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Learning From Failure | Sara McMann
(upbeat music) - What’s up everybody.
00:08 - And welcome to this episode of our “Athlete Interview” series presented by USANA.
00:13 - I’m your host, Jason Nacey. And today we’re chatting with the one and only Sara McMann.
00:20 - She’s an Olympic silver medalist in the sport of wrestling and she’s also currently ranked in the top 10 as an MMA fighter in the UFC.
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Diana Initiative 2021-Christina Johns-Work SMTer Not Harder - Concolic Execution for CTF
Work SMTer Not Harder Concolic Execution for CTF Christina Johns SAMAN: Hi, everyone! Appreciate it.
00:24 - And we’ll be having another session with another speaker today.
00:27 - So, thanks to the previous speaker. And first of all, going to the speaker track, I just wanted to thank our track sponsors.
00:36 - That is iNE eLearn Security, Axonius, MongoDB, Juniper Networks, Corelight, Google, We Hack Purple and BridgeCrew by Prisma Cloud.
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Diana Initiative 2021-Cassandra Brunetto-Vulnerabilities from Venus, Management from Mars: How to...
Vulnerabilities from Venus, Management from Mars: How to Navigate the Unknown Cassandra Brunetto CHERYL: Cassie Brunetto is our next speaker, great experience in terms of IT, risk and compliance and building security programs.
00:32 - She’s also the founder of Gatebreachers this talk is managing success with programs.
00:48 - And then some question and answer afterwards.
00:51 - so, please put your questions in the talk. And a word of praise and thank you to our very generous sponsors.
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Diana Initiative 2021-Archana Puri-Security Dilemma: When Migrating to Cloud
Security Dilemma: When Migrating to Cloud Archana Puri KAT: All right! Welcome to our next talk.
00:23 - INE learning security, action axe, MongoDB, Juniper, of course.
00:30 - Corelight. Google. We Hack Purple.
00:33 - I love it. And BridgeCrew. We have a great talk coming up.
00:39 - With a great speaker. Archana, I’m very excited to hear about the security dilemma when migrating to the cloud.
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Diana Initiative 2021-Rachael Cornejo & Lili Siri Spira-Beyond Burnout: Hacking Your Way to a ...
Beyond Burnout: Hacking Your Way to a Healthier Work Life Balance Rachel Conejo and Lili Siri Spira MEGAN: Good afternoon.
00:27 - My name is Megan Guth and I’m featuring rated R cofounders Lili Siri Spira and Rachel Conejo.
00:30 - I would like to thank our sponsors for making this event possible and don’t forget to visit the expo hall where the sponsors are.
00:37 - There’s contests and swag and community organizations to.
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Getting started with deep learning
Hello and welcome to this Australian BioCommons webinar on getting started with deep learning. My name is Melissa Burke and I’m the Australian BioCommons Training and Communications Officer and I will also be your host for this webinar. This webinar is part of a series in which we aim to share useful information about the latest digital techniques data and tools for the life sciences community. Each month we hear from our national and international peers on a bioinformatics topic that we hope will help Australian researchers to achieve their best medical agricultural and environmental research.
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STUCK IN BETWEEN | 2021 MOVIES | NIGERIAN MOVIES 2021
oh foreign is my foreign be to foreign is i believe that we can still use our positions as members of this parish to manipulate things and get whatever we want to you see but why should they deny us membership of the knighthood where should surprise they can prepare himself to embrace my brother is requirements we could not even recite a permanent and when we are trying to to paint black and white this and that okay let me not pretend i did not hear you let me know let me just pretend we are not here cannot even lessen my own fear as a member i feel afraid yes yes what are you afraid of what i’m afraid of is right now that we’re having this little problem if we do not stop these people from reciting that that’s absolute does it give back what i’m telling you we need to let sabara help us if somebody is that strong let us about help us i don’t believe i know you agree why should you subscribe to these generated pessimisms this one is not the matter of this your big grammar as a what peace let me tell you let us tell these people because if we try to stop them they will open that speech and you as they give back you will drink that okay fresh just relax if you first didn’t hear me if you fell i never meant what i said let me say what i mean once again see very bro okay this land will bearing witness yes where are you you are they are praying for you every day nothing will happen to you you will go around and come back give me your hands in the name of the father another son one of the holy bad oh we should be destruction so i can see to replace the old priest parish priest he seems to be so powerful but that is his strength is not for the butterfly are you saying that he’s powerful than us far from that decrease in their breath as far as we have uh any further resistance by him will cost in his life not to worry see you at the party it’s okay it’s okay it’s okay why do you keep on encroaching on that land what gave me the impetus to interfere in my private office papa you’ve approached him and he told you that that’s the only family property he had um you are my father if i don’t tell you the truth who are you for goodness sake do not allow me to show you the other side of your father i’m sorry dad you should be don’t let me grow my tops it is us it is no peace all of you this morning because there is something very important i want you to understand the gilbert has approached me three times to send one to him i told him that i would not sell any land to him because that land belonged to the family the last time he met me he was eyeing me looking at me when i began to suspect him because that look was not an ordinary blue which means he has some evil mind for looking at me that way that is why i called all of you night the really narrated devotee you shouldn’t agreements into that listen i am no longer a child i know the difference between capital letter b and the footprint of a cow the way they get back looked at me that day it was not an ordinary root i’m telling you he is evil you will not understand and you cannot understand there’s nothing left to understand papa if you feel that this man is let me tell you something in this life look very well before you leave you know just because you want you you are strong let us fight and it may be dangerous um my son listen what i want to say now i’m referring to all of you anything i can see sitting down if you climb the tallest tree you can see it it is a peace syndrome that is causing problems for us in this family if you don’t restrict those that convert our backyard into a pathway it will never close it will never close listen my son it is only one who has lost knows the agonies of losing someone i don’t want to look for any of you not now that i’m still alive god forbid thank you for telling me oh save and done my children if anything should happen to me who is the gilbert responsible god nothing will happen to you um thank you father once again you are welcome to our parish these are the end of advanced council one of the further in this church yes my name like you is we are the papers and further please before i forget one of us is not around me um once again let me say thank you i welcome you all i am happy to be in this parish even though it is evidently clear that the task ahead is enormous but by the special grace of our jesus christ we shall overcome victory shall be ours the church must move forward thank you thank you thank you thank you father please before we forget uh the other party cooperated with us and we worked very hard very very fast when you talk about working harmoniously and working in cooperation i strongly believe that more is demanded from the parishioners especially you the parish councilwoman as for me you don’t have any doubt you are my god guy direct every of my activities in this parish let everyone fashion against me will come to sender the name of the most high have a father king of glory do not let me fall off thy hand father let everyone fashion against me return to sender name of the most high do not let me fall off thy hand father do not let my enemies triumph over me i take refuge in yourself he vehemently refused to send the land to me is it good no the man is wise the land is very close to where i want to be something and you’re telling me i should look for another life okay i told you okay okay now i understand this is that no no his yes your face is forgive me my memory followed me smokey would know your mind back to your hometown on your mouth since you have refused to say the land to me remember you shall die remember freddie it is now clear to me than this battle is not just against human beings powers of the dark world father i call upon thy name to help me and pull down every trying obstacles exalt themselves against that is trying to exalt themselves above your knowledge father let the heavenly host take every thought every negative thought and let them obey christ in the name of our lord jesus christ you all are aware of the problems we are facing in this parish the book of revelation made us know that every man is created to be hot or cold nobody is expected to be hot and cold at the same time the atrocities growing men in this church are getting out of hand because members of this church are the ones involved in this agreement i have imagined that the essence of this meeting is for me to share out the money so that we can buy good materials for the building of the church before the price will go up forever shut up and sit down shut up and sit down sit down watch me talk is it not another when i talk thus a human holy spirit um no matter the distraction nothing will make me not to do what i want to do nothing will distract me from what i am observing in this meeting better further for this the precious blood of jesus christ father do not allow my father and all the evil men in this community to go on foreign we fly to your protection for holy mother of god despite not our prayers in our necessity for deliverance from all dangers forever okay if you insist please if you go come back in time we have women meeting today i drinks while you are bitten by a snake snake yes oh yes i dreamt of similar something you had this similar dream not a similar dream and you still want to go to that farm a dream is a dream a dream is a figment of human’s imagination for your own understanding let me tell you sometimes they keep people in the dream and the person’s empty will be going up and down i’m telling you yes my house okay just doing that to your mother i thought you died you always bye oh is against the advice of if i may suggest you i’m just trying to save my mind if i may suggest why not give him a little time not to have everything you know as there is i am doing some thinking here and even me let me tell you when you think from thinking back imagine me meaning that this man might not just be as easy as you thinking wasting him you might not just be a trafficker jeff anyhow watch your utterances clear i’m pure let me tell you oh now we claimed just leave my house as a sacrifice and you shall be very very powerful now you are promoted to the next level hey i asked this guy to not go to the farm i should not have gone to the farmers she wouldn’t listen to me he wouldn’t listen i wanted my one game that is yes that’s my best friend what i told him i told him he wouldn’t listen hey foreign that is not good for you i thought you’re dead it is not necessarily so that is what they thought so you’ve come to stay with us i came with a message to you and your brother no native doctor no go into that farmland as for china she doesn’t support her father that girl is a very good girl go ahead with your marriage plans do you see just because there’s this our family land there’s a neighborhood was asked asking for but he said he won’t give him that so in my dream he came i saw in my dream we now said that we should not enter that man that would not enter that land unless we meet a very powerful native doctor because i am a christian i don’t want our family to have anything to do with it um they may is you know very very soon very soon mama will come out of harmony so it is very very important to raise money for the project we have at hand but uh remember past last injection for us not to enter into that land anymore oh i’ve met the reverend father concerning that before we go there all of us i mean the reverend father will go with us so that he will do a landed deliverance there if i would do anything yes okay hey see ya i am thinking yes to the ground if you want to do something a good man like you’re supposed to have license this man has a darkness with your common sense supposed to know that darkness has nothing in common what fake this smile is not the way as far as some concerns is yes grand master thank you from among the global girls yes my love my brother there’s something you need to understand violence begets violence if you look at these people i don’t think we’ll have that strength to acquire their forces seriously i’m tired of this whole thing every time peace peace peace do you know that in the same place syndrome that kid papa so you want all of us to remain like this and allow this evil man wipe us okay nah that is not what i meant please all we need to do now is to see the reverend father i know his words can help us spiritually and otherwise reverend father again i don’t understand you i was going nowhere where would you even especially tell us of god uh mary send yourself we have we don’t have any other thing you don’t have the strength you don’t have the power to face them if not to just leave everything to god everything to god uh father punish priests no you’re not even you will never understand never our father important over the present only science god that the appointed time has come father the pattern time has come father it is time for you to come and show us how great you are but i call upon you you are my anchor almighty and everlasting king of glory the mighty one in battle the time for you to show your power have finally come lord descend the power of the holy spirit oh lord let our presence come and overcome everything that that are the is are gathered but they are gathering to come against your faithfulness but that they are gathering to come against the church but they are gathering to come against the word of god but lord my god i know that thee is the most high that you are the power that is above every other power and therefore lord let any other power that rises about your power father assume befitted the prophets of bow let that same faith be achieved today father protect me protect my parishioners father oh lord instead of my parishioners to die father let my life be taken instead father i pray i call upon thy name to come and take preeminence in what is about to take place father in the name of the father love the son and of the holy spirit what’s the problem with you yes how do i know about my son listen yes he told me i was preparing to go autism god mother mary please do not allow their plans to come to fulfillment please save your son save your servants i have to do something yes i have to do something go to my rescue look at me a problem with you so when do i want to hey jesus oh assume that that is already planted again more than the manipulations of the evil if you will be okay why is he me you see who never submits to anything he will definitely submit to ethereum it is sometimes good for a stubborn child to bath with a corona for him to test for himself what am i turning it’s all about let us make sure that that boy yes has no business with their grandfather the good man let us know the content with the academy um my dad is a cultist my daughter you don’t see such thing against your father father he killed my mother how do you know my mother has appeared to me thrice in dream and she told me how he took her to their temple and offered us a sacrifice do you know that at times dreams could mean fragments of one’s imagination father they are plotting to kill me you know don’t worry it is the lord’s part and there is no peace yes he pretended as if he was going to show me something that belongs to my father just for him to bring that bearing into his finger and i could not remember anything again we thank god for everything never the mind is watching over you all the works of evil and the evil man shall be put to the stone just be steadfast why should you be here with other i never lose this yet you call yourselves professionals listen i am leaving you simply because i am going to make use of these regions in two weeks time i am giving you four days to bring them here how are you ready for this how many days indeed food foreign but deliver us from all dangers ever glorious and blessed amen father lord let all the evil men in this environment be exposed whatever that they are planning on letting back to sender in the mighty name of jesus christ of prayer in this house father what did i do wrong why should you pray for someone to die but i did not pray for anyone i am your father i have ordered you not to say that type of prayer in this house again any foreign voice in this house me you are gracious i don’t wish to bother you but when someone passed me on the head not avoiding the hair i would bite his hands not avoiding the voices i request that my daughter chinazo be killed alongside father agubata your wish has been granted yes so father 300 000 and 100 because they did work free of charge to promote the work of god and those of the church those who did the interior thinking painting of what happened we are grateful to god i pray that almighty god increase your freedom holiness i am not surprised in fact i give god the glory this singular effort by the parishioners returning their supposed payments back to the church may god’s name be praised this is what is called pure christianity yes in fact i am overwhelmed they have shown that truly truly they are the old children of god that took all of us that took part in this church building must be blessed i tell you that god in his infinite mercy will bless all of us i have to do everything i need to thank you my only happiness is that we are christ thank you i’m glad to keep on protecting you and keep on guiding i would never disappoint this family by the grace of god by the grace of almighty god i will never disappoint this family i will never ever disappoint you in this family please keep away from trouble as much as you can but i’ve heard what you said uh i’m promising you that i will never disappoint this family either thank you very much thank can fight him keep away from trouble and take good care of mama please stop trying keep peace i have so let me let me run hey thank you man definitely i have told you that he who never submits to anything one day he will submit to a very amount coffee will be your abode so is from west i just came to let you know that your food is ready this is you screaming begging my mother not to kill me my daughter don’t let that bother you our lord jesus christ is your personal lord and savior our mother mary will be there to always help you the holy spirit and the whole angelic host will always protect you never allow yourself to do anything that is sinful always stand in the truth and worship god pray fervently never let the word of god depart from your mouth segment imagination just a dream number number one somebody is about to die let me tell you what happened to you is a clear evidence to tell you that the end of sabbath yes it’s very important most of the things that happened inside dream fact they manifest very soon talk to the chief can you just shut up for a minute can you just shut up for a minute for a minute go for is blessed are you among women and blessed is the fruits of your own jesus blessed are you among women and blessed is the fruits of your own jesus you and your mother let me see those devils here who call knee you’ve done greatly well thank you sir i must say i’m really impressed because it is making progress i’m just only creative all thanks for making it possible for us to achieve that faith thank you sir for that please ordered me to stop attending all the negative meetings and activities you should not be worried always have it at the back of your mind that every good christian faces a lot of challenges the early christians were persecuted some were even bound to death my advice to you is that you should not disobey your father no no don’t get me wrong i don’t mean you should stop attending marry league activities or block rosary or the church activities no i’m only trying to tell you that only with prayers you can defeat the enemy be steadfast we thank you lord we thank you for our endeavors oh lord we thank you lord for our business we thank you for the extent that you have taken our business as our business is growing lord papa we thank you we move we are moving from place to place in lord we thank you lord thank you all for the things you’ve done so far or not but we still bring you enough to keep growing us taking us higher and higher and higher we believe in you we trust in you but lord most especially o lord i beg you o lord for my madame oh lord papa please bless her with the fruit of the womb she has stayed for a very long time she has asked she has cried now please bless her if her childlessness is out of their fault lord i beg you i beg you not to forgive them if it is what they have done now please forgive them but bless them with the fruit of the room but if it is the work of the enemies not at this very moment oh lord prevent it and reverse it in jesus name heavenly father we thank you lord jesus will glorify your name we say may all glory may all honor be unto your name in jesus name amen i have told you to denounce that name i would rather die than to denounce my mother as for abandonment you haven’t abandoned because you are not a leader you are just living good you are just a living ghost my son forget all that we are serving a living god not an idol for sure we will never experience peace for the parish praise has come to sanitize the parish there will be no evil in that foreign the holy mother of god can never allow that to happen amen count one or two things the blessed sacrament has done for me they are countless there are so many but um knowing that you are not a catholic it will be a little bit difficult for me to convince you but the only thing i will tell you is please let us just visit the blessed sacrament i know the goddess have i know that you must have a reason to glorify his name i am confident that your growth will with blessings because good things have come from you just that i’m thinking to kill me i know the god that i said thank you very very much for giving me this opportunity to tell you things about the blessed sacrament but one promise i am giving you today is that the god that i serve will definitely answer on your prayers in jesus name just don’t worry in jesus name shall be destroyed in jesus name holy is of god this personal prayers do not let me down yes foreign me me hello especially yes remember your request that your daughter will die along the prison your greatness your wish is but i thank you as i return from the mountain that i may your name be christ holy mother of god i fly on your patronage holy father may your name be praised for i alone cannot do it father oh lord i call for your strength but i call for your strength to make me to have your neighborhood to carry on with the works of god which is facing me how can that be possible you must go to the bishop first acquisitions against the priest and the bishop will transform him out okay they said i am confused a little uh did you point at me or him let us let me kill me because if you are pointing at me he can’t walk you want me to accept something i cannot do you know it’s impossible there’s somebody who can do it to do it one day let god are you a member of this brotherhood brothers brothers brothers my wife is a commander is further we shall ever remain grateful because without you that beginning will not be a reality well to god be the glory i am going to communicate with his lordship our bishop i i want to find out if it is still uh with the date in schedule i want him to confirm that he is still going to come on that proposed date uh so good so you inform the rest of the parishioners but i want you to question them tell is them to move out at night so let’s walk foreign i say remove these women from here hey maybe you are confused and maybe this thing is broken in your eyes your sights what may be the position do what i told you remember foreign oh love you foreign this is unbelievable maybe girls where the prison did not be with you up i don’t want to believe that you girls have lost your faith i told you girls that the lord revealed to me that they will return why are you after my life my daughter as long as you remain in those lines of progress called the church members more especially it did you people eat anything from them no father further three men pushed into their vehicle and took us to their place further there was a ring one of them alone and immediately we looked at the ring we did not remember anything again until we were told to leave the place without looking back we saw three of them that came the name jesus or mary again that there was too much alive but the children of god will always be victorious no weapon formed against us shall prosper those three in white garments that came to see the three of you we are your guiding angels for them to proclaim that the three of you are set free indeed three of you are set free in the name of our lord jesus christ surely you are free indeed let me pray for three of you okay oh before you leave okay sir please foreign actions amen amen yes hey come on today is sunday you know what it means it is the toilet no that’s the security house security house yes only him is it too big it’s very big everything is just big you’re just saying the outside come let me take it something has been bothering me so i i took it upon myself to come and verify from you so are you saying that that priest’s power depressed power is more powerful than your power the boss is you can actually kill foreign hey do so oh oh cat kissed us for yourself people came to see me may the peace of the lord be with you ah i can’t really see you’re getting better we thank god for that and i know that the god almighty that we serve who saved you from that from the attack will really see you through your future and we pray that those evil doers who attacked you supporting what is saying the vicious circle of poverty shall be taken of past our young youth you see no matter what may god’s name be praised it is not by my power that i survived the attack you know that the car was set at least but to god be the glory no matter the plots and plants of the evil people the children of god will always be victorious amen i thank you all for coming please let’s go inside thank you what is this problem once you are involved both the driver and the conductor or conductors that have hands in her death no notice it is my did you share the world with me you killed your wife okay remove your clothes did you drink yes what body do you have here it is our considered opinion that is myself or cabinet and robert the pillars of this church that we should have over victory jesus this is my greatness happiness is that we are beyond human destruction what is your greatest happiness we are beyond human destruction if you don’t observe it don’t lose your hand i repeat myself if you know you don’t observe it don’t lose your hand continue let me agree that all of us observe these seven days faster you may bring down your eyes you all are witnesses to the battle we are facing in our parish the fact you all witnessed the last what just happened we are not fighting against flesh and blood so that we shall win this battle i wish to advise this very battle we are about to face if you are not ceremonially clean please do not endanger your life to come for this battle stay indoor go for your confession but pray for us that are in the world the name of our lord jesus christ this is why um everybody uh everybody everybody children of god children of the most high may the peace of the lord be with you all we have seen perilous times what god has said that today is going to be the last day that today all our enemies shall be put to end jehovah muslim has given us the authority to trample down on lions and snakes and they shall not hammer us no we can stand against the children of god shall prosper and today they are young that i am he has given us the authority that every of our battle shall end today so everybody do not be afraid of that that will only kill your flesh do not move you from the kingdom of darkness i know what you are made of but i tell you today is your last day today the lord almighty will show you that he has every power oh ah foreign today is your last journey on this earth yes yes yes yes and god bless you are standing yes it’s your life yes you can join me hello oh i disowned you you are not going to partake in any of my glorious any of my property father what made you think i’m interested in your you’ve got too well no the money you got from cultism i’ve denounced you long ago yes you are going to die along with father that is my ring the ring you are looking for is as important as your chief priest what i’ve sprinkled holy water and rose so it’s powerless foreign your congregation very soon i promise i will come back personally to with the food m sweet is my is oh.
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Discussing the NZ Investment Market - Guest Interview: Daniel Carney, Goodlife Financial Advice
Hi everyone thank you for dialing in we are talking today with Daniel Carney from GoolLife Financial Advice uh Daniel is located in Auckland but deals with clients nationwide and we’re just going to talk a little bit today about what Goodlife are seeing with their clients what what they do what they’re seeing with their clients and how it relates to the property market so thanks for dialing in Daniel just just tell us a little bit about what Goodlife does for their clients and uh and yeah just tell us sure well we’ve been in business for 23 years we help people really to become financially independent that’s our i guess our number one goal is to help people on their journey to not having to rely on the government or or an employer or whoever for their income so there’s various um things along the way that we assist them with to achieve that goal really in terms of wealth creation the main things that we’re helping our clients with is residential investment property something that we’ve been big on for you know the 23 years we’ve been around we do have about 43 million dollars under management of client money with a fund manager that we partner with so we take that seriously as well a chunk of that is KiwiSaver but funds under management is a key part of that journey as well of course how clients structure their mortgages their insurances everything is all wrapped up in that too but effectively if i had to sum it up we’re helping people in a holistic way financially to become financially independent cool okay so yeah let’s talk about the um property side of things um because it’s been a few changes in the the market recently and government likes to pick on investors so uh it seems like uh that’s been affected the most but i guess the big one is probably well in my view the big one is the tax changes that happen i mean it’s been the LVR that was you know there was that prior to 2013 um uh from 2013 rather and uh and it’s now been re-implemented but i think the big one was the tax changes and the treatment of interest tax deductibility um what are your thoughts on that um in terms of how it will affect the market and and will people look to new builds or you know ditch existing properties what’s your thoughts yeah you know i i mean most of what we do 99% of what we’re doing with clients is new build property anyway so it’s very rare it’s only in in the cases of where we have to um it’s not a bad thing but where we have to it’s usually clients with a lower borrowing capacity that we’re looking at existing property stock um so you know when we’ve when we’ve run the numbers uh admittedly it’s on interest rates uh sort of similar to what we’re seeing now it hasn’t actually been that big a change for our clients who have got existing property so i think the media can really you know sensationalize things and and concern people or worry people more than is necessary when clients talk to their accountants and look at the actual numbers probably the changes to the financial or cash flows are are probably quite minimal when they do the calcs so anyone that’s concerned i would encourage to before they draw any negative conclusions actually just do the calculations hey if it is too too much of a change well it might be a time to look at selling and maybe reinvesting into new builds but new builds for us has always been a preference anyway for many reasons they’re more tax efficient easier to rent easier to sell less maintenance issues uh chattels are worth more et cetera et cetera so it’s a it’s really just i guess helped our client base out and that what we’re doing in terms of the fact that we’re we’re pro new builds anyway um but i don’t we haven’t really seen much of a negative impact and uh myself included in terms of what my wife and i have in terms of existing property we haven’t seen much of a negative true impact with the with the recent changes um but nonetheless we are pro new builds anyway and that’s mostly what we’re doing anyway so they are exempt uh to those changes so it’s really business as usual and if anything if anything we’re getting busier um you know look i’m the same right from a mortgage broking perspective new builds are easy to finance they’re uh they’re good you don’t have those issues where suddenly you buy an existing house and you need to fork out ten thousand dollars for a new roof um so they come with a lot less risk for that for the client i think so yeah it’s it’s good and now those um well we don’t know what those tax deductions are as of today we can we can hazard a guess from what they’ve put to the IRD uh um but yeah it’s there’s certainly going to be some benefit to new builds going forward so um yeah yeah and i mean look for us it it’s quite easy for us to sum it up and this is why new builds work well in this in this model was because you know we see it much the same as KiwiSaver and what i mean by that is you know KiwiSaver just ticks away in the background you’re not phoning your KiwiSaver provider every five seconds and asking them to tell you what’s going on and call you every time there’s changes within the funds and blah blah it’s just something that’s ticking away in the background that’s there to help fund your retirement it’s a wealth creation strategy for us property is the same we would like as much as possible to have it in that set and forget space so with new builds that’s a lot more likely because there’s a lot uh less likelihood of issues with a new build than there is an existing property as as you mentioned things have to be repaired or changed out or whatever so you know at the front end we have the right people helping to find and analyze it and then out the back end the right people to look after it and and i stress to clients that’s not to take the power away from them they can get as involved as they want but it’s more our clients are busy they’ve got lives to leave it’s and we put it in the same category as KiwiSaver it’s just a thing to grow in value over a long period of time 10 years plus hopefully and you just get on with your life so yeah it’s another reason why we like new builds yeah and and rental property managers as well they take all that oh yeah that has helped yeah i remember switching from doing the um management of investment properties myself to giving it to a rental property manager and after about two years i said to my wife ah do you think we should check on the property because we hadn’t heard anything it was just running smoothly absolute no-brainer and we we budget for all of that stuff so the reports we give to clients we budget for every fathomable cost you could think of because again we don’t want them thinking about oh i’ve got to pay for this and that and where’s that money coming from blah blah blah no we property manager lawyer accountant rates insurances maintenance it’s all budgeted for so you just need to know what the bottom line is and that’s it and just get on with your life and yes property management a good property manager because there’s property managers and there’s property managers yeah um you know they just help you just get on with your life yeah yeah so i think uh CoreLogic said that they’d seen about a 20% drop off in investor activity which isn’t significant it’s probably seasonal to be honest i don’t know whether they seasonally adjusted those numbers or not but um but uh you probably find that winter just probably curled away 20% anyway i um i wonder if there’s an opportunity there and keen to hear your feedback on whether um this is an opportunity if there’s a little bit of a dip of those super keen people for people that are a bit fatigued with hunting and you know if they’re trying to do it themselves as well is this kind of an opportunity to jump in um and grab some grab some properties while the you know while the queues are a bit shorter uh yeah um well yes always i would say yes you know funny funny say that because we’re not seeing a drop off in fact we’re we’re we’re busy as we’ve ever been um you know i i was explaining to you um earlier that you know for our clients if we rock up to a property provider whether that’s a builder or a property search specialist or a developer or whatever and you know we’ve got joe and jane blogs who have gone through a full process of of being you know going through a financial planning process understanding what property what role prop property plays in that uh then they’re getting pre-approved they’re spat out the other end of pre-approved clients those those clients are gold for for people selling property so a lot you know in a lot of cases we are getting property stock that is not even hitting the market it’s being given to us because we have red hot clients ready to go so i really would feel sorry for people out there trying to do this themselves because property stock is difficult to come by and thankfully we’ve got many many years of relationships we’re got strong relationships where we get given these opportunities and we we can fit clients in with with their specific financial situation and needed cash flows etc um we’ve got opportunities there so yeah so funny we’re not seeing really a drop-off um and and yeah we hope we’d like to hope that we’re able to shuffle our clients to the front of the queue um keep them away from multi-offers and and auctions and um and competition really and let us have that stress and hassle of finding the right opportunities because we live and breathe that space it’s a big part of my job every single day to be to be finding and sourcing and qualifying um stock for our clients so yeah uh i’m not seeing any uh drop drop off that’s for sure yeah so if i um you know Tony Alexander does his mortgage broker uh survey and things and um let’s take you know anyone who turns up to a mortgage broker is by definition keen to buy so it’s always hard for a mortgage broker to tell the taste of the market because everyone that turns up is uh getting to buy this spectacle the same but but the the numbers themselves aren’t dropping off i i would agree notice me dropping off yeah no i i don’t think so stock stock is certainly hard to come by good stock um and that’s always an ongoing mission for us to find the right property in the right areas with the right rent uh you know that yield is um something that we’re all constantly chasing um not to the detriment of the growth of that property either that that is to me more of a mission if you will is is finding the right property opportunities um out there for clients um and keeping that that flow of stock coming through but that’s just that just means i’m having to be on the on the phone every single day to our providers um you know finding out what’s coming up in the future so that we can be earmarking that for future client uh contact have you ever seen any change and you know well people who buy in Auckland are traditionally chasing capital gains or capital growth uh they’re definitely not chasing yields that’s for sure and have you seen sort of a change of people what what they’re chasing what they’re asking for does it tend to be that you guide them on on what you think is best in the market at the moment how do you how do you sit with that yeah you know what that’s it’s a little bit of a loaded question for us because um our clients are coming to us usually because they want help and they want advice and we are pretty uh we we feel strongly about the the kinds of things we’re putting forward because they we’re doing that for a very specific reason so that’s why we do avoid those areas like central Auckland because the yield isn’t there um what we’re trying to balance out basically is four things with our clients we want to be buying in the right area but we want to be getting the right rental yield so we’ve got to get good growth over and for us isn’t this isn’t a speculative thing this is a 10 year plus investment for our clients they can hold it for however long they like but we recommend for it to be a 10 year plus thing so we we’re you know we know we’re looking at areas that are earmarked for some nice gain over the next uh 10 years with that are going to give us a good rental yield that is done in a good tax effective manner so that’s really a two-fold thing that’s new build property and who is your accountant and that’s a whole other conversation yeah and the the last one is can you afford it in the best and worst case scenario so we stress test everything we put in front of our clients so so our clients are not to pigeonhole people but they are average everyday normal Kiwi mum and dad investors they all learn very similar similar amounts of money all got similar amounts of children similar ages so it’s a very specific type of offering that we tend to give those kinds of clients and an advice piece that comes with that so we’re more giving them advice around that kind of stuff but uh behind the scenes it’s a balancing act for us to make sure we’re buying in the right area and getting the right amount of rental yield and that is an ever-evolving space um but that’s again not the client’s problem that’s our problem it’s your job right yeah i look i i think i say this in every interview i do nowadays that the days of DIY property investment are probably gone um and and uh on your side finding property um in the right areas and things uh but but also as you mentioned uh with an accountant you know what what losses can you pass through how is the interest rate uh you know how’s the interest tax deductibility treated what’s the brightline test i mean it’s just not something you can do uh easily by yourself um anymore so really really interesting um new world of property investment which i think is a good thing right if you’re plonking over seven hundred thousand dollars you should probably get some advisors around you right totally totally people have fumbled along and got got some capital gains along the along the way but it is it is a minefield out there you know even just the the property management side of things you you don’t do one little thing correct and low and behold you can’t claim on your insurances because something’s happened and you didn’t meet certain criteria that’s just one of many many things that you need to be making sure you’re getting right so yeah i i would as i said before i would hate to be going out there and going this alone um there are you know good advisors out there who can help in that space and you really do want to have that good network around you and i’m really big on that you know a good property manager a good lawyer a good financial advisor or property specialist financial advisor mortgage broker and risk insurance type person um you know accountants if i didn’t say that already these are people who you need to surround yourself by you would be amazed the things we see on a weekly if not daily basis even just yesterday i got an email from a client from one of the big brand international brand um accountant firms giving advice to a client which was which was blatantly wrong and i was gobsmacked to be honest um so people have to be very careful and this isn’t to have a [ __ ] in a moan about other professions we just want to make sure people are marrying themselves up with a good network who are experts in that space uh they’re not oh they’ve just heard there’s a bright line to change and better there no yeah i’ll just put that in an email no no they need to know what they’re talking about and and really though that that network is there to grow and protect your wealth and they should be all working together not butting heads with each other uh for the betterment of that particular client yeah absolutely a um final thing be difficult to do an interview without talking about interest rates uh we were seeing 2.
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Kobayashi-san Chi no Maid Dragon S Episode 03 Subtitle English #maidragon
QlpXanime Kanna-san, I’m here to play! Oh! Saikawa’s here! Saikawa Riko Hello, Saikawa.
00:09 - I welcome you! Yes, I’m glad to be here! Huh? Where’s your mother? Shopping with Lady Tohru.
00:21 - Meaning… it’s just the two of us?! Oh, my, what do I do? I’m going to climb the stairs to adulthood. Saikawa? Is this my own Cinderella story?! K-Kanna-san, may I borrow your bathroom?
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Tsuki ga Michibiku Isekai Douchuu Episode 03 Subtitle English #ツキミチ
I can’t believe my master has no aptitude for healing magic.
00:06 - Shin-sama, I shall assist you. Master, I won’t leave a single scratch on you.
00:14 - And that’s what happened. Emma-san really is an incredible wizard.
00:19 - So who are you? I acquired this form through our contract.
00:24 - I am the Black Spider. I thought contracts required the consent of both parties?