YT for next: Youtube daily Dec 27 2018

Anyone who's ever experienced the total loss of a vehicle understands how horrible that

entire experience can be.

Whether it's having to deal with the entire loss of your car or the hoops you have to

jump through with the insurance company, there is nothing pleasant, enjoyable about having

to file one of these total loss claims, but what makes it even worse?

And this is what we're finding out now, insurance companies have been working to undervalue

people's vehicles, specifically State Farm, in order to pay them less for their total

loss, which essentially leaves consumers without enough money to replace the vehicle.

Joining me now to talk about what's going on is Scott Hardy from topclassactions.com.

So Scott, we've got State Farm insurance.

We've got Mitchell International, Inc., tell us what those two companies are doing together

to help screw over American consumers.

It's a little bit shocking when you have a respected insurance company like State Farm

with independent agents all over the country.

Had a friend of mine that was actually an independent agent for State Farm and it gave

him his start as an entrepreneur.

And it's sad when you see these well respected companies allegedly colluding with, in this

case, Mitchell International, Inc. to drive down values for cars and so you go ahead and

get an accident, it's a total loss for your vehicle, you're a State Farm customer.

You call them up.

They say, all right, here's the value.

We've come at this by looking at all the numbers and we use Mitchell International that help

us come up with that number.

Here's your check.

And a lot of consumers just go man that seems low, but oh well.

When in fact they were significantly lower than respected sources like Kelley Blue Book

and they're trying to shave off hundreds if not thousands of dollars per car and per payment

that they're paying out to their customers.

And when you do that, thousands upon thousands of times, you save millions of dollars as

the insurer, but you have all these people out there that have their cars.

That was a total loss.

They might not even be able to pay for their auto loan they had when they've got that total

loss.

So it's a, it's a two edge sword.

One, people are not going to be able to get back into a similar car and two, if they're

paid back less than their car's worth specifically because of the collusion or the alleged collusion

between State Farm and Mitchell International.

You've got a major problem.

You might be left with no car and you may still have a car payment.

You know, it's funny you bring that up because that actually happened to me about, you know,

10, 12 years ago.

I had a car, I had it for about two years, was, you know, still three years left on my

payments for it.

I did not have State Farm at the time, but still worthwhile to tell the story because

I'm sure it's common to a lot of people who've been through this.

The apartment I was living in, the parking lot flooded one night after some really serious

rain, water to the top of the car.

And at that point, if the water goes over the Dash, they consider that a total loss.

So I wasn't in an accident, I didn't do anything wrong.

My car was parked, I was asleep.

I woke up, it's underwater.

Insurance company comes out, they do their adjustment.

Three days later they finally contact me and they say, you can come by our office, pick

up the check.

I pick up the check minus my $500 deductible.

I still had to make payments on the loan for a car that no longer existed for six months

because the check they gave me didn't even pay off the loan.

So I actually had to borrow my father's car for six months because I was still making

a payment.

Still had that loan, wasn't able to get a new car loan while still having the old one

as a single person.

It was insanity.

I mean it was absolutely crazy and to find out that State Farm, you know, again as you

pointed out, hugely respected, typically a pretty good insurance company, but that they're

actively doing this to people on purpose.

That is disgusting to me because I've been in that situation.

I know how awful it is and it is just devastating to find out that this company is intentionally

putting people through that.

Yeah, I mean you've got people that are living paycheck to paycheck and they're in the similar

situation as you were and they have this insurance.

They think that they're covered.

They think that well, that's why I have insurance, right?

I sign that check every single month, send it into my insurance company, so in case I

need it, they will take care of me.

They'll get me in a new car if there's a total accident, whether it's my fault or not, but

a lot of people are in the same shoes as you.

Not Their fault.

They get in an accident or there's a total loss for their car.

State Farm colludes with this valuation company, gives what could be a es valuation, undercuts

what you should be paid and people are sitting there stuck without a vehicle or making ghost

payments on a car that's no longer even there and you know that's just not right.

You know, you've got to go ahead and pay people what their car is worth or else you're going

to lose clients and you're going to lose customers.

And I can't see this playing well for State Farm as they go through the class action and

more discovery is made to see what kind of actual collusion took place between State

Farm and Mitchell International.

We'll have to see how this plays out.

You know, one of the things that, that really drives me crazy because I'm sitting here thinking

about it.

I think of, you know, Aaron Rodgers, doing his insurance commercials.

Peyton Manning, doing his insurance commercials and you know, Flo from Progressive and all

those, the fun just happy people.

Were insurance people, we love.

We're great.

We're funny.

Brad Paisley's here, we're singing songs.

But at the end of the day, that's the public face.

That's not what happens behind closed doors.

These companies are in business to make as much money as possible and if they pay out

your claim in full for every single person who makes a claim, they're not going to make

as much money.

And unfortunately that money that they want so badly, that's who they are.

They're not Aaron Rodgers and Peyton Manning and Brad Paisley.

They're corporate CEOs and shareholders who want to make sure that if we can get an extra

$200 from somebody by shorting them on their claim, then damn it, we're going to short

them $200 because we can split that amongst the 10 of us and hey, we each just got an

extra 20 bucks.

That's how petty some of these corporations are.

And that is the one of the biggest things we've learned through our years here at Ring

of Fire.

Seeing the documents, seeing how horrid these companies truly are.

They'll do anything quite literally for even just a dollar.

Right, I mean it's interesting when, I know you do a lot of work with Mike Papantonio,

and reading his books and his books are a great clue as to what actually happens with

these lawsuits because these fiction thrillers that are, here's a little spoiler alert for

viewers out there, are loosely based on things that actually happened.

You get a clue as to what's happening at these big corporations and the hard work that these

lawyers go through to try to get these guys and nail them.

And as you mentioned, once you go through the discovery process and you look at the

documents, you've got a lot of people that are, that have their heads down to try to

increase their profits by single percentage points, but it really hurts the consumer.

And you know, what's it worth?

Why do you need to make an extra million dollars when you have $100 million dollar profit already.

Help your customers, help your end users and you're going to do well.

Absolutely.

You know, it'd be great to see just maybe a few corporations in this country come out

and act and show us that they actually have a conscience and that they do care about American

consumers.

Unfortunately, as it stands right now, I haven't found that company yet, but if anyone believes

they may have been in this situation where a State Farm undervalued your vehicle after

a total loss, please do follow the link in the description of this video to topclassactions.com

for more information and while you're there, sign up for their newsletter so you can stay

up to date and informed on every issue that American consumers need to be aware of.

Scott Hardy from topclassactions.com.

Thank you very much for talking with us today.

Thanks for your time Farron, appreciate it.

For more infomation >> Insurance Company Busted Ripping Off Americans By Under-Valuing Their Claims - Duration: 8:52.

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M1 Finance - Earned Dividend vs Paid Dividends With Example! - Duration: 14:35.

hello everyone and thanks for tuning into the financial investor channel my

name is Brent and today we're gonna be going over m1 finance earn dividends

versus paid dividend so if you are brand new to the channel I do make stock

market personal finance - real estate investment videos every single week so

consider subscribing if you re reoccurring viewer and have not yet

subscribed hit it as well if you have any comments questions over personal

finance real estate stock market let me know in the comment section below and of

course that this video does help you out or you do enjoy hit that thumbs up

button below and let's go ahead and get into it so we're going to be covering

earn dividends vs. pay dividends within m1 finance so currently we have the Roth

IRA pulled up right now and we have the current earn dividends shown here at a

hundred and eighty eight dollars and 84 cents now what earn dividends are inside

m1 finance these are the dividends that you have earned while holding security

or the you know the stock or ETF through the ex-dividend date this is not the

total amount that you've yet been paid and in order to see how many dividends

you've actually earned you go ahead and just click on your portfolio here make

sure you're in this tab then here underneath the gain click on the arrow

and it will show you what your earned dividends are for your current period if

you've want to look at it over the last month you can see here that your earn

dividends will show up quite you know a little bit different here showing up as

twenty three dollars and sixty seven cents now if you're looking for your pay

dividends these show up a little bit different and these are actually

dividends you have been paid and have received in cash inside of your account

while holding the dividend through the ex-dividend haven't paid so these are

shown within your activity tab so select your activity here and currently I have

no pending activity but here towards the bottom you can see that we have

dividends by orders and sell orders so all we have to do here select it and

right here towards the bottom on the left hand side we can see dividend so we

select the dividends here and it drops down it shows us okay we were paid five

dollars and you sense from avery dennison

corporation two dollars and eight cents Stanley Black & Decker two dollars and

43 cents Kellogg's Corn company we have we were paid 51 cents so that's a total

they're a five dollars and two cents so these are paid dividends so now that we

kind of got you know what are earned dividends what are pay dividends I want

to get it I want to kind of do a combination of these in the video so

this video I won't be actually doing the pay dividends we're gonna try and do an

experiment to show the earn dividend so currently in my portfolio I hold a

number of stocks now within these stocks I currently have these sorted by which

stocks are going ex-dividend in November so Stanley Black & Decker kimberly-clark

Essex Property Trust WP Carey Cardinal Health digital Realty Trust ultra group

and Avery Dennison Corp are going ex-dividend in December so I already

pulled them up here on in the order that they went ex-dividend so take your

sample ABY went ex-dividend on the fourth of December and it's payable on

the 19th so here if we look our activity tab this should have been something that

we were paid we saw that here two dollars in eight cents so I kind of go

back over here and I can see okay here this one was supposed to pay me roughly

two dollars and eight cents every quarter or yeah that so that's showing

correct so I was paid two dollars and eight cents and that's what I was

expecting here so this stock went ex-dividend and paid out kimberly-clark

here went ex-dividend on the 60 December is expected to pay out on the third I

haven't quite earned that one yet so that one is coming up here on the first

week here first week of January I should be paid out that dividend now ticker

symbol DLR this is the digital which or dlg digital Realty Trust this one went

ex-dividend on the 13th of December its pal date is not for a while it's not

till the 15th of January that would put it at what PLR I don't maybe I don't

have that one in here it should be either the second or third week

with in January there and then we have Altria so Altria is the one we're going

to be doing and using in this experiment so it's ex-dividend date is only 24th of

December 2018 which is currently today you know it's 1246 in the morning right

now the markets have not yet open but today we're gonna be capturing the

ex-dividend so currently m1 finance shows us as having right now because the

markets haven't opened up for showing a hundred and eighty eight dollars and 84

cents so when the markets open and m1 finance recognizes that I have earned

this dividend coming up it should increase my earn dividends by that's the

ultra here it should be paying me out roughly four dollars and 56 cents now I

may have bought some additional shares sometime in December but I don't believe

I've been buying up in the ultra right now in the in December so I should be up

four dollars and 56 cents when this goes ex-dividend and that will of qualified

they're classified as an earned dividend with an m1 finance now I do have a few

other stocks here that are still going ex-dividend we have WP carry which is

going ex-dividend on 28th we have Cardinal Health which is going

ex-dividend on the 31st and we have SX Property Trust which is also going

ex-dividend on the 31st here so we are going to be looking and using ultra here

in our example so when I come back and take a look at this here on Monday we're

gonna take a look here and this should of jumped as an earn dividend to roughly

a hundred and ninety four dollars and

one hundred and ninety five dollars and thirty some cents so somewhere in that

range is where we should now be sitting at still gonna go ahead and stop the

video all I'm gonna pause it real quick and then we're gonna jump into the next

day okay and we're back now we already discussed in the earlier video that we

can see that these dividends here these are considered pay dividends now in our

example we wanted to use ticker symbol mo because this was going

dividend on the 24th and it has clearly passed the 24th of December 2018 so our

portfolio in the earlier video was earn dividends was a hundred and eighty eight

dollars and eighty four cents if we go here and take a look at our earn

dividends now we are sitting at a hundred let me go ahead and move this

part out of the way and open up my handy-dandy calculator we're now sitting

at a hundred and ninety-three dollars and forty cents that's how many

dividends we have earned we have not been paid out those earn dividends yet

well portion of them so one ninety three forty subtract and we're taking out what

we were at just earlier in this video of a hundred eighty eighty-eight dollars in

eighty four cents and that is a difference there of four dollars and 56

cents now what happened here on Monday we went ex-dividend on our trip if we

take a look at our spreadsheet here and take a look at Altria for the shares

that we earned or that we owned we should have been paid or know we should

have earned four dollars and 56 cents on the ex-dividend date of the 24th of

December 2012 so m1 finance while holding ticker symbol mo has earned me

that additional four dollars and 56 cents but it has not been paid here in

my activity I have not been paid any dividends it will not be paid right now

until the 10th of January 2019 that is when this cash will show up as an

activity within my portfolio currently I am not showing any sort of activity for

ultra but it is considered an earned dividend showing as an increase there of

four dollars and 56 cents which we have predicted here using our spreadsheet now

Altria on the 10th of January this will appear here as cash of four dollars and

56 cents that I am able to reinvest partial shares here on m1 finance and my

portfolio took a nice dip here going down from a negative of twelve point to

six percent earlier in the video - now a negative of 17.4% and my capital

gains here big whoop were at negative 789 and 27 cents so now

I am down one thousand one hundred and thirty one dollars and six cents but I

don't need this capital right now I am investing for dividend income guess what

happens here in 2019 so earlier when I started this portfolio with just fifty

five hundred dollars those fifty five hundred dollars were making me a hundred

and seventy nine dollars and twenty three cents now guess what for this year

in 2018 I have spread out fifty five hundred

dollars between January 2018 and December 2018 I'm about to finish up my

last deposit of three thousand thirty dollars on Monday of next week

now that all officially be my five thousand five hundred dollars of

contributions but here we can see that this year in 2018 we were a negative a

lot of the year you know our part our portfolio was in the negative but if we

took a hundred and seventy nine dollars and twenty three cents and say that's

what $5,500 badhas $5,500 bought us a hundred and seventy nine dollars worth

of work workers you know for every couple hundred dollars that we deposited

our portfolio was generated a hundred and seventy nine dollars and 23 cents

but if we multiply this by two which would be the equivalent of put in

another $5,500 to work for us our total for eleven thousand dollars of capital

working for us in the market would be three hundred and fifty eight dollars

and forty six cents if I had just put in eleven thousand dollars at the very

beginning of 2018 instead I spread out that additional

$5,500 over a 12-month period and now my annual income currently as of 1 December

2018 was three hundred and sixty eight dollars and forty six cents so my

dividends my contributions in 2018 even though it was spread out week after week

after week I put in an additional income I actually came out with my annual

income being higher now than if I had just deposited the full fifth

five or eleven thousand dollars in early January 2018 so now starting in 2018 I'm

going to be starting with an annual income for 2019 of roughly 370 380

dollars that's going to be buying me back more shares at a hugely discounted

price these dividends that are going to be paying out and being reinvested into

my portfolio they're going to be able to buy back at much higher yields that's

going to allow my workers to work even harder for me so instead of earning

three hundred and sixty dollars or multiplying this by you know what was

the initial port here one hundred and seventy nine dollars and three cents

instead of that multiplying flips 179 whoops 179 0.23

instead of molten this by three so by the end of 2019 my portfolio will Jenner

be generating somewhere between say 550 to 600 and plus more dollars of just

straight dividends so the way that this portfolio is designed it doesn't matter

what happens to the equity you know equity is one thing but you can't live

off your equity if you're holding Amazon Facebook Tesla you can't live off your

equity unless you sell but guess what every month my portfolio generates

roughly $20 of dividends and that's going to continue to compound month

after month after month as these dividends are buying back more shares at

a discount as these companies are continuing to raise their dividend as

they have for the past several years here Lowe's ABM IV have grown and paid

out and raised their dividend for years you know years after year after year

continuously raising their dividend continuing to pay out a dividend and

it's going to compound much faster here as I'm buying into 52 we close as I am

buying into 52 week high so that is it for this video guys we have talked about

earn dividends versus pay dividends we've gone over paid dividends showing

up in your activity and earn dividends showing up here underneath the gained I

do have a website here a post that I've actually created going over the exact

same things earn dividends versus paid evidence hey well

in the description below and also in the comment section if you guys want to just

go ahead and take a look at that give it a thumbs up and of course if you did

like this video hit that thumbs up button below subscribe to my channel if

you have not yet subscribed and of course if you have any questions about

this video leave me a comment below whether it's about this video personal

finance real estate stock market let me know in the comment section below are

you worried about the stock market crash I am NOT my dividends are going to be

buying back more shares that this at these discounted prices I've already

paid for of these workers my dividends here that are buying me back and paying

out more dividends but I'm getting a much better value on the on the stock

market and all my stocks here that I'm purchasing back at these lows so I'm all

for it and stock market discontinued to go further that just allows me to buy

back more stock that's going to continue to raise out their dividend and pay me

more in the future so thank you all for tuning in I will see you next time have

a great day bye

For more infomation >> M1 Finance - Earned Dividend vs Paid Dividends With Example! - Duration: 14:35.

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Dog Is A Bully To A Much Bigger Dog | Kritter Klub - Duration: 3:04.

The big one is 6 years old, and the small one is 6 months old

The bully, Mandoo (6 months old) & the one always getting bullied, Oliver (6 years old)

(Mandoo) likes biting and chewing everything

I'm bored

Imma bite you!

Bruh..

I said STOP!

Doesn't know when to quit

Mandoo, stop! no!

Come here! Stop it

Stop bullying Oliver!

Mandoo, are you sleeping?

It's always bothering Oliver

Dog can't catch a break..

Literally

Leave me alone!

WOKE (I was pretending to sleep before)

Yeah I know..

A love-hate relationship?

Mandoo acting up as usual

Nope.. Not this time

I wanna be like that dog

This dog keeps Mandoo in check

Inspired much?

So Oliver fights back

Gets punched in the face

Walks away

Where do you think you're going?

Gets bullied again

Someone save this dog..

Mandoo thinks of Oliver as a toy

Since Mandoo is obsessed with Oliver

Mandoo needs to turn its attention to something else

Yeah please

So I was your toy

All along..

But I'm not.

Justice needs to be served!

Chillin' like a villain

Meets a dog worse than Mandoo

...

I'll make sure that Mandoo plays with other puppies

And treat Oliver with more care

For more infomation >> Dog Is A Bully To A Much Bigger Dog | Kritter Klub - Duration: 3:04.

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MyWaste App - Duration: 1:26.

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