Youtube daily Dec 18 2018

Title: Spanish guitar & Spanish guitar music music: 1 Hour Chillout Music Guitar Instrumental Playlist

For more infomation >> Spanish guitar & Spanish guitar music music: 1 Hour Chillout Music Guitar Instrumental Playlist - Duration: 1:02:42.

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Hailee Steinfeld Talks 'Bumblebee' Movie: 'It's A Very Human Story' | TODAY - Duration: 5:00.

For more infomation >> Hailee Steinfeld Talks 'Bumblebee' Movie: 'It's A Very Human Story' | TODAY - Duration: 5:00.

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«Jeder Rappen zählt» 2018: Der emotionalste Besuch in der Glasbox - Duration: 1:56.

For more infomation >> «Jeder Rappen zählt» 2018: Der emotionalste Besuch in der Glasbox - Duration: 1:56.

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DIY Reindeer With Xmas Decoration Balls - Narrated - Duration: 5:50.

Hello my friends and welcome to another Tuesday of tutorial!

I am Leonardo Pereznieto and today we will do something different

in very fun: the head of a reindeer with Christmas spheres.

First let's do a sketch on a grid

this will be the center, and here let's draw the first sphere.

We are beginning from the bottom

this lower row will have three spheres

the row just above it will have four and as you see they are off-set

I mean that they are not in the same column, they are in between.

On the next we draw again three and the next one back to four

this is the snout of a reindeer

then we will increase to five always off-set so as just have a sphere

further…

and then we do six...

and here first I will do seven,

and then one more each side

which will be the lower part of the ears

above that we do four

then an empty space and three more on each side which is the top of the head

and the rest of the ears.

Very good! on the next one up we leave the one of the center empty

and then we do two and two

this for the beginning of the horns

then one centered above each of those

and then three and three

then one and three again

then three and one.

In case this is getting too confusing and in case you need the drawing

I am uploading the photo of it for you to the Fine Art-Tips Facebook page

the link is below the video.

I was missing one circle which I just drew

but I don't fully liked it, so since I cannot erase this pen

I will use a white pencil

and go over it, just to see how it would look without it

and I´m wondering about this other one,

it seems a little bit thick up there. I think I will take also this

right here.

Take it off.

Ok, yes that's better I think

I'm sketching as we go as you see.

Now let's more or less center it on this wooden board which

I previously painted white and we will mark the grid to make sure

we go straight and we know where to place them.

For our design we used a total of 23 lines wide and 29 lines tall.

Since I am amplifying it, I´m making the distance between

every line 3 cms. which is about one inch, you can change this

depending on what size you want it to be.

And actually since vertically we only used every 2 lines, to save time

I just drew them every 6 cms.

The vertical lines we need use them every three.

Good!

We are ready to nail it!

[Laughter].

Ok, this is the center of the bottom row.

We place a nail right here

and then remember there is one to the right and one to the left.

Oops I made a mistake!

As we mentioned we will use only every two lines

good, because the other lines are for the next row

which is off-set, like so… and we have four there,

remember?

I am just copying our diagram.

Please be very careful into not harmer your artistic fingers.

Here goes the upper part of the head and the ears

very good! and the top of it.

Using this same process, this technique, you can design other

animals or figures.

Very good!

We are done with the hard work! [laughter]

Now we have the easy part.

Just need to hang the spheres.

I recommend starting from the bottom and moving up, because otherwise

the spheres themselves would be on the way when trying to

hang the other ones.

The list of materials that I am using for this project is in the description

below the video.

And as I have done recently,

for the first hour after it gets published I will be live answering all your comments

and questions

as a reminder my tutorials always gets published on Tuesdays at 10 a.m. U.S. Central Time.

Earlier I told you to center the nails on the board

now I realized that this was an error as the spheres hang a few centimeters

below the nails, then it got uncentered. We should have nail them a little bit higher

to compensate.

The last two spheres…

and it´s ready!

If you enjoyed it please give it a LIKE! share it to your friends

and subscribe to Fine Art-Tips.

And I will see you on Tuesday ;)

Subtitled by Grethel Trejo

For more infomation >> DIY Reindeer With Xmas Decoration Balls - Narrated - Duration: 5:50.

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Visa Sets Its Sights on $33 Trillion Worth of Checking - Duration: 4:25.

Chris Hill: Visa announced a partnership to help companies eliminate $33 trillion in paper checks.

It is one more move in the war on cash.

I remind our dozens of listeners, it was an executive at Visa who used that phrase.

Jason Moser: We piggybacked on it.

Hill: We piggybacked on it, but that was not hyperbole on our part.

We were quoting directly from a Visa executive who said, "We are at war with cash."

You like this move? Moser: I do.

This really shines a light, I think, on how valuable that Visa Toll Booth, and MasterCard as well.

They both do the same thing.

But when you want to do something in finance that can affect the largest population and

make an experience better, faster, you're going to be relying on Visa and MasterCard.

You're going to have to make sure you bring them into that equation at some point or another.

It's interesting to understand a little bit why this matters.

A lot of times, the automatic clearing house process is a way for companies to be able

to push these payments to individuals. That has existed for a very long time.

I think the fintech industry is looking at the ACH process as a little bit antiquated.

And primarily, that's because of the time involved in moving funds.

It can sometimes take a matter of a couple of days.

While an institution may make those funds available to you immediately, they could still

be on the hook if there's a chargeback.

So, ultimately, what this does is, instead of utilizing the automatic clearing house

network, this essentially jumps on those Visa and MasterCard rails. In this case, it's going to be Visa.

I suspect we'll see MasterCard participating in this in some way, shape or form sooner or later.

When you look at the actual numbers involved of how big of a deal this could be, there's

an association called the National Automated Clearing House association, NACHA.

Kind of makes me think of nachos. I don't know why that is.

Anyway, NACHA reports that the average ACH transaction costs around $0.11 per transaction.

There are over 25 billion ACH payments made every year.

There were more than 25 billion made in 2016, and that number is up from there.

So, you can see the opportunity that exists there.

I think this is one way for companies like Visa and MasterCard to get in there and really

focus on the one big differentiator here, and that is the time involved in getting the

money from point A to point B. That's the big problem this solves for a lot of people.

You get there faster, you reduce the risk of chargebacks, because you're riding right on those car rails.

It's the first step, I think, in what we'll see as the continued evolution in fintech

and the companies that are participating.

Hill: What about a company like Paychex, which is in the business of paychecks, and HR solutions?

If you're seeing this news, that's going to cause an upset stomach.

Moser: I would think.

I think employers who utilize Paychex or other forms of payment software are going to look

at this and see if there's another way that they might be able to pay their employees

in a timelier fashion and even cheaper than they're doing so now.

We've gotten to the point where most people -- I think most people.

There are still some people out there that physically want to see that check.

I know personally, I don't want to see it. I want you to just get that money straight to my account.

I want another check like I want another hole in the head.

So, I think that for companies looking at what options exist out there, and you're seeing

companies like Square and PayPal really participating in this, as well, yeah, if you're Paychex

or a company like that, you've got to be looking at this and thinking, "Oh, man, what are we

going to do to keep up here?" Because this is certainly something that could disrupt their business.

For more infomation >> Visa Sets Its Sights on $33 Trillion Worth of Checking - Duration: 4:25.

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Esports Training… the Festive Way! - Duration: 0:18.

For more infomation >> Esports Training… the Festive Way! - Duration: 0:18.

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Short Ride (by gametornado) - Trailer Gameplay (Android, iOS) HQ - Duration: 13:10.

Short Ride (by gametornado) - Trailer Gameplay (Android, iOS) HQ

For more infomation >> Short Ride (by gametornado) - Trailer Gameplay (Android, iOS) HQ - Duration: 13:10.

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СОВРЕМЕННЫЙ ПЕРЕШИВ НОРКОВОЙ ШУБЫ. Как красиво переделать шубу в удобную меховую куртку для автоледи - Duration: 20:50.

For more infomation >> СОВРЕМЕННЫЙ ПЕРЕШИВ НОРКОВОЙ ШУБЫ. Как красиво переделать шубу в удобную меховую куртку для автоледи - Duration: 20:50.

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Fun Cooking Games Best 🍟🍔 Game For Kids To Play 😍 Cafe: Cooking Tale‏ - Duration: 10:57.

Fun Cooking Games Best

For more infomation >> Fun Cooking Games Best 🍟🍔 Game For Kids To Play 😍 Cafe: Cooking Tale‏ - Duration: 10:57.

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Should the U.S. Postal Service Raise its Rates? - Duration: 8:58.

Nick Sciple: Let's talk about another wild card that's getting thrown in.

Again, from the Executive branch, there's currently a Treasury-led task force that is

proposing the U.S. Postal Service should charge more for their package deliveries.

The task force has reported that the Postal Service does not price its package deliveries

in a way that focuses on profits, and therefore, the Postal Service should look at increasing

their rates to more of a market-based rate. What's your instant reaction to this, Dan?

Dan Kline: Doesn't that tell you everything that's wrong with government-run agencies?

Like, can you imagine if I said, "Hey, Nick, I'm starting a business.

It's a butcher shop. I'm not going to price the meat based on the cost of the meat.

On Tuesday, veal chops are free." [laughs] It just makes no sense!

I know there are laws, it's not easy for the Post Office to increase prices.

But, very clearly, any sensible person would say that whether it's Amazon or whoever it is,

should be paying at least the cost of the service. Now, obviously, there are some deals.

The Amazon delivery on Sunday through the USPS is profitable.

They have negotiated a deal where, because they are serving one customer in a very specific way,

it makes money. They need to figure out how to price the rest of their services.

And that's going to change some things.

If you raise the cost of shipping, it might be beneficial to go to a store.

You'll see more of what Walmart does, where they will say, "We will sell this to you and

ship it to you for this price. But if you come get it, it's that price."

That's not something Amazon can do easily.

But, Amazon has the volume to negotiate things like their Sunday deal, or to say, "Alright,

you're going to raise prices? We're going to build our own shipping network."

Sciple: Right. To give a little context on Amazon, according to Morgan Stanley, Amazon relies on the

Postal Service to deliver about 45% of its packages.

That's a meaningful segment of their business.

I know part of this Postal Service price discussion has been in relation to President Trump's

attitudes towards Amazon. It's going to affect them.

Another part of the industry that we might think is going to be affected is FedEx and UPS,

in that it might actually be a little bit of a negative for them.

Oftentimes, FedEx and UPS can use the Postal Service for their last-mile delivery.

As those prices increase, that's of course going to hurt them, because it's going to

increase the cost of their shipping.

Kline: Also, though, higher USPS prices allows UPS and FedEx to charge more.

Sciple: Oh, yeah. The analogy that I would have is, think about the Federal funds rate.

We've talked about interest rates being increased over time.

That rate for banks is the baseline for interest rates.

Their rates are always set relative to that number.

Well, what happens in logistics as well is, UPS and FedEx and the other shippers' rates

are set relative to the Postal Service.

If you look at the Postal Service increasing their rates, it's just like the Fed increasing rates.

All these shippers down the line get to increase their rates, as well, because relative to

this baseline Postal Service rate, the spread remains the same.

Kline: Right. There's no magic to it.

It's not like FedEx has a special better way to deliver packages.

I mean, obviously, there's a heavy level of training at FedEx and UPS, and they're very efficient.

But they haven't figured out teleportation or drone delivery or any of the things that

would be a game-changer. So, it's a fixed cost.

Sciple: Right. Going forward on these prices, it's unclear what form these price increases for the Postal

Service are going to take.

We do know at this time that there is going to be an increase on the USPS' Parcel Select

service in the range between 9.3% and 12.3%, beginning at the beginning of 2019.

For context for listeners, this service allows large shippers -- think your Walmarts and

Targets of the world -- to sort their packages themselves and then deposit them directly

to the USPS for their final delivery.

We know for sure that large package shippers will see a 9-12% increase in their rates for this service.

What is your reaction to that? Kline: Do you buy from Amazon pretty regularly?

Sciple: Yeah. As a U.S. citizen, I'm probably in the vast majority here as buying Amazon probably once a week.

Kline: I order from Amazon probably every day.

And if Amazon came to me and said, "I'm going to increase the price of Prime by 12%," and

everybody else I order from that sometimes I have to pay shipping said,

"We're going to pass this on.

We're going to raise your prices 15%," I wouldn't bat an eye.

Maybe, occasionally, I'd pick up something in a store, just to not have to order it, to save time.

But it wouldn't factor in. Unless Amazon said, "Prime's $129.

Now, it's $650," I don't think this impacts anyone.

This is one of those areas, like gas prices, where consumers just expect it's going to

be a little flexible. I don't know, do you know what it costs to FedEx a box?

If you have to FedEx something, you go to the FedEx and do it, and it costs what it costs.

Sciple: You're right.

What could be the takeaway here is, given that this is a marginal increase, and there

is a lot of consumer surplus to the Amazon Prime offering to begin with, this could be

something that's just passed on to consumers. But it is something to think about.

These businesses are going to have to adapt, whether it's passing those prices on to consumers

or making changes to their logistics infrastructure, to handle these costs going forward.

Kline: We talked about this a little bit before, this is going to be a big benefit

to brick and mortar retail chains that have very good supply-side logistics.

You're going to be able to know on every item -- Walmart might be able to say, "I'll ship

this to you if you also buy this."

Amazon has the add-on items that are free shipping, but only with another order.

I think you're going to see a much more sophisticated level.

Or, Walmart saying, "I will give you something great.

I'll give you a $5 gift card to come pick this up in the store, because it makes

no sense to ship it to you because you're a mile away and I have to send it to a Post Office

and it's going to be on a plane before it gets to you."

So, this might be a little bit of a blow to Amazon, or might force Amazon to make some

more brick and mortar partnerships.

Sciple: Yeah.

What we know for sure is that demand for e-commerce and goods purchased online is certain to increase

over the coming years.

And, as a result of that, the ability to move things from one place to another,

particularly small, individual shipments, will become even more important each year.

The companies that are able to navigate that dynamic and adapt as things change, whether

it's with these tariffs or with the USPS, those are the companies that are going to

really succeed going forward.

Moving things from place to place is more important today than it maybe has ever been.

What are your thoughts on that?

Kline: To close, there's one more prong of this that we've talked about before.

That is, everybody is building out some sort of same-day shipping capacity.

My son texted me when I was with you at a football game yesterday.

"How do you order from Chipotle?"

My wife was baking, and he wanted Chipotle, so they couldn't go out.

And I said, "It's Postmates." And my wife said, "What the hell is that?"

She uses Grubhub, we have Instacart.

So, I had to send her a picture of the app and be like, "This is how you do it."

Then, I looked at my phone, and I have like 15 separate delivery apps, and like three

restaurant chains we deliver from that you order through them, but maybe it shows up

and it's Uber Eats, or maybe it's Postmates, or maybe it's who the heck knows.

As Target and Walmart figure that out, they will take some stress off their two-day shipping

by saying "No, it makes sense to have toothpaste and toilet paper and cookies be in our same-day

delivery basket and to incentivize people there," because that's always going to be

a smaller pool of items. There's less choice, they'll push you towards it.

There are going to be huge shake outs there.

There are not going to be 15 separate delivery services in West Palm Beach in two years.

Maybe even Walmart and Target won't both make it. But that's going to change this whole UPS, FedEx.

Those are all guys-in-a-car kind of delivery services.

You will see this gig economy service take some stress off.

Sciple: Yeah. It's going to be something that's remarkable to follow over the coming years as the face

of retail continues to transition and consumer preferences continue to be, "I want to stay

at home and you bring the stuff to me, you businesses figure out how to make that happen."

For more infomation >> Should the U.S. Postal Service Raise its Rates? - Duration: 8:58.

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Success Case - Groupe Fournier - Short Version (SoCoo'C, Mobalpa, Perene) - Duration: 1:44.

For more infomation >> Success Case - Groupe Fournier - Short Version (SoCoo'C, Mobalpa, Perene) - Duration: 1:44.

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Харвест - Поправляйся (Lyric Video) - Duration: 4:05.

For more infomation >> Харвест - Поправляйся (Lyric Video) - Duration: 4:05.

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Декоративна штукатурка "Марморіно" Ircom Decor – майстер-клас з нанесення - Duration: 1:32.

For more infomation >> Декоративна штукатурка "Марморіно" Ircom Decor – майстер-клас з нанесення - Duration: 1:32.

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Smart TV LED 40" Panasonic TC-40FS600B - Duration: 1:06.

For more infomation >> Smart TV LED 40" Panasonic TC-40FS600B - Duration: 1:06.

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Aubameyang speaks out on the ban handed to Tottenham fan who threw banana skin - Duration: 2:42.

 Pierre-Emerick Aubameyang has voiced his anger after the culprit who racially abused him at the Emirates Stadium was charged

 The Tottenham fan threw a banana skin at the forward as he celebrated his goal in the North London derby earlier this month - a game which Arsenal went on to win 4-2

 It was heard in court that the culprit, Averof Panteli, 57, threw the piece of fruit in a 'targeted gesture' which had 'a racial element'

 Pantelli admitted hurling the item onto the turf in a "spur of the moment" action but denied there was any racist intent, Highbury Corner Magistrates' Court heard on Tuesday

 He was handed a four-year football banning order after pleading guilty to throwing a missile, as well as being fined £500, which includes a £100 uplift for the racial element, and told to pay £135 in costs

 Upon hearing of the issued ban, Aubameyang took to Instagram to express his dismay at the lenient terms of Pantelli's punishment

 He shared a screengrab of the headline on his Instagram story , before simply posting: "4 years and we start again

"  His post can be seen below.  The issue of racism in football has been thrust back into the limelight in recent weeks following a number of high profile incidents in the UK

 As well as the case with Aubameyang, a group of four Chelsea fans are under investigation for an alleged racial incident involving Man City forward Raheem Sterling

 Chelsea stated: "Chelsea Football Club finds all forms of discriminatory behaviour abhorrent," the statement continued, adding that the club "will also fully support any criminal prosecutions

"  Keep up to date with the latest news, features and exclusives from football.london via the free football

london app for iPhone and Android .  Available to download from the App Store and Google Play