so many people don't have this financial education right when I was growing up
the only way that I could think of money was cash right and I would hear about
Bill Gates and you know how he has like 50 60 billion back then I was thinking
oh this guy must have so much money into the bank right into public savings
account or I don't know where does he hold so much money but the problem is
that all of the richest people they most of them they don't have cash right they
probably have around 0.5% of their wealth into cash and why is that because
cash is a very very bad way to hold your money right so how do these people get
so rich and how do they keep their wealth and how over time they get
wealthier and wealthier now that happens is because the biggest part of their net
worth comes from shares and equity in companies and real estate and that's the
truth let's look at Wikipedia the world's billionaires index and for 2018
right we have Jeff Bezos at one hundred and twelve billion dollars right but
source of wealth is Amazon right and how does that happen well he has a big
percentage of the shares of Amazon and Jeff Bezos last year was on third place
and had seventy two point eight billion and we can see that for a year from
seventy two he has gone up to hunt one hundred and twelve and the way that
happens is because when we look at the Amazon stock price in one year it has
gone up 96 percent and of course since he is invested into Amazon his net worth
skyrockets so that's how all the richest people's held their money right and we
can see Bill Gates source of wealth Microsoft Warren Buffett Berkshire
Hathaway but not all nodes LVMH which is basically a lot of brands
including rivet on Mark Zuckerberg Facebook
Amancio tag Zehra and so on and so forth so why is
investing and having equity so important because if the alternatives are really
bad right what are the main two alternatives cash and charging your
money into a savings account into a bank so first I want to discuss cash and why
holding cash is actually quite bad because cash by design is inflationary
object cash is made so that there is inflation and then there is amazing
video by the amazing vitaly oh that explains how economy works in about 30
minutes it's very easy to understand it's brilliant I'll put a link into the
description of this video and you can go watch it and understand how economy
works so you know in order for economy to grow you need inflation and when the
inflation is controlled is actually very good and I'm gonna read a bit about that
what's behind inflation that's on investopedia inflation comes about this
demand for goods and services grows in an economy as the money supply in the
economy Rises there is likely to be more demand from customers looking to buy
various goods the rising demand creates a pressure on prices and a rise as more
people are willing to pay for these Goods sales hiked up their prices
another situation that could lead to inflation is when there is an increase
in the cost of production so overall growing economy having more
money means that there is inflation but let's look at the effect of inflation
let's say you have $100 into a savings account that pays a 1% interest rate
after a year you have 101 dollars into your account during this period if
inflation runs 2% you would have to have 102 dollars to make up the impact of the
higher prices since you have 101 though that means that you have actually lost
1% of your purchasing power which means that if you hold cash you are vulnerable
to inflation if hold cash overtime even though that the
number of how much money you have doesn't change your actual buying power
decreases over time you lose your buying power another thing that's very
important about cash is that you are subjected to swings into the price
compared to other currencies because when you have cash you probably have
mainly one currency let's look at the pound against the door into a period of
what four years the pound has lost over twenty four even over twenty five
percent of its value which means that people that had thousands of pounds you
know back in 2014 now even though this you have these thousand pounds they're
buying power against the door is 25 percent lower in the same time remember
that inflation is also compounding it around one to two percent per year which
means that these thousand pounds if they want to buy something from America now
can buy them probably somewhere around thirty five to forty percent less than
what they could buy just four years ago so they these people lost more than 30%
of their buying power in a short span of four or four years so in short if you're
holding cash over time you are losing buying power because of inflation and
compound it with that you lose power because it's very probable that your
currency might lose value against other currencies
what about savings accounts right this is the second option which a lot of
people go about and you know this was my mindset in the problem with that and why
this video is so important is because if you don't have someone that's you know
doing finance or business or entrepreneur into your family around you
it's very hard to get out of this mine said I didn't talk anything about net
worth about shares about equity you know how inflation affects you and
you know how you can make use of that then turn your money to work for you
instead of you losing your bank power the second thing that gets so many
people is savings accounts and we know that banks these some of the highest
rates of savings account received around 1.8 percent per year but if we look at
the actual inflation per year we can see that in u.s. it is between 2 to 2.8
percent in the last two three years which means that if you hold your money
into a savings account used you lose buying power because of inflation the
second thing is you still subjected to swings into currencies and the third
thing is most banks will not let you actually withdraw money or you know
handle your money which means that you don't even have access you know to your
own funds let's talk about why investing is so good so this is a chart of the S&P
500 index which basically tracks the 500 biggest companies in u.s. which are
basically some of the biggest companies in the world overall which means that it
is a quite good indicator what the stock market overall is doing so we can see
here I've opened the all-time chart of the S&P 500 and what we could observe is
that at any period over 15 years the stock market is higher than where it was
before that and into a very big percentage of the time in every period
of 5 to 10 years the stock market is high and it was and you know we can
follow that from 1950 to 2018 if you invest into the S&P 500 which means that
it's super simple right you invest into index you don't have to choose companies
don't implant the stand companies you just invest into the economy right
because these basically tracks the economy if you invest introduced the
economy into an index let's see what happens so if I opened here a kind of
reverse compound calculator and here have calculated the interest rate that
you would gain if you get invested in s AP 500 back in 1950 when it began so I
want to see how much on all the data that we have over time how much is the
interest rate and we can see that back in from 1950 basis the ACP started at
around sixteen point nine and now in 2018 it is a two thousand eight hundred
fifty this is sixty eight point six years and
we are calculating the annual interest rate and we can see that we get an
annual appreciation of seven point seven six percent seven point seven six
percent with inflation we said at around two percent at the moment right so okay
but let's look at some more interesting stuff okay let's look at if you invested
exactly at the best possible time at the downturn in through the 2008 crisis if
we look at this back in 2008 GAAP was around 683 and now as we said this at
two thousand eight hundred fifty and that's it into a time frame of nine and
a half years we can see that this is again of sixteen point three percent per
year with a savings account giving you one point eight and with cash giving you
zero right so we can see the difference and you would say yes but nobody can
time the market right that's what you say all the time like you know nobody
can invest the best time and I say okay let's look what if you invest at the
worst time okay if you invested exactly at the top before the crisis and you
never sold stayed invested into the index let's see what happens
okay the peak here before the crisis is around 1550 60 and as we said now we had
two thousand eight hundred fifty and that's almost eleven years what we get
is again if we invested at the worst time in the last ten years you still get
five point seven compounded interest rate per year five point seven which
means that you cover your inflation rate in you still get three point seven
percent gain of buying power per year what is even better is that stocks have
something called dividend yield which means that stocks give you back money
just to hold them and on average the SI p 500 companies which is what you'll be
invested in you have a dividend yield as we see in the last twenty years around
two percent over all over time it's been actually much higher but let's take the
last two percent which means that on top of this five point seven percent
compound interest rate when you put two percent up you get seven point seven
right this is the worst time if we to which we take the seven point seven
percent which is on the all-time average interest rate and you put 2% that's nine
point seven percent historically on average you would get as a game if we
invested just into basically the economic of United States and here I
have opened a very simple compound interest calculator
and what if you started right now with zero dollars you get your nine point
seven percent annual rate because you invest in the S&P 500 use a new safe
five hundred dollars per month for 30 years and the numbers that we get
actually really really interesting into the first ten years starting from zero
in investing into the SA P 500 you have $100,000 in 20 years you have
$368 and into 30 years you have over a million safe that's how all the rich
people have money that's how they become richer and that's why over time the
richer become richer because they invest their money they don't call them cash
they don't spend them on stupid stuff that loses value they invest them thank
you for listening I hope you enjoyed this video comment on anything you want
to down into the comments and also consider checking out my patreon page
which is on patreon.com slash in travursel where you can support the
channel so I can create more and also access quite interesting content about
investing technology mindset and anything else thank you for listening
see you next time
For more infomation >> How The RICH Make MONEY & How To Build WEALTH. Can You Become A Millionaire With $500/Month? - Duration: 14:25.-------------------------------------------
Why You Should Choose a UL Listed Type 1 Baffle Grease Hood Filter - Duration: 1:24.
When choosing a hood filter there are several things you want to consider before picking out what's going to work for you.
However, the most important aspect of a filter is that it's actually UL listed. According to fire code
it has to be UL listed meaning it's been tested to do it what it's actually supposed to do and
most likely your insurance policy is going to require that you use UL listed filters as they usually follow fire code.
This is a filter that's very common. It's very inexpensive.
It's a good looking filter. It's stainless steel which is which is ideal
However, it is not UL listed and therefore will not meet fire code or insurance requirements.
One of the easiest ways to identify
one of these filters is it has a flat baffle as opposed to a rounded and if you look on the frame on the edge
you will not find that UL logo that we've seen on all the products from plumbing to electric.
What you want to make sure and get is a filter that looks more like this.
This is a Kleen Gard UL listed stainless steel filter and the way you can identify this it has a
rounded baffle and it's actually more efficient that way as well.
But again, it's UL listed and it's going to meet all fire code and insurance requirements.
-------------------------------------------
First Alert Weather - Duration: 2:40.
For more infomation >> First Alert Weather - Duration: 2:40. -------------------------------------------
Sad Whatsapp Status Video - Love Breakup Status - New WhatsApp Status 2018 - Duration: 2:30.
New sad whatsapp status
-------------------------------------------
Write a book and publish it 📖🔥 - Duration: 2:40.
Hello, Elites! I'm Lenus and this is a new course.
In this course we'll learn to write and publish our first book using free tools.
I was developing this course at the same time that
I was writing and publishing one of my latest books.
So, you're going to see all the problems that I faced and how I solved those problems
so that you too can have that perspective of everything I did
for everything that I went through
so that you too can overcome it and also have the same result as me
which is to have my own book published on platforms such as Amazon, Barnes & Noble, Kobo, Apple Books,
Scribd, and many other platforms.
And all of that I'm going to teach you here.
If you are ready to publish your first book then what are you waiting for?
Let's start at once with this course.
And to start taking the course, there are two options available.
The first one is called Udemy.
Where you simply have to go to [lenus.me/ulibro] or just click here.
Now, on the Udemy page you can see all the information of the course,
when you sign up, you get a discount like 60 or 70% so you can buy the course
you can also see all available classes and you can take for free the first 6 classes
so you can see if it's worth it or not, I recommend that too.
The second option is called Skillshare.
And to start you can go directly to the site [lenus.me/slibro] or by clicking here.
The benefit or difference that there are with Skillshare and Udemy
is that in Udemy you buy the course but with Skillshare you pay a subscription
that monthly is $15 dollars
although if you pay all year round, it costs you just 8 dollars a month.
Although with the link that I'm going to share, actually, that I already shared with you
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that are available on Skillshare, including mine.
So, take advantage of that link to have 2 months free of Premium Membership
I recommend it for you to enter and take advantage
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To conclude, click on this video that I chose especially for you according to your interests
I also recommend you to click on this playlist called business development so you can see other videos
and recommendations that also they will be very useful for you
and also click on the channel icon to subscribe and activate the bell.
Finally, don't forget to take care of your health and to subscribe.
See you in the next video.
Tschüss!
-------------------------------------------
The History of Fornost - LOTR History and Lore - Duration: 5:42.
Greetings everyone. How is it going? Welcome to the history of Fornost. I'm really excited to be doing this
So let's get right into it. So Fornost was founded in in the year
3320 of the Second Age now, it was a military fortress built in a strategic position
between the North Downs and the
Weather Hills now it was built to guard this gap which was in between these two places against incursions by
Rhudaur and/or Angmar now Angmar which is going to be very important to the history of
Fornost, and we're gonna talk about that in just a little bit, but they were a kingdom from the north led by the Witch-king
now Fornost was the capital city of the
Dúnedain kingdom of Arthedain and possibly the capital of the kingdom of Arnor now the kingdom of
Arnor came first, but after King Eärendur's death the
Kingdom of Arnor was split into three kingdoms Arthedain, Cardolan,
and Rhudaur, now Fornost remained an important city as a capital of Arthedain after.
Fornost was probably the capital of Arnor but this isn't like
specified 100 percent but it was a very big city. It was very important
So it probably was
now in the third in
1974 of the Third Age the Witch-king of Angmar
Led his forces to invade these three kingdoms of Arnor
Now a long story short, it didn't really go well for Arthedain or the two other kingdoms
Now the Witch-king was ruthless and he actually even used the Dúnedain dead in the war now
what he did is he went to the Barrow Downs, and he actually raised the the
Dúnedain dead to join his army
Which would not only lower the morale of the Dúnedain fighting him
But would also bolster his own forces, which was very smart
but obviously very ruthless now the last king of Arthedian Arvedui, or
Arvedui,
didn't give up without a fight and actually
resisted for a time after the two other kingdoms fell so Arthedain was the last to survive
now
he held at the
North Downs, however
he eventually just couldn't keep fighting and he fled into the
northern wastes and was lost in the Ice-Bay of Forochel
Now Fornost was the last city of the once great kingdom of Arthedain and Arnor
So if the Witch-king was able to conquer this, he would have effectively won the war which he did
after last King
Arvedui died the Witch-king occupied Fornost and began to populate it with evil folk most likely those of his army
It didn't last for more than a year and Gondor led by Eärnur comes to Fornost
rescue in the next year with allies from Lindon, Rivendell, and the former territories of Arnor
Now the the Witch-king was defeated, his army destroyed. However, he
escaped as he did appear in The Lord of the Rings films
so even though the force the
forces of Angmar were pushed back the Dúnedain population was decimated and it was and they were too few to
Rebuild the once great during Dúnedain people
however
Fornost
wasn't completely destroyed. It wasn't burned to the ground. It became a ruin and it was not resettled
Yeah, and it gradually fell in
into ruin, however, the Dúnedain kept going and they became known as the
Rangers and were wandering Guardians and Aragorn was one of them and he obviously held the blood of the
thought
broken kings of
Gondor so very important and a cool fact is that the Dúnedain were descended from the
Númenóreans, which were the greatest
race of men in
Middle-Earth
so only the Dúnedain would a visit Fornost
But most others steered clear as it became known as the Deadmen's Dike and many believed it was haunted
Fornost's History
does not end actually there, it was rebuilt in the fourth age after the War of the Rings which is the
Which is the events that take place in the Lord of the Rings
So yeah, it was rebuilt in the fourth age by King Elessar
so that brings us to the end of the history of Fornost and the great thing about this is that
The story doesn't have to end there you can take it in whichever way you want
Does it become the capital of great Kingdom once again, or does it become abandoned?
It's all up to you, but I really enjoyed
Making this video. Thank you so much for watching guys
let me know down below what you guys think about this great city and just about the
Lord of the Rings world in general, but yeah, thank you so much for watching guys
Feel free to subscribe and hop on our discord. Lots of great people over there having some good
Conversations. But yeah, I will see you guys soon. Thank you so much for watching
You
-------------------------------------------
Vines That Keep Me Alive Reaction - Duration: 13:38.
Drop like on this video if you guys enjoyed
Comment down below your thoughts in your opinions about the video. Make sure to subscribe
With host indications on so you stay down fight on every single video also follow my social media
So they tuned for updates for incoming videos. Thank you
What's up guys still crabs here welcome back to another reaction so we'll be reacting to
Vine stat keep me alive
so I
Hope the guys enjoyed the video drop a like if guys did calm down below your
thoughts in your opinions about this video and
my reaction
So, yeah
make sure to LIKE comment subscribe turn oppose communications and let's begin 3 2 1
Let's go
No man funny already
Yes
Yeah
Get to Del Taco they got a new thing called for Joffrey shabak ado I
Got no the Grinch
Thank you, thank you murder Judith no
I'm Liberian Oh
Could be next
Oh
God Rana McDonald's is taking over the world
There is only one thing
Boom a child no, oh my god
This is why mom doesn't like you
Oh
No way ABC 7 would you not eat my pants? Oh
My god
That's actually my shirt so two
Three four how many are in my story? No yours nearly
Haha. Hey, it's your boy
Skin event and one two
You stop dropping that okay, sweetie, I
Love that
Oh
I thought she was gonna slip. Oh my god. I don't know what's worse than that, but whatever
That's a salvage key right there man
Be honest that looks kind of fun
Why does she scream like that
Okay
It seems like you just activated the bomb
Or the grenade, oh my god seems like that he got
Going on
Okay
Maybe
Oh my god, no way no way. Oh my god. I cannot imagine that
What road range with the dog man I could imagine that in so many ways oh
My god, oh my shoulders I spelled lipstick in your Valentino bag
Did you like after that like every kind of day
Is that actually a feature that
I saw this I saw oh god. I can't stop looking at that
Isis
Are you a smoke detector? That's what I thought shut up
God for some reason I scared me and Oh
Oh no, oh my god
Oh my god, that's so annoying
When your pizza rolls are done
Oh
Man
So all that guys, I hope the guys didn't enjoy
This was quite funny in so many ways
And it lacked it was funny and weird in so many ways, I can't even describe it it was
Really weird and slightly funny, so I still enjoyed. Anyway, hope you guys did enjoy my reaction in the original video
Itself as well. So well that guys make sure to LIKE comment
But down below subscribe to the channel and turn opalsen occasions other than guys
I hope you guys enjoy and I will see you guys in the next video. Goodbye, everyone
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