Youtube daily Jun 28 2018

Surveys show that eight out of ten Millennials that don't have life insurance opt out of

buying because it's too complicated.

So I enlisted some help for a basic explainer.

I think people assume it's way more complex than it is.

Matthew Wolf from Haven Life is breaking it down, starting with question one...

...WHO NEEDS LIFE INSURANCE, ANYWAY?

Life insurance isn't something that everybody needs.

Just ask yourself this simple question.

If you were to pass away, would there be someone who would be impacted financially?

If the answer is yes, start shopping.

The first fork in the road is...

...TERM VS.

PERMANENT.

Term life insurance is exactly what the name says...

Term insurance is purely about covering yourself in the event that you were to die.

Within a set term.

It's a basic form of protection that covers you for a period of time -- 20 years, 30 years.

When that term is up, you stop paying, the benefits go away, and that's that.

If, in addition to covering your loved ones, you also want to build equity, check out permanent

life insurance.

Permanent insurance is what you would use if you wanted to accumulate value of some

kind.

Sounds cool, except term insurance is usually way cheaper.

Permanent insurance can be five to twenty times more expensive than that.

Okay, less expensive is good.

But free is even better.

So what about that free...

...EMPLOYER-PROVIDED INSURANCE I get just for checking a box?

A lot of companies will provide some free form of insurance, and that tends to be something

like one times your salary.

But that tends to not be enough.

I mean, if you were to pass away that's really only providing enough income for your family

to make it another year.

How about checking that other box for more, and having the premium deducted from my paycheck?

Sometimes you have the option to buy additional coverage through work, but // often those

policies are more expensive.

If you're healthy, there's a good chance you'll find a better deal, so fire up those Interwebs.

But make sure those online insurance sites are

...BACKED BY BRICK & MORTAR There's a lot of online purveyors out there,

but when you're looking around it's definitely important to look at who is backing that company,

what are you really buying your product from?

Thirty years is a long time, so make sure that policy you're buying online is backed

by a legacy company that has stood the test of time.

Knowing the basics of life insurance is What's the Deal.

For more infomation >> Life Insurance 101: 4 Easy & Basic Things to Learn - Duration: 2:21.

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Indoor Surfing: 3 Things to Know About This Workout Trend - Duration: 2:02.

SUMMER IS OFFICIALLY HERE!

SO LET'S HIT THE BEACH AND DO SOME SURFING - OR YOU COULD JUST HIT UP THIS UNIQUE INDOOR

WORKOUT CLASS!

KG: SURF'S UP, DUDE!

WE WENT TO CITY SURF FITNESS IN PHOENIX, ARIZONA TO LEARN MORE ABOUT THIS GNARLY WAY TO EXERCISE.

STARTING WITH - IT'S NOT JUST FOR SURFERS.

KG: SAND IS NOT MY FRIEND WHEN IT COMES TO MY HAIR, AND I DON'T KNOW HOW TO SWIM!

SO THIS IS THE PERFECT OPPORTUNITY TO SURF FOR PROBABLY THE FIRST TIME IN MY LIFE.

CLAIRE: YOU DON'T NEED TO HAVE ANY EXPERIENCE AT ALL.

SO FOR ANYONE OF ANY SKILL LEVEL LOOKING FOR A NEW WAY TO WORKOUT - TEST THE WATERS!

CLAIRE: THEY COME OUT FEELING REFRESHED, ENERGIZED, THEY GET THOSE ENDORPHINS GOING, AND THEY'RE

JUST EXCITED TO TRY SOMETHING ELSE BESIDES WORKING OUT AT THE GYM WHICH SOME PEOPLE SAY

ARE BORING.

NEXT - IT'S FOR MORE THAN STRENGTHENING YOUR LAND LEGS - YOU'LL GET A FULL BODY WORKOUT.

CLAIRE: YOU'RE CONSTANTLY USING YOUR CORE, SO IF YOU IMAGINE MOST FUNCTIONAL MOVEMENTS

YOU WOULD DO AT THE GYM, ANYTHING WITH DUMBELLS, KETTLE BELLS, RESISTANCE BANDS, JUST ADDING

THE ELEMENT OF AN UNSTABLE SURFACE.

AND YOU CAN COMBINE THAT TRADITIONAL WORKOUT GEAR WITH THE SURFBOARD TOO.

CLAIRE: WE HAVE LOOPS ON THE BOARDS.

CLAIRE: AND WHEN YOU LOOP THEM THROUGH, YOU CAN DO BICEP CURLS, SHOULDER PRESSES, ANY

FUNCTIONAL MOVEMENT WITH A RESISTANCE BAND.

THE SURFBOARD IS THERE TO TEACH YOU TO BALANCE AND TO FORCE YOU TO USE MUSCLES YOU DIDN'T

EVEN KNOW YOU HAD.

CLAIRE: YOU'RE GONNA GET LEAN REAL QUICK!

KG: THAT'S WHY THEY LOOK SO HOT IN THOSE SUITS.

CLAIRE: SO HOT! AND FINALLY - THERE ARE OCEANS OF BENEFITS.

CLAIRE: YOU'RE BURNING CALORIES DURING YOUR WORKOUT MORE, AND THEN AFTER YOUR WORKOUT

YOUR MUSCLES ARE RECOOPERATING AND USING THEMSELVES MORE POST WORKOUT, SO YOU ACTUALLY BURN MORE

CALORIES THROUGHOUT THE DAY THAN A TRADITIONAL WEIGHTLIFTING AND CARDIO EXERCISE.

KG: AND IN ADDITION TO THE WORKOUT, YOU'RE LAUGHING, YOU'RE GIGGLING, YOU'RE SMILING,

AND YOU'RE SLIGHTLY EMBARRASSED.

BRINGING THE TIDE INSIDE...

WHO FEELS LIKE THEY'RE GOING TO CATCH A BIG WAVE?

...ON THE FIT LIST.

For more infomation >> Indoor Surfing: 3 Things to Know About This Workout Trend - Duration: 2:02.

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HP E3 Remake in future ankd changes!!!!!!!!!!! - Duration: 0:26.

downlad for mod or map i well post today or even soon remake by koops editor download in moddb use ur account

changes texture of door like e3 and change jellybean e3 glow and wingardium leviosa levitation e3 and spell book and house points and characters E3 and ghost and bronzechest

texture is bad portrait and mover isnt good i wellll make and video E3 ign i well post here soon

For more infomation >> HP E3 Remake in future ankd changes!!!!!!!!!!! - Duration: 0:26.

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FDA Approves Drug Derived From Cannabis Oil: Here Comes Big Pharma - Duration: 4:56.

The FDA has announced it has approved a brand new drug derived from marijuana.

Epidiolex is used to treat severe seizures and epilepsy.

The drug contains CBD, or cannabidiol, which is derived from cannabis.

CBD, for short, has the same benefits as THC, the main active chemical in marijuana, but

does not produce psychoactive effects when ingested or consumed.

Now, this is the first drug approved by the FDA derived from marijuana, and may signal

a change in drug scheduling from the DEA.

For more on this, we're turning now to Mike Papantonio.

Of course, he's the host of America's Lawyer.

Pap, great to see you.

First, how big is this for the FDA to approve a cannabis-based drug?

Well, the good news is the FDA's decision to approve this treatment shows that they're

no longer able to deny the science that shows us that cannabis oil treatments are incredibly

effective in certain kinds of conditions.

For so long that we didn't know, because the DEA wouldn't even allow people to test drugs

like this.

The science and the trials that have been done showing that these marijuana derived

oil type medications can treat seizures, they've been piling up for years.

As a matter of fact, full disclosure, I own part of Charlotte's Web, which is one of the

first cannabis oils that was actually used to treat epilepsy.

The name of the bill that was passed in Florida was called the Charlotte's Web bill, which

gave us the right to be able to sell this type of oil.

This decision's going to allow people to get prescriptions for cannabis oils.

It will now be covered under their insurance plans, which is a huge step for these patients

that have been having to pay out of their pocket for these treatments.

It should also give the agency the ability to fast track the approval of similar kinds

of treatments derived from cannabis.

It's gonna open a whole new market of treatments for seizures, pain relief, inflammatory conditions.

This is one of the most effective ways to help combat the opiod epidemic that we're

faced with.

As a matter of fact, they're now finding that they can use marijuana to treat opioid addicts.

I think this is really important, especially for an organization that is just so abysmal

as the FDA.

You know, I've talked about the FDA for so long.

It's such a dysfunctional organization.

I think they're always pushed by corporate America.

That's what happened here.

You're saying that this is setting precedence for everything else to follow that could solve

a lot of other issues that America has, like you said, with the opioid epidemic.

But what legal thresholds would the scientists behind this or advocates and attorneys, what

sort of legal threshold do they have to overcome for cannabis to meet before the FDA could

approve this sort of medicine?

No, we have a misunderstanding about the FDA across the board.

The FDA is not really most of the time driven by really what I would call pure science.

It's driven mostly by corporate influence.

That's part of the problem here.

This is what we have to worry about.

Big pharma isn't happy about the idea of being able to use cannabis oil unless it comes through

one of their pharmaceuticals.

Major drug companies were late to the party on medical marijuana, and the studies show

that they're already losing about $4 billion a year as more and more areas allow for medical

marijuana and this cannabis oil.

So, the FDA's decision is rarely really driven by just pure hard science, as you may not

... These are the kind of cases I handle all the time, pharmaceutical cases.

It's abysmal the way the FDA makes decisions.

Most of the time, the clinical-

But Mike, what's gonna happen?

What's gonna happen though if the DEA refuses to classify anything with a marijuana extract,

including CBD ... They still call it a schedule one substance, which means they don't count

this as having any sort of medical benefits.

How are the two government agencies gonna square this or are people gonna get thrown

in jail for having a prescription?

Well, they're now allowing some scientific research type of exceptions to what you're

talking about.

That's the type of thing that's held us up for so long.

These exceptions are gonna continue to grow as we find more and more states actually legalizing

marijuana.

At some point, the feds have to say okay.

And real quickly Mike, I'd like to get your thoughts on Justice Kennedy, his plans to

retire next month.

Well, good riddance.

He was always viewed as this swing vote who was gonna change things.

Not really.

He's never been a swing vote.

He's been a conservative.

So, no big loss.

All right.

I guess we've got to wait and see who takes his seat.

Thank you so much, as always, sharing your expertise with us.

Mike Papantonio, host of America's Lawyer, right here on RT America.

For more infomation >> FDA Approves Drug Derived From Cannabis Oil: Here Comes Big Pharma - Duration: 4:56.

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中央本線 E353系 スーパーあずさ1号 グリーン車車窓2 八王子～大月 View of the Super Azusa limited express - Duration: 25:47.

For more infomation >> 中央本線 E353系 スーパーあずさ1号 グリーン車車窓2 八王子～大月 View of the Super Azusa limited express - Duration: 25:47.

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Celebs React on Social Media - Duration: 2:55.

For more infomation >> Celebs React on Social Media - Duration: 2:55.

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Vigilantes Shooting Journalists Comment Was a Joke - Duration: 2:57.

For more infomation >> Vigilantes Shooting Journalists Comment Was a Joke - Duration: 2:57.

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Coachella's Strict Radius Clause 'Sucks The Oxygen' Out Of The Festival World, Lawsuit Arg... - Duration: 2:42.

For more infomation >> Coachella's Strict Radius Clause 'Sucks The Oxygen' Out Of The Festival World, Lawsuit Arg... - Duration: 2:42.

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President Trump Sent Democrats Over The Edge With This Hint About His Supreme Court Pick. - Duration: 3:53.

Trump Sent Democrats Over The Edge With This Hint About His Supreme Court Pick.

Justice Anthony Kennedy shocked Americans with his decision to announce his retirement

from the Supreme Court.

This sets up a battle that will shape American life for the next 50 years.

And Donald Trump just tipped his hand with who he may select to fill Kennedy's seat.

When Donald Trump was campaigning for President, he pledged to appoint only conservative justices

to the bench.

Trump's promise to fill Antonin Scalia's seat with a pro-life conservative helped drive,

Evangelical turnout in record numbers in the 2016 election.

Once in office, Trump made good on his word.

The President not only put Neil Gorsuch on the Supreme Court, but he has filled lower

court vacancies with young conservatives at a record rate.

So when Kennedy announced he was retiring after meeting Trump at the White House, conservatives

realized they had the chance to pull America back from the left-wing social engineering

liberal judges imposed on America.

President Trump briefly spoke with reporters after Kennedy's announcement, and sent Democrats

in a spasm of panic when he revealed the selection, to replace Kennedy would come from the list

of 25 judges, the administration released last November.

Trump stated,

"HOPEFULLY WE WILL PICK SOMEONE Who IS JUST AS OUTSTANDING," AND REFERRED TO THE POSSIBLE

CHOICES AS AN, "EXCELLENT LIST OF GREAT TALENT."

Democrats immediately realized their most cherished Supreme Court victories, were in

danger of being tossed in the ash heap of history.

CNN's left-wing legal analyst Jeffrey Toobin sounded the alarm on the air.

Toobin stated that Kennedy's retirement meant Roe v. Wade would be overturned.

The CNN analyst ranted:

"LET'S TALK ABOUT FACTS.

LET'S TALK ABOUT WHAT AMERICA IS LIKE THAT IS GOING TO BE DIFFERENT.

YOU'RE GOING TO SEE 20 STATES PASS LAWS BANNING ABORTION OUTRIGHT.

BECAUSE THEY KNOW THERE ARE GOING TO BE FIVE VOTES ON THE SUPREME COURT TO OVERTURN ROE

V. WADE."

Toobin continued,

"ABORTION WILL BE ILLEGAL IN A SIGNIFICANT PART OF THE UNITED STATES IN 18 MONTHS.

THERE IS JUST NO DOUBT ABOUT THAT."

The liberal CNN analyst concluded his tirade by stating: "Roe v. Wade is doomed.

It is gone because Donald Trump won the election and because he's going to have the chance,

to appoint two Supreme Court Justices."

Liberal activists in the media previewed another line of attack.

Meet the Press host Chuck Todd claimed Republicans holding a vote to confirm Trump's nominee,

this fall would violate the precedent Mitch McConnell set in 2016, when he blocked any

vote on Obama's selection of Merrick Garland to fill the seat left vacant, by Antonin Scalia's

death.

The absurdity of that statement was obvious to everyone.

McConnell blocked a lame duck President from filling a seat in an election year saying

the American people had the right, to decide who they wanted making Supreme Court nominations.

2018 is a midterm election year.

The American people already judged that Donald Trump was the man they wanted making Supreme

Court nominations, by virtue of his victory in the Presidential election.

In addition, there was no major fight over Barack Obama nominating Elena Kagan, to the

Supreme Court during the midterm election year of 2010.

Kagan was confirmed in August of that year – a similar time frame for the confirmation

of President Trump's nominee, which Senate Majority Leader Mitch McConnell laid out.

This is poised to be President Trump's most consequential decision.

The President can make good on his word and nominate a Justice, who will end the horror

of abortion and restore America to its Constitutional roots.

What do you think about this?

Please share this news and scroll down to Comment below and don't forget to subscribe

top stories today.

For more infomation >> President Trump Sent Democrats Over The Edge With This Hint About His Supreme Court Pick. - Duration: 3:53.

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Mike Shinoda Canaliza Luto e Esperança com "Post Traumatic" (Legendado PT-BR -- CC) - Duration: 11:28.

For more infomation >> Mike Shinoda Canaliza Luto e Esperança com "Post Traumatic" (Legendado PT-BR -- CC) - Duration: 11:28.

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Supreme Court of the United States Justice Kennedy's 5 Word Reason For Retiring, During Trump Era Ha - Duration: 4:34.

Supreme Court of the United States Justice Kennedy's 5-Word Reason For Retiring, During

Trump Era Has Dems Fuming.

Just after announcing his retirement, vital swing Supreme Court Justice Anthony Kennedy

revealed 5 remarkable words that explain why he chose to retire during President Donald

Trump's term — and liberals couldn't be more outraged.

In an era in which the opposition specializes in social justice, it's crucial to combat

such passive resistance with actual legal justice.

So, while the left is marching in the streets, wearing pink knit hats and chanting repetitive

vulgarities, conservatives are winning elections, passing bills, and implementing legislation.

On Wednesday, Supreme Court Justice Anthony Kennedy made an unexpected announcement that

he will decidedly retire under the current administration, handing President Donald Trump

the opportunity to pick his second judge to inevitably tip the SCOTUS scale to the right.

While addressing Justice Kennedy's announcement, President Trump not only honored the 30-year

SCOTUS judge, he also revealed the real reason the moderate justice chose to step down during

his term instead of that of any other president.

According to Trump, Kennedy feels at peace leaving the open seat for him to fill because

he wants the president to "carry on his great legacy," The Daily Caller reports.

Trump further explained that Kennedy has faith in him and trusts that he will uphold the

law.

"Great man.

And I'm very honored that he chose to do it during my term in office, because he felt

confident in me to make the right choice and carry on his great legacy, that's why he

did it," Trump said of Kennedy's retirement.

While speaking in North Dakota, Trump recognized that incumbent Democratic Sen. Mary Kathryn

"Heidi" Heitkamp will likely deny any nomination he chooses, although he expressed

optimism that he will be able to convince the Senate regardless.

"And remember this, so we have a pick to come up, we have to pick a great one.

We have to pick one that is going to be there for 40 years, 45 years.

We need intellect, we need so many things.

There are so many elements, go into the making of a great justice of the Supreme Court, you

gotta hit every one of them.

Heidi will vote no to any pick we make for the Supreme Court," Trump continued.

However, Heitkamp did accept Trump's SCOTUS nominee Neil Gorsuch in 2017, showcasing the

president's ability to gain support from both sides of the political aisle.

Gorsuch was nominated and confirmed in just over 2 months, giving Democrats a legitimate

reason to worry about Trump's promise to "immediately" begin searching for a replacement

for Kennedy ahead of the November elections.

His pick will undoubtedly sway the Supreme Court toward conservatism, as the remaining

8 justices are evenly politically split.

Expectedly, leftists are lamenting the world's end, arguing that a conservative Supreme Court

will result in Nazi-like legislation, a phobia they justify in their trivializing comparison

of President Trump to Hitler.

Senator Chuck Schumer incited panic in the left, equating the restoration of conservative

American values to the abolition of human rights, The Washington Post reports.

"Nothing less than the fate of our health-care system, reproductive rights for women and

countless other protections for middle-class Americans are at stake," Senate Minority

Leader Charles E. Schumer (D-N.Y.) said in a floor speech, calling the Kennedy vacancy

the "most important . . . in at least a generation."

"Millions of people are just months away from determining the senators who should vote

to confirm or reject the president's nominee, and their voices deserve to be heard now,

as Leader McConnell thought they should deserve to be heard then," Schumer said.

"Anything but that would be the absolute height of hypocrisy."

For far too long, the left has wielded the Supreme Court as a weapon against individual

liberties, reducing our constitutional rights to rubble in order to satisfy their desire

to topple Western values.

Now that Trump has the opportunity to swing the Supreme Court, major issues such as abortion,

illegal immigration, LGBTQ privileges, and gun control are in danger of a much needed

legal overhaul.

No longer will the fringe minority be allowed to bully the benevolent majority.

Social justice will soon take a back seat to legal justice.

What do you think about this?

Please share this news and scroll down to Comment below and don't forget to subscribe

top stories today.

For more infomation >> Supreme Court of the United States Justice Kennedy's 5 Word Reason For Retiring, During Trump Era Ha - Duration: 4:34.

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Karamat e Ghous e Azam | No94 | Which Place Imam Ahmad Bin Hanbil (RA) Cuddle Ghous Pak (RA) - Duration: 2:21.

Which Place Imam Ahmad Bin Hanbil (Raziallahu Taala Anhu) Cuddle Sarkar Syedna Ghous e Azam (Razi Allah o Taala Anhu)

Hazrat Ali Bin Al Haiti (Rehmatullah Aleh) narrated that once I and

Sheikh Baqa Bin Batoor (Rehmatullah Aleh) along with Mehboob e Subhani

Ghous e Samdani Qutb e Rabbani Sheikh Sarkar Syedna Abdul Qadir Jelani (Razi Allahu Taala Anhu)

to present on the holly shrine of Hazrat Imam Ahmad Bin Hanbal (Rehmatullah Aleh)

then I saw that time that Hazrat Imam Ahmad Bin Hanbal (Rehmatullah Aleh)

came out from his grave

and cuddle the Ghous Pak (Razi Allahu Taala Anhu) to hi chest and say Sheikh Abdul Qadir Jelani (Raziallahu Taala Anhu)

I am impecunious of you (Razi Allah Taala Anhu) in Ilme Shariyat, Ilme Haqeeqat and Ilme Haal.

Reference Book ( Karamat e Ghous e Azam {Razi Allah o Taala Anhu} )

For more infomation >> Karamat e Ghous e Azam | No94 | Which Place Imam Ahmad Bin Hanbil (RA) Cuddle Ghous Pak (RA) - Duration: 2:21.

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Steve Soto, Adolescents Founder and Punk Veteran, Dead at 54 - Duration: 4:46.

For more infomation >> Steve Soto, Adolescents Founder and Punk Veteran, Dead at 54 - Duration: 4:46.

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Milo Yiannopoulos joked about 'vigilante squads' hurting journalists days before Annapolis shooting - Duration: 4:48.

For more infomation >> Milo Yiannopoulos joked about 'vigilante squads' hurting journalists days before Annapolis shooting - Duration: 4:48.

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កន្ទ្រឹមខ្មែរសុរិន្ទ ជម្រើសពិសេស វ៉ុល០៥, Kontrem Khmer Surin Best Collection Vol05, Khmer Surin Song - Duration: 40:53.

Kontrem Khmer Surin Best Collection Vol05, Khmer Surin Song

For more infomation >> កន្ទ្រឹមខ្មែរសុរិន្ទ ជម្រើសពិសេស វ៉ុល០៥, Kontrem Khmer Surin Best Collection Vol05, Khmer Surin Song - Duration: 40:53.

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Dog Blanket Trick COMPILATION 😂😂 What the Fluff Challenge - Duration: 5:28.

[Dog Blanket Trick Compilation]

[What the fluff???]