger Side Black Oil Separator Review & Install - Duration: 4:34.

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