Youtube daily Oct 25 2018

Kansas career politicians couldn't find real solutions if you gave them a map.

But Brian McClendon created Google Earth to map the world.

Brian McClendon helped create thousands of jobs and helped build Google as an executive.

McClendon will keep our elections secure and protect Kansans from having their credit card

and social security numbers stolen by cyber-criminals.

To have a Secretary of State who gets the business of tech, we need a Secretary of State

from the tech business.

Brian "BAM" McClendon - the Google guy from Kansas.

For more infomation >> Brian "BAM" McClendon - Secretary of State - Reading a Map vs. Making the Map - Duration: 0:31.

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Try Not To Laugh 20 Best Funny Water Fails Compilation 2018 - Duration: 10:08.

For more infomation >> Try Not To Laugh 20 Best Funny Water Fails Compilation 2018 - Duration: 10:08.

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Are The Pipe Bombs Mailed To Democrats Real Explosives? | TODAY - Duration: 3:19.

For more infomation >> Are The Pipe Bombs Mailed To Democrats Real Explosives? | TODAY - Duration: 3:19.

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Creatability: Exploring ways to make creative tools more accessible for everyone - Duration: 3:49.

[clacking]

Kearney-Volpe: The typewriter, recorded sound,

speech recognition, all of these technologies were originally designed

or greatly improved on by pioneers in accessibility.

By finding solutions for people with unique abilities,

accessibility researchers often end up making technology work better

for everyone.

I'm Claire, and I'm a designer from the NYU Ability Project.

We've been collaborating with Google

and innovators from the disability community

on a project called Creatability.

It's a series of starter experiments

that explore ways we can make creative tools more accessible

using AI on the web.

Each experiment expands creative possibilities

by designing for all kinds of inputs, whatever works best for someone.

Fleet: My name is Chancey Fleet.

I am a technology educator and accessibility advocate.

Sound Canvas enables a non-visual user

to draw on the screen in a variety of ways,

including using a mouse, using a stylus, using arrow keys,

or even using body-tracking technology

and receive immediate real-time feedback about the drawing that they're doing

in the form of sound that is pitched higher on the vertical plane or lower,

and panned in stereo from left to right

so that the individual can develop a real sense

of where they are with their drawing in space.

woman: That is really cool.

[piano notes playing]

Zimmerman: My name is Jay Alan Zimmerman,

and I'm a composer who became deaf.

Seeing music is a way to experience music

through your eyes instead of your ears.

It is a series of tools

that will help you to understand music and musical sounds,

so you're gonna get a sense of volume, emotion, intensity.

I think it's really important that people have access to these tools

so they can start experimenting.

F6. woman: Okay.

Zimmerman: That-- no, you just did it right now.

You did F6.

woman: I can't hear it, but I can feel it.

Kearney-Volpe: We've also been exploring new ways

for people to create music using their head or body.

Farrimond: My name's Barry Farrimond.

I'm a co-founder of Open Up Music,

an organization that empowers young disabled people

to create inclusive youth orchestras.

So Clarion Lite is a introductory musical instrument

to get people started on their musical journey.

It opens up the opportunities to interact with a musical instrument.

It broadens it out from just ten fingers to any part of your body.

By putting that musical instrument online,

we're opening up access to people around the world.

[laughing] I mean, it's an amazing thing.

Phillips: One of the key things that makes all of this possible

is TensorFlow.js, making machine learning algorithms

more accessible to anyone, right in the web browser.

It's all happening on your computer,

so this allows us to not only give you a--

a faster frame rate to make this an enjoyable experience,

a fluid experience,

but it also makes it so that your data is completely private to you.

Kearney-Volpe: Anyone with access to the internet,

a browser, and a web cam

can just click and instantly try these experiments.

These collaborations are really just the beginning.

We're excited to see

how other developers will build on what we've started here.

Fleet: I think it's an-- an open invitation

to the community of developers

to engage with what's already available

and iterate and really move forward the state of the art.

This is a great beginning.

[piano notes playing]

[instrumental music]

For more infomation >> Creatability: Exploring ways to make creative tools more accessible for everyone - Duration: 3:49.

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Influencer The Grey Layers' $1,600 Apartment Tour In VR 360 | Refinery29 - Duration: 6:39.

Hey!

My name is Jeanne Grey and welcome to my Sweet Digs.

If you're new to Refinery29, make sure you hit the subscribe button below, or I can't

let you in.

If you have a headset like this one though and want to watch it on virtual reality, make

sure to hit that icon on the playbar.

Come on right in!

Alright, I see you made it.

I have a no shoe policy — check out my cool slippers.

I live with my husband Varick, my

dog Storm, and I have a bunny whose name is Dog.

We live in Jersey City, three bedroom, 1000-sq feet for $1600 a month which I think is a

steal.

I don't think we'll ever be leaving any time soon.

Welcome to my kitchen.

Before it was this wood color and wasn't really a fan of it.

We decided to brighten up the space with a lighter color paint, tie in the whole kitchen

with copper and gold accents.

So we even got like our copper kettle, our gold utensils to tie in the

backsplash and the brass handles.

This is my best friend.

We do brew our own coffee every single day.

99% is really for me 'cause Varick doesn't really drink coffees.

I also have this really cool automatic soap dispenser, which is so awesome.

Open can!

Another personal favorite is this automatic trash can which really saves lives honestly.

Turn around and let's look at my living room next.

Our common area is actually really special because

me and Varick decided to add in the crown molding on the bare walls.

It was $500 and it took two days to add on, which is not bad considering the whole Parisian

chic effect it gives which I really like.

There's a good amount of stuff here that we picked up from vintage stores and thrift

stores.

Like on this little corner we have antique cameras.

They're also really cool conversation starters when we have guests over.

We love entertaining, hence why we have this little area: the dining area.

Did a little project on these

chairs.

We spray painted the legs, the gold color just finishes the whole room.

This bar cart is not really a bar cart because it has no alcohol as you can see.

It became a really cool area for our candles and incense, and just created this nice aesthetic

feel of tying in the whole room with the gold and the bronze.

And we have over here Storm's sweet digs.

This is where she lives most of the time.

But really she has the whole apartment, this is her whole house.

So this third room has become my home office.

I'd love to show you guys that.

And welcome to the third room in our apartment, and also my office.

This place is really special, I do a lot of my work here.

It's the brightest room in the whole apartment.

A little bit about this wall here — a lot of it are magazine clippings from my past

work.

I have some of my sketches from god knows how long, probably high school.

I wanted to keep myself motivated and these do the trick.

Everything is a work in progress still including this room.

Something that

I really have been wanting to do in this office is actually add some molding.

Probably something that splits this in half and keep it very simple.

Something else I wanted to do was add some frames all the way up to the ceiling over

there.

What do you guys think?

I'd love to hear your input.

Write it in the comments below.

And on this little corner I present Dog's digs.

In our first apartment we weren't really allowed to have dogs and so I decided to bring

home a bunny one day and just named the bunny Dog because why not, right?

Now that you've seen my work space I want to show you where I get ready.

Come on, let's go.

So this is the bathroom.

It's a bit small so we decided to do some upgrades in here to compensate for the size.

Like this wooden toilet seat that I really love and I thought it was really charming.

And of course my favorite piece ever, the bidet.

I really love that bidet so much.

My next door neighbor's dining area is right next to the bathroom.

Half the time you'll see them eating and cooking

and like talking in their dining table, which I think is kind of funny.

It's either we close it or they close it.

It's always like a hit or miss and we end up laughing at each other half the time.

I don't do a lot of getting ready in here since it's a bit tight.

I want to show you where I get ready cause it's my second most favorite place in this

whole apartment.

Come on, let's go.

Welcome to my closet.

I do a lot of my getting ready right here.

A lot of my shoots happen in this room.

This desk is really special.

We got it from a flea market for $10.

We decided to paint it white, switch up the handles into copper, which I think adds a

really cool touch to the whole piece.

I added in these antique mirror jewelry holders which I converted into perfume holders and

the little knick-knack holders really 'cause I have so many little random stuff.

These two wardrobes, they're extra large because I have really long dresses.

Varick was telling me that these are way too tall for my own good.

Oh my god,

I think he's kinda right honestly.

Now I think he's kinda right.

And the star of this whole room is my favorite mirror.

She is 7 feet by 5 feet huge.

We got it over at Craigslist for $200.

My best Craigslist find yet.

It does help a lot of my shoots because it has so much character.

I do a lot of photoshoots every day and I write about life in general.

Fashion, lifestyle, travel, food, you name it, I've probably written about

it.

A lot of people have their closets inside their bedroom.

I love separating work, play and rest.

So I wanted to show you how simple my bedroom is.

Let's go there right now.

That's the last room in this apartment.

The best part about this room is its simplicity.

The sole purpose of this room is to help us renew, re-energize, to zen out after a long

day and really just prepare for tomorrow.

Being that feng shui is a good way to create a flow.

We loved implementing that in here and the reason for the bed

being in the middle facing this way is because if your bed faces in the southeast region

of your bedroom, it creates this aura of just calmness and contentment in your relationship,

in your life, and in your career.

So there is a method to my madness, for me that's feng shui.

I hope you were able to pick up some tips and tricks on how to create a good flow of

energy in your own apartment.

But for now it's time to say goodbye.

Come on, let me walk you right out.

Thanks for stopping by, hope you liked seeing my Sweet Digs.

Bye!

For more infomation >> Influencer The Grey Layers' $1,600 Apartment Tour In VR 360 | Refinery29 - Duration: 6:39.

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Classical Musicians React: LOONA/Olivia Hye (Feat. JinSoul) 'Egoist' - Duration: 12:37.

Elizabeth: When I think of the term 'love yourself', you think like happy, upbeat, but this, this is like a really hardcore

song with lots of seventh chords, and

whatever's happening right now. Henry: Ooh!

Umu: For the last LOONA solo that I'm showing you I'll be showing you, the 12th member to debut.

Her name is Olivia Hye,

and with her song, 'Egoist,'

Jordon: composed by Artronic Waves, LAB301, and

Pablo Groove, to debut in March 2018. Her color is silver, her animal is wolf, and her fruit is blood plums.

Lindsey: Whoa Davis: Wow, so she's super edgy, dude. Lindsey: I've heard of this one before ???: She's super edgy.

Jordon: The past few debut songs talked about one's ego.

The ego is seen as a girl who admires someone or envies another.

Sometimes it starts from self-loathing

or disappointment in oneself.

However,

they come to a realization that self-awareness is not decided upon or created by somebody else, but built by

oneself, by starting to love oneself.

Umu: Although it may seem selfish,

the process of completing one's ego is to love oneself,

which is the message of the song.

This song features the seventh member to debut, JinSoul,

as the rapper, and at the very end of the music video, a girl will approach

Olivia, and that's actually HeeJin, the very first member to debut, so it comes in a full circle. Jeremy: Aww! That's cool. Olivia: Aww! ??????

Henry: Whoa! Elizabeth: This is like a K-pop version of the Marvel Cinematic Universe.

Both: (singing)

Jeremy: Oh, the other way. It went the other way. Rachel: Yeah.

Rachel: That's what my bed looks like.

Lindsey: It's like pulsing.

Davis: Oh, yeah. Oh! I like that.

Elizabeth: There are no triads, there are only seventh chords.

Henry: Yes!

Charlotte: I like her voice.

Peyton: Yeah.

Elizabeth: Oh, her voice is very low.

It's very pretty

It's interesting because like the piano is higher than her voice.

Henry: So much of this imagery is very creepy in all the videos.

It's very offputting. Elizabeth: She's a wolf.

It's not like a

friendly animal.

Jarod: I love, there's something about the sound of the music and the visuals that just seem to go like really well together. Katie: Yeah

Peyton: Whoa! They offset it by a beat.

Jeremy: I wasn't expecting to get this hype. Rachel: You don't drop 'til two

Henry: Oh, the entrance on two, that's hip!

Rachel: It's like very standard progression, but they're making it interesting.

Lindsey: Whoa, like all the background noises and stuff Davis: Um, hmm, yeah, yeah, that's what I mean, like,

If you looked at like a screen with all the things that are in this song that are happening right now,

I mean it would be so Lindsey: A long list Davis: The list would be very long

Elizabeth: When I think of the term, 'love yourself', you think like, happy, upbeat, but this, this is like a really hardcore

song with lots of seventh chords, and

whatever's happening, right now. Henry: Ooh!

Rachel: I like this, whatever's happening.

Elizabeth: We have like lost the beat, sort of.

Peyton: Holy sh*t, this is dope!

Whoa!

Davis I like a good rap break. Lindsey: This is so weird because it's hard to feel where the actual pulse is here.

Jarod: I just love how it has the driving 1,2,3,4, 1,2,3,4, but at the same time you feel (slower) 1-2-3-4-

So it's like you get like that cool,

driving, but at the same time. It's keeping you grounded.

Kevin: Again it's- still lack of autotune. Like all the quarter tone shift.

Henry: This chorus is a work of art. It's perfect.

Nine chords, entrance on two,

Yeah, that's right. Oh, it's so cool. It generates awesome forward momentum.

Henry: Is she a lesbian? Umu: (laughter) Henry: She's in bed with a girl, I was just asking.

Kevin: Oh, that's the same building that HeeJin and HyunJin did 'I'll be there', I think.

Charlotte: Ooh!

Peyton: Yeah

Henry: Whoa, f*ck, yeah!

Davis: Now

Lindsey: (dropping sound effect)

Lindsey: That just like, fell. Davis: They're definitely setting you up every time that happens. Yeah.

Lindsey: Yeah

Elizabeth: A lot of the ends of the phrases like

descend in pitch.

That's weird.

Lindsey: Love myself today. Yeah, b*tch. Davis: You better.

Lindsey: Girl Davis: You better.

Davis: All right, so she.. Lindsey: I like how that thing in the background that keeps (mimics sound)

going up and coming down Davis: So, she burned the bed. What was on the bed, though?

Lindsey: Her old self maybe? I don't know. Davis: Oh

Maybe.

Lindsey: Oh, wait, no Davis: That's a faceoff, right here.

Lindsey: Yeah

Lindsey: She gonna fling her off the roof?

Davis: That would be

Lindsey: That'd be pretty gnarly. Davis: insane.

Henry: So what's the significance of having the first person come back?

Elizabeth: It's bringing it full circle.

Henry: But no, but what about the first person in particular is so meaningful for the end of this particular video?

Umu: Good question. Start making theories.

Elizabeth: Oh, my God.

Lindsey: The song and the video supporting each other better than any of the rest of them. Davis: That's true. Lindsey: I feel like they went so nicely together.

Lindsey: I don't know like, since you said that at the beginning, how they changed video frames with the music Davis: Yeah, yeah, yeah

It happened throughout the entire thing Davis: Right? Lindsey: and it was just like very satisfying

Davis: Yeah Lindsey: to watch and listen to that at the same time. Like they, I mean the song was super good, too. I really enjoyed it.

Peyton: Art

Charlotte: Yeah. Oddly, the one that talks about self love is the most sensual.

Peyton: I don't know, man, that was, that was pretty heavy. Like, in a good way, like not like a,

"Oh, God, now I don't know how to feel", you know, kind of way.

Charlotte: It's also interesting that just compared to the other ones that we've watched today,

just I feel like hers is the most like, I feel like a lot of them are like very

cutesy, upbeat, or like ballad-y type things, and she has a very different vibe. I don't know,

it was just really interesting to see, cuz it wasn't what I expected,

based on what we've already watched.

Jarod: I love how it starts in one area, like one kind of mood,

then it cuts and goes in a trap, but then it kind of, like, with still hints of that previous section, and then goes back to it to kind of

wrap it all together, so it made sense.

Katie: Yeah, it was cool. It's definitely the most poppy song of the six that we just listened to.

I didn't like the,

transition between

the one part of the song and then the trap and then back. I thought that was a little clunky, and forced.

Isaac: I don't know, I kind of connected with the song a little bit, with the aspect

of just like going through the motions, with the one, two,

it's like (singing)

And then later, there's like that middle section, where you have like the cacophony of sounds, just like blasting,

and then you're just like pulling left and right, and it was very just very interesting, cuz it's like man, I got a little bit more philosophical

like this whole weekend, and it's just like the aspect of like you're going through life, it's very repetitive, and it's you don't

know where it's going, around here and there, so I thought was very interesting. The song really evoked that memory, or just that realization.

Kevin: That's so cool. I think the song is very, very loud.

And very, very just

overexposed. And they, it's like oh, here's the synth, but we're gonna make it even more crazy

synthy, and add a ton of reverb, and make it sound really watery, and just really spacious, but to the point where it's so

synthetic that I can't take that. It's actually my least favorite LOONA single.

Isaac: Oh, really? Kevin:Yeah.

Isaac: I actually really enjoyed this. Kevin: I bet.

No, there's a lot of musically interesting things going on with it.

But I guess for me, it's it might be more of a personal taste. I think it's definitely just a personal taste

Rachel: They're all very capable singers. Jeremy: Yeah, it's really cool.

Rachel: It wasn't as musically interesting to me as some of the other ones were, but like I like a lot of the things that they

did. I'm glad there was that

3, 4 breakdown Jeremy: That middle section was like really cool. It was like, what's happening?

Henry: First of all, the po-writing was amazing, and it wasn't even the most excellent part about it, which is amazing. Like, how?

There's so much going on in this video that I thought was so very interesting.

This one felt like the music was the soundtrack to the story the most, I think.

Elizabeth: Yes, I would agree with that. Henry: Even though the second one we watched with the

not-enough-cats, that was really, really strong, too. But I think this one was probably, I don't know, I thought this one was

Elizabeth: Yeah

the strongest in that aspect. Elizabeth: I got the point. I mean, you know, she's trying to learn to love herself.

It's an uphill battle, man. I mean, it's, it's really tough.

And I know, the little I know about Korean culture is that there's like very rigorous standards of beauty.

That's got to make it really tough to like try and accept yourself fully and completely, so it's not like a, not like an easy,

happy process. It's a... Henry: Yeah Elizabeth: You gotta get down and dirty.

Elizabeth: That's tough.

That's really tough

Umu: Top two? Isaac: Love Cherry Motion and this one. Absolutely

Kevin: Honestly, comparing them all together,

I have to say YeoJin.

But because I've had a lot of time with these songs, Vivid is still the one that I always go back to, and Isaac: HeeJin!

always listen to, and I just think the song is very strong. But YeoJin's a very close second. Yay!

Katie: I'd say Vivid. Jarod: Yeah, I think

it's, it's a toss-up between Vivid and Kiss Later, cuz I had fun with that song, and I had fun with Vivid.

I think just to fight Katie and this one, I'll say Kiss Later is my favorite. Kaite: F*ck you

Rachel: Second one. What was it called? Umu: Around You.

Rachel: Mmm-hmm

Jeremy: Mine was either the first or the second. But they were both really good, and like very different, and you could see throughout like all six

that we watched, they each have their unique qualities, both the song and like, the voice.. Rachel: Yeah,

I liked just a song and the vocalist best for that one. Jeremy: Yeah.

Davis: What's yours? Lindsey: Love Cherry Motion. Davis: Okay, good.

She said that one, so I can say definitely

HyunJin's, because like I said,

I do appreciate the subtle, more feelsy, artsy vibe.

Charlotte: Probably say the last one, my favorite.

I just liked the whole vibe of it,

and I think that what Peyton pointed out (the cameraman) and like what they were doing visually was also very interesting.

But I also liked--was it the one before fruit bat girl?

Peyton: Yeah, yeah. Basically, same.

Elizabeth: Okay, so I liked the vampire bat girl, or well, no, fruit bat, I liked the fruit bat one.

That was like, what is happening?

Yes! I like when they subvert your expectations.

Probably this one. Yeah. The whole like,

transition, where they just had like a bunch of like synthesized beats,

but they like didn't feel like they lined up with a meter, and then suddenly there was rapping, and I was like

I don't know where we've gone, but I'm glad we made it.

Henry: All right, okay, I have to break down into three categories.

Okay.

Music:

the

second one. In terms of like, ambition: the third one. In terms of

overall, like excellence of music, and excellence of video, excellence of message, and everything about it: this one.

Yeah. Umu: Okay.

Hello everyone. I'm Umu, and I'm the channel runner of React to the K.

I really hope you enjoyed watching this video. If you're curious about the videos that we'll be reacting to in the future,

I put a link to a doc with our release schedule in the description

Last not least, if you'd like to support our channel

you can help us out by pledging any amount you would like on our

Patreon. On Patreon, you can get access to full, unedited pair reaction playlists,

reactions to Japanese releases, and much more. And of course, a huge shout out and thank you to our superstar patrons.

Thank you so much for your support. Bye

For more infomation >> Classical Musicians React: LOONA/Olivia Hye (Feat. JinSoul) 'Egoist' - Duration: 12:37.

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Michael Phelps Opens Up About Struggle With Depression | TODAY - Duration: 7:24.

For more infomation >> Michael Phelps Opens Up About Struggle With Depression | TODAY - Duration: 7:24.

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Explosive Devices: How Investigators Are Searching For Perpetrator | TODAY - Duration: 2:56.

For more infomation >> Explosive Devices: How Investigators Are Searching For Perpetrator | TODAY - Duration: 2:56.

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Pipe Bomb Investigation: What Officials Have Learned From The Past | TODAY - Duration: 3:11.

For more infomation >> Pipe Bomb Investigation: What Officials Have Learned From The Past | TODAY - Duration: 3:11.

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The North Focals Smartglasses: All You Need To Know - Duration: 3:40.

the dream of Google glass lives on via North's stylish and normal-looking smart glasses

that bring text messages and navigation prompts into the users field

of view and Amazon Alexa integration for voice-activated assistance after the

company formerly known as thalmic labs teased the launch last month

the focals smartglasses are now available to pre-order for 999 dollars in new york and toronto

Focals replicate the heads-up display approach to AR the Google glass promised

while avoiding the utilitarian design and the cyborg like

appendages the light engine for projecting content still exists but it's

tucked inside the temple near the outside corner of the users eye the

display is built into the lenses designed to reflect narrow bands of red

blue and green light with all other points on the light spectrum passing

through to the eye for user input Focals chairs the voice-activated approach of

glass however instead of a temple mounted trackpad users navigate a ring

mounted joystick called loop a logical approach for a company whose first

product was a motion tracking armband one of the notable omissions is a camera

so users won't be able to capture point of view photos and video as they would

with glass or even snap spectacles much less display 3d content in the physical

environment Focals also sidesteps privacy issues and backlash that dogged

glass interactions at launch are limited the smart glasses deliver text messages

calendar events turn-by-turn navigation and weather along with the integration

of ubirr for ride-hailing an amazon alexa for music news timers and more

north will add more functionality over time but the company has not made a

software developer's kit available at this time

as far as specs go vocals run on the Qualcomm MSM 89 o9w chip which is

designed for smartwatches running Google's where OS it connects to EOS and

Android devices via Bluetooth 4.1 the device also packs a microphone and

directional speaker and an array of sensors that include nine axis IMU

ambient light sensor and proximity sensors with a 700 mAh battery vocals

can run for 15 hours vocals are rated ip55 for water resistance so it can take

a splash of water but not a shower or a swim while the loop is ip66 rated so it

can withstand your average hand washing North offers two styles of focus with

the classic version shipping in December and the round design arriving in 2019

included in each order are Foucault's and loop along with Sun Clips battery

case cleaning cloth wall plug and a 3-foot USBC cable prescription lenses

are not available at launch but two company notes they are coming soon

For more infomation >> The North Focals Smartglasses: All You Need To Know - Duration: 3:40.

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UltraFICO: Is the New Credit Score Good or Bad for Consumers? - Duration: 4:08.

Jason Moser: Let's take a look at UltraFICO, which we mentioned at the beginning of the show.

Over the weekend, speaking of American Express, one of the things I get with American Express is,

every quarter, they send me my free credit report.

I get this, and I can look through and dispute any problems or anything. It gives me my FICO score.

And it always makes me feel good, because I take good care of my credit score.

My FICO score is still good.

So, I'm going to sleep at night, I'm feeling nice and safe and comfy in my home,

knowing that the bank is going to keep lending me that money because I've got a good FICO score.

Then, I wake up and read about this UltraFICO score. And now, I'm getting a little bit concerned.

This sort of piggybacks on the conversation we had last week in regard to the return of

zero-down subprime mortgages.

Essentially, Fair, Isaac, the company that created and uses the FICO credit score,

is going to roll out this new scoring system in early 2019 that essentially factors in

how consumers manage the cash in their checking, savings, and money market accounts.

It's basically another way for them to measure an individual's particular credit risk.

The whole idea behind this, it's not to make sure that they are lending to the best possible borrowers.

What they're trying to do is expand the pool of borrowers and give more credit to more people,

to grow that opportunity to lend to more people.

I can't help but feel like maybe, between last week's story on the subprime mortgages

and this week's UltraFICO score, I'm a little bit skeptical at first glance that this is a good idea.

You said that you're going to be speaking with these good people out there this week.

Tell me a little bit about what you think about this UltraFICO score.

Matt Frankel: It makes sense to a certain degree.

When you go to open a checking account, they run a credit check on you.

It's a product that you need good credit to get.

You need to use your checking account responsibly to keep it open.

So, it is somewhat a predictor of responsible financial behavior.

But, at the same time, this is being used as a backup FICO score.

Here's the idea -- if you go to apply for, let's say, a mortgage, they run your FICO

score and say, "Oh, your score is too low. You don't qualify for a mortgage."

You can say to this lender, if they give you the option, "Now check my UltraFICO score,"

which would take into account if you've had a checking account open for a long time with

no overdrafts, no defaults.

It would take that into account and potentially raise your score and allow you to qualify

for a lending product that you otherwise wouldn't.

So, it makes sense to a degree. But like you said, I'm skeptical.

There's a reason that people with low FICO scores don't qualify for loans, it's because

they generally don't have a very strong history of financial responsibility for one reason or another.

I'm approaching this with caution. I'm meeting with FICO's CEO, as you said, tomorrow morning.

I definitely have a list of questions written down for him.

I'm curious to hear what they say about it in more detail and the rationale behind it,

which I will definitely be glad to share with our listeners next week, whatever I take out of that meeting.

For the time being, I'm approaching this with caution. I like the FICO score system the way it is, simply put.

I think it does a very good job of predicting consumer financial behavior.

This seems more like a way to boost banks' lending pools a little bit more.

Moser: Yep. Bottom line is, I'm not going to change what I'm doing.

I think I'll dance with what I've got, because it seems to be working so far.

For more infomation >> UltraFICO: Is the New Credit Score Good or Bad for Consumers? - Duration: 4:08.

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PayPal Earnings: Venmo Might Start Making Money Soon - Duration: 3:53.

Jason Moser: I wanted to go ahead and open up the conversation with PayPal, a company

that all of our listeners are familiar with. I think it's a stock that you and I both own.

At least, I own it. Do you own shares of PayPal, Matt?

Matt Frankel: I did. I actually sold it. I had eBay, so I acquired PayPal shares through eBay.

Moser: Very good!

Frankel: I got rid of it a couple of years ago to buy Square, which turned out to be a pretty good move.

Moser: Not a bad move at all! Frankel: Yeah, it's tough to argue with that one.

Moser: I thankfully own both. I think that when you look at the quarter PayPal turned in, you have to feel really

good about what they're doing.

This is really all about the dollars that are flowing through that network.

Total payment volume for the company was up 24% to $143 billion.

Engagement, which is essentially the number of transactions on the trailing 12-month basis, was up.

Mobile payment volume was $57 billion.

My takeaway from the quarter was that they're doing a lot of really good things.

There's a reason why the stock spiked on this release.

I think, generally speaking, you have to be pretty optimistic.

What's your take, Matt?

Frankel: This quarter in my mind was all about Venmo. You mentioned payment volume was up 24%.

Venmo's payment volume was up 78%. That's really what's driving PayPal higher.

Not only that, but we mentioned in an episode a week or two ago that they're trying to start to monetize Venmo.

They announced that one in four members can be monetized right now.

That's up from 17% last quarter, and much less than that last year.

Not only is Venmo growing, but they finally think they can turn it into a significant

revenue stream, which is a lot sooner than anyone really thought that was going to happen.

That's my takeaway on this quarter.

Moser: I was looking for any and all language regarding Venmo that I could find.

I think you're right, that's the forward-looking picture with this company.

I think it's worth noting, we talk a lot about Venmo.

You and I spoke last week about the fee change on the instant access side of the business.

We have to keep an eye on how consumers are going to feel about that ultimately.

For me, it was worth noting that while the results for Venmo were good, $17 billion of

that $143 billion was through the Venmo network, which was significant.

They said that 24% of users are now participating in a monetizable action.

That's all great news, but I think what could get lost in the conversation is the fact that

PayPal on its own, sans Venmo, is still doing a really good job.

To me as an investor, that's an even better outlook, really.

You're looking at not only the power of the PayPal platform, but also the Venmo platform,

other platforms like Xoom, for example. These guys have a lot of different ways to make it work.

From an investor's perspective, that's a really attractive part of this business.

Frankel: Yeah, definitely. PayPal is growing really well on its own, which is impressive,

considering how big PayPal is. PayPal has become just part of our language, like, "PayPal me."

Everybody uses PayPal, it seems, but they're somehow still growing very, very rapidly.

Moser: I think I'm going to hang onto my shares, Matt. I'm going to keep my Square shares, too.

Like we say every week, if we could shut up for long enough, I'm sure we'd both add to our positions.

Maybe after earnings season dies down, we'll have a chance.

For more infomation >> PayPal Earnings: Venmo Might Start Making Money Soon - Duration: 3:53.

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Travelers (TRV) Stock: Why Haven't Investors Caught On to This Company Yet? - Duration: 3:27.

Jason Moser: Let's take a look here really quick at Travelers.

Everybody knows the red umbrella. Travelers Insurance's earnings came out.

I made the joke last week -- for listeners who don't know, I actually moved up here and

took the job at The Fool in 2010. The job that I left was with Travelers Insurance.

I worked with Travelers for a year.

It was a good job, it offered me a lot of opportunity to move up in the company.

I made the joke that when I left, the stock was somewhere around $50.

Now it's around $125, it peaked around $150.

The bottom line was, I felt like I left the company in really good shape.

Of course, that was a joke, because I didn't have anything to do with anything.

I do think this is a very good business.

I'm surprised it's always flown under the radar of our services here.

The fact of the matter is, if you invested in Travelers a decade ago, and you held onto

those shares, you would be extremely happy.

I think that is because the company is very focused on making sure they do right by their customers.

When I was there, their core philosophy was, "Pay what we owe, and let's move on."

They tried to reduce and eliminate as many of those frictional costs as possible when it comes to insurance.

One of the big ones is subrogation, when you have claims that are disputed, and they go

further down the line to lawyers and insurance companies battling each other.

To me, that's a one-two punch there that makes it pretty compelling from the investor's perspective.

Net premiums grew 6%. The combined ratio is still performing very well.

This year the underlying combined ratio was 93%. We always like to see that low number, under 100.

That means they're writing good business.

To me, there were a lot of good reasons to be optimistic about Travelers.

I think investors in Travelers today could feel comfortable holding those shares knowing

this is a well-run business that should continue to perform well for some time to come.

Also, I'll give one more look here to a company I follow, Ameris Bancorp.

Ameris is a small little bank in Moultrie, Georgia.

It's actually a part of that small business big investments basket that I put out recently.

It's just a $2 billion market cap. I found it back in 2011, right at the peak of the financial crisis.

You were a small-cap bank in Georgia, that was basically ground zero.

I don't think a lot of people gave them a chance to survive.

But the FDIC found that this was a very well-run bank and decided to use them as a partner

in helping them roll up some of those failed institutions. Really, it's been a total assets story.

It's been a story about assets and about deposits.

Ameris has continued to grow that asset base and that deposit base.

And that deposit base is really top of mind for them in the coming years.

The efficiency ratio continues to improve, 60% last year down to 54% this year.

Another ratio we like to see on the lower side.

They are still assessing the potential for some loan losses from Hurricane Michael,

which did roll right through that part of the country. But all in all, still performing very well.

I'm very encouraged with what Ameris is doing and what the future holds for them.

For more infomation >> Travelers (TRV) Stock: Why Haven't Investors Caught On to This Company Yet? - Duration: 3:27.

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Prevent Sweaty Armpits with These 5 Natural Remedies|HFE♪ - Duration: 8:21.

Prevent Sweaty Armpits with These 5 Natural Remedies

Although lemon is a huge help for preventing your armpit area from sweating, make sure to avoid the sun as it can discolor skin.

Sweating is a normal body function.

However, it can be very uncomfortable for many people, especially if it means unpleasant odors, clothing stains, and sweaty armpits.

  Armpits are especially prone to sweating. They have a higher concentration of sweat glands in addition to bacteria and dead skin cells.

Sweating can bring about low self-esteem and stress because in social standards, it's viewed negatively in addition to being associated with poor hygiene habits.

Fortunately, there are many treatments available today that help control sweating.

These treatments don't only neutralize the unpleasant odor, but they also reduce the secretion of excess fluids.

Though commercial options are effective, there are 100% natural alternatives that provide similar effects without risking health by using chemical products.

In today's post, we'd like to share 5 great alternatives to try when you want to deal with this uncomfortable problem.

Keep on reading! 1.

Apple cider vinegar and lavender oil By combining apple cider vinegar with essential lavender oil, we can make an antiperspirant and antimicrobial that helps reduce excessive sweating in the armpit areas.

Ingredients ½ cup of apple cider vinegar (125 ml) 1 tablespoon of essential lavender oil (15 ml) Preparation Pour the apple cider vinegar into a container and mix it with the essential lavender oil.

Close the container and leave it to sit for 10 to 12 hours.

Application After 10 or 12 hours, dip a cotton ball into the mixture and apply it to armpits.

Use 2 times a day if you feel that's necessary Note: If you have sensitive skin, dilute the mixture slightly with water.    2.

Baking soda and lemon oil Because baking soda can neutralize acids, it forms the base of a wide variety of natural treatments. We suggest mixing baking soda with lemon oil to strengthen its antiperspirant power.

Ingredients 2 tablespoons of baking soda (30 g) 1 teaspoon of lemon oil (5 ml) Preparation Mix the baking soda and lemon oil together in a bowl.

Application Clean armpits and gently massage the mixture into the areas.

Leave on for 20 minutes and wash off using a damp cloth.

Use daily.

Note: This remedy is great for reducing dark spots and dead skin cells.  3.

Sea salt and lemon juice Sea salt's exfoliating action unites with lemon's organic acids to give us a solution for sweaty armpits, odor and dead skin cell build-up in the armpit zones.

Ingredients 2 tablespoons of sea salt (30 g) 3 tablespoons of lemon juice (45 ml) Preparation Mix the sea salt with the lemon juice to make a grainy paste.

Application Gently massage the mixture into the armpit area for 2 or 3 minutes.

Leave on for 10 more minutes and wash off.

Use daily.

Note: Avoid sunlight when using this remedy to prevent undesirable coloration.  4.

Cornstarch and baking soda A dry deodorant that uses cornstarch and baking soda can help keep armpits free of humidity and bacteria.

In addition, the formula is gentle and helps regulate skin pH.

Ingredients 2 tablespoons of cornstarch (30 g) 1 tablespoon of baking soda (9 g) 2 tablespoons of organic coconut oil (30 g) Preparation Mix all the ingredients together in a bowl until a homogeneous paste forms.

Application Rub the treatment into armpits and leave on for 30 minutes.

Wash off with damp cloth.

Use 2 times a day if you need.

We recommend that you read: Discover the Benefits of Baking Soda Mixed with Honey 5.

Sage and tomato This antiperspirant tonic makes for a great alternative solution for excessive sweating that causes body odor.

In addition to solving the problem, as it cleanses skin, it won't leave the area too dry, imparting a refreshing feeling.

Ingredients 6 fresh sage leaves 1 ripe tomato Preparation Finely chop sage leaves and leave them on a cloth to extract their liquid.

Blend in a food processor along with the ripe tomato.

Application Rub the paste into armpit areas and leave on for 20 minutes.

Wash off with cold water.

Use at least 3 times a week.

Are you still suffering from excessive sweating? Try out some of our home remedies and discover how you can control the situation by natural means.

For more infomation >> Prevent Sweaty Armpits with These 5 Natural Remedies|HFE♪ - Duration: 8:21.

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Biden Flubs Big Opening in Florida, Thinks He's in City Halfway Across the State - Duration: 2:08.

For more infomation >> Biden Flubs Big Opening in Florida, Thinks He's in City Halfway Across the State - Duration: 2:08.

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Ellison Dives in Polls as Female Abuse Allegations Cause Campaign to Crater - Duration: 3:03.

For more infomation >> Ellison Dives in Polls as Female Abuse Allegations Cause Campaign to Crater - Duration: 3:03.

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Trump Shuts Down Acosta After He Refuses to Play 2nd Fiddle at News Briefing - Duration: 3:00.

For more infomation >> Trump Shuts Down Acosta After He Refuses to Play 2nd Fiddle at News Briefing - Duration: 3:00.

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US Military Newspaper Reports on Dems' Alarming Plans for Military if They Win - Duration: 3:57.

For more infomation >> US Military Newspaper Reports on Dems' Alarming Plans for Military if They Win - Duration: 3:57.

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My (Simple) 5 Step Process for Creating New Video Marketing Content - Duration: 6:27.

now what I say the word process what do you think of I think of bureaucracy in

very big companies I think of bosses telling in a douche their way and not

your way I think of TPS reports from office space these are all horrible

horrific things and this is when a process it's just no good however I

found that a very thoughtful process for doing things that require creativity can

actually help with getting you into that great creative flow this is why whenever

I create videos I go through this five-step process and it really helps me

deliver the best content I can possibly create here's that process hey there add

a little tip from viewership comm where I help you exponentially grow your

viewership so you can grow your business and this is really just my five-step

process for creating videos just like this and before I go into these five

steps I just want to say that I actually do these five things in five distinct

settings I like to have like one specific morning where I do the first

step and then maybe the afternoon I'll do the second step and then maybe a

couple days later I'll do step number three I don't want to rush these things

I quite frankly each one of these steps require a different mood like I need to

be in a different frame of mind so don't force yourself to do all this in one

sitting so here they are step number one is researching topics basically what are

you creating your videos about the move that you're gonna be in is just kind of

a curious mood this is really where you're gonna be creeping the internet on

what topics are already resonating with your existing audience like I always say

create content that your audience wants to hear about not what you want to

create for them so spend a lot of time researching topics use keyword planner

tool Google's keyword planner tool use all the tools at your disposal look at

your competitors YouTube channels or their LinkedIn pages to see what content

is clearly hitting home and then see where you can actually make even better

content than what they're creating and most importantly make sure that you're

solving a problem YouTube conducted a study recently they

called it the values of YouTube and what they found is that seven out of ten

people use the platform to basically solve a problem that they're having so

if you can create amazing videos that are actively solving a

problem that your prospects your customers are going through right now

you're gonna have to crush on YouTube simple as that

number to create a very basic outline of your videos this is where you're gonna

basically test your knowledge you're going to solve the problem that you've

already discovered that your prospects are having this is where I really like

to even go to like a coffee shop or even just go to a different room in my home

and just kind of sit down and brainstorm and write out some basic outlines I'll

usually do like a three-step system a five step system a seven step whatever

it is it just write that that outline of what it is that I would actually teach

to be able to solve that problem step number three is I have an outside

researcher add research to my outline I hire people to actually go through my

content and add in very useful studies useful information so that the content

is more dense and it gives it more credibility and by the way sometimes my

researcher will find information in my outline and she'll say now Adam sorry

that's actually not true anymore and because she's done this it's

actually setting me up to be even more credible in my field because I'm not

releasing outdated information I'm always completely up to date on what's

really happening in the marketplace and this is something all of you should be

thinking about when you're creating new content step number four is then

injecting emotion into the videos this is where you want to just get creative

you want to get into like a fun mood sometimes I'll put on like Michael

Jackson music again it's like a fun place move it and just like have some

fun with it and go through now the basic outline and all the research and just

think where can I add some funny moments where can I add you know kind of a story

about my life where I kind of struggled a little bit and just go through the

video and just insert a little bit of emotional component to the video this is

the part where people are really gonna connect you now for those of you who've

seen my sexy confidence videos you'll notice that I inject a lot of emotion to

those videos I'm usually like wearing a wig in some of the videos I'm usually

trying to use as much punching humor as I possibly can

sometimes as funny sometimes this is a really stupid but I do it anyways and at

first I used to struggle with this process it would make me so nervous

releasing this type of content but over time I realized that this is what people

relate to this is what people want to see they want fast paced they want funny

they want in trusting they want some that keeps their

attention and a lot of people miss this the step is injecting the emotions so if

you can do this you're gonna be so much further ahead than all of your

competition now finally number five is just go ahead

and shoot the videos now a few years ago I used to actually work with a

videographer we'd have a specific day where I'd shoot like 12 videos at a time

and we have to go there set up I'd have to bring like three different changes of

clothing to the studio and it'd be like a whole thing but ever since I built the

studio at my home this actually made this the video shooting process so much

better because I know this one thing when it comes to shooting video and that

is the better mood that I'm in the better the videos will be so sometimes

if I've had kind of like a rough day I've had a few rough emails I've had a

few rough client calls I'll put off my shoot to another day when I'm just

finally feeling really good I go to the gym I've been eating well I'm in like a

good just mental state that's when you want to shoot your videos and I really

encourage everyone who is shooting video to make sure you do when you're in that

fun playful mood right you want to have that kind of it's all about your mental

state and if your mental state is positive you're feeling good then your

videos are gonna be great you're gonna smile war you're gonna be more animated

you're gonna be more energetic so really think about that when you finally have

your shoot day make sure you're eating right sometimes you you might have a

specific day where you have to shoot video I understand not everyone has a

studio at their home but regardless make sure you eat well you go to the gym you

exercise you're feeling good and then go into it even listen to like fun music

get into that fun peak mental state your videos will be much better so there you

have it there's my five step process for shooting video I'd love to hear from all

of you what is your process are there any other components that you'd like to

add to this list please leave a comment right there below and also if you want

to learn more about how it is that you can grow your channel on YouTube to be

able to expand your business and really build that footprint online go and head

on over viewership comm and join that email list because we have a ton of

awesome goodies they can get every single week so thank you so much for

watching and I'll speak to you very soon bye bye

For more infomation >> My (Simple) 5 Step Process for Creating New Video Marketing Content - Duration: 6:27.

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Oil Truck Colouring Book Video, Car and Construction Vehicles Coloring Pages For Kids Learn Colors - Duration: 3:20.

Oil Truck

Colouring

Book Video