 out. Let me make sure we are coming in live. And there we are. Nice. Hi everyone, this is Chicho. Welcome to my channel and welcome to another live stream and another podcast. Today we're doing an open discussion on investing in personal finance and we're going to try to focus on housing. One of our mods, Spiderman, hey Spiderman how are you doing, requested this stream for us to sort of talk about buying a home and housing in general because I believe they're about to make a purchase and we figured we bring the discussion to chat on Twitch and see what everybody's take is regarding buying a house, renting versus what not. And I'm curious to see where this takes us. Smith, how are we doing, the man, the legend. One of the reasons I'm curious about this is because from the late 1970s all the way to the mid-2000s, early 2010s our family was involved in the housing market. Both three different companies doing residential and commercial development and stuff like this and I've worked in since I was early teens really because the family was involved in housing. I've been on construction sites helping to build homes either just when I was a kid just moving logs from here to here and people making sure it was safe to putting up drywall and doing some of the all the everything right. Not everything, I didn't do any electrical work, I didn't do any plumbing work because those are very specialized and to either build a house or if you're buying a house there's two things, two of the main things you need to check into is the electrical and the plumbing right. Aside from that, welcome everyone. I'm going to do my little intro. I'm just going to read a little bit of the chat so I don't get too far behind. Goldilocks, how are you doing? Spiderman, Chico, firstly thank you so much for doing this stream for me. You continue to be such a positive force and mentor for my everyday life. My pleasure, Spiderman, we're just sharing information. Just got to do what we got to do right. I feel blessed to have met you and to call you a friend. I am kicking myself and that has for missing the amazing moment in stream where you read Ripper's letter dude that was crazy. That's Spiderman art is amazing. I'm really excited for this stream. Awesome Spiderman. Ding Bobber, how are you doing? Hey Chico, thanks for the book recommendation yesterday. I didn't realize C.S. Lewis wrote The Chronicles of Narnia. Yeah, C.S. Lewis is huge. He wrote a lot of books, right? Yay, really excited for this stream. Nice. Spider Wife MJ. Wait a second, Spider Wife. Did you switch your name to Spiderman? It is too, Spiderman. Spiderman fan dude and we got Spider Wife MJ, Mary Jane. That's what it stands for. Oh, so, Allah God, how are you doing? I'm here. Hello, Chico. Early, early mornings in the early mornings of the hour in the UK. Hi, hubby. Spider Wife says, I love your beer. Thank you, nuts. V.C., how are you doing? Hey, Chico. Lonely piggy, Chico. What are the snacks today? Oh, you want to see my snack today? I went to the bakery. Greetings, Dr. P. Blessings to you as well. I went to the bakery today. I bought some, a couple, one day old bread, one fresh loaf bread, and they had the lemon meringue pie again. So, I bought myself another lemon meringue pie. Look at this goodness. So, I got lemon meringue pie today as well. Okay. Whoa, we don't want to lose it. We don't want to lose it. Let me do this. So, I show you the top as well. Here's the top, right? Very nice. Very nice. Very nice. I'll be having this. We'll be having this for a couple of days now. Okay. Spider Wife, are you an, are you, are you Apostle? I don't think so. Bipser. Just passing by and I start looking on my mythology, Celtic. And did you ever hear about Trisco? I don't know, Bipsicle. Intrepid. How are you doing, brother? Hey, Chico. How's it going today? Going good, brother. Thank you very much. Dr. P. Laughing out loud. Maladras to. Cheers. Cheers. I went to Blue Fox today. I was looking for you, Chico. Blue Fox. Buddy. Freshly made pie. Freshly made pie. Very good bakery. Here in New York Stream, stars at 10.30 p.m. Perfect time. Awesome. Awesome sound. And thank you again for Bogard comparison. Don't eat that. Send it to the UK. You look like a woodcutter. I could be. I work with wood. Good evening, folks. Catholic traditionalists. How are you doing? Blue Fox. Best brunch on the island, sir. Oh, is it the best brunch on the island? Blue Fox. Smith. We actually, this morning, went and got the bagel, bacon, sandwiches, egg. Yes. Gang. I'm on Patreon. Okay. If you want to follow this work, if you want to support this work, Patreon is a great place to be. Patreon.com backslash. Chico. C-H-Y-C-H-O. I don't put anything behind paywall. This is all creative comments. Share and share like. If you like this work, you can just follow. And after a while, if you see what we're sharing, you like what we're sharing. And if you do have the funds, you do have the means, supporting through Patreon is a fantastic way to support this project. We are live streaming on Twitch, twitch.tv backslash. C-H-Y-C-H-O-L-I-V-E. Okay. If you want to participate in this discussion live, Twitch is where you want to be at. Okay. And you can also support this project by following or subscribing through Twitch. I do announce these live streams 30 minutes before we go live on Twitter, Gaps, Mines, VK and LO. We do share additional information there as well. So it's not a bad way to follow this work, follow this project. I am recording these discussions on a lapel mic and the audio will be going on to SoundCloud as a podcast. And that's soundcloud.com backslash. Chico. C-H-Y-C-H-O. So if you want to listen to the audio, SoundCloud is where you can grab it, where you can follow. Okay. It should be available on your favorite podcasting platform as well. If it's not, let me know and I'll see what I can do about it. Right. And the video, we will be uploading to Bitshoot and YouTube. Everything goes to Bitshoot. And since it's permitting, we will try to load things on YouTube. Okay. Aside from that, welcome everyone. I hope you're having a fantastic, fantastic Tuesday evening or Wednesday morning in the UK and Europe, rest of Europe. Tomorrow is comic book day. Aside from that, I'm going to take these guys down and I'm going to catch up with Chad. Spider-Man, thank you for taking care of business. Miro, how are you doing? Okay. I am very unaware of how housing works. If you buy a house, do you still need to pay rent or do you need to pay something else? Do you still need to pay for electrical bills and water bills? You need to pay for electrical water. You need to pay for sanitation and stuff like this. The garbage people coming up. You need to pay taxes. Okay. And taxes are split up in different parts of the world. This tax, that tax. You need to pay for the maintenance of the house. You need to pay a mortgage unless you're buying out cash straight out, which very few people in the world can do that. So you're getting a mortgage, you're paying a mortgage, you're locked in, interest rates can fluctuate. Usually in general, you're locked in into your mortgage anywhere between 15 to 30 years. Or not locked in, but you have a mortgage anywhere between, it's rare where you see 10 years. 15 to 30 year mortgages. And usually you can, with your banks, you can, or your lenders, you can get into discussions and sign an agreement saying you're going to lock in your interest anywhere between from a year to five years. I don't think you can lock it along in five years. Some places might offer that, right? Anywhere between a year to five years, that way if interest rates are going up, you're locked in a lower price. But you have to be careful because if you lock in your price and interest rates start falling down, then you're locked in at that higher price, right? So when you lock in your interest rates, you usually get a better interest than if you're doing a floating interest rate, right? Because if you're actually locking in, you get a little bit higher, maybe it varies, right? But if you're floating interest rate, basically how much you pay per month is at the whim of the markets, right? If interest rates go through the roof, your mortgage is going to kick up huge, right? That's the general gist of things. Let's see, I'm going to catch a mirror. No, you pay your monthly mortgage and then utilities on top of that plus insurance. Oh yeah, insurance. Thanks, vitamin. You also pay insurance and you need to get insurance for a house, okay? Dingbao Berchicho. I'm going to inherit my parents' house. There's a very good chance that the mortgage will be paid off by then, okay? I want to keep living in it as it's a very nice house. The other option is to sell it and downsize far in the future, hopefully. Should I expect this property to appreciate or do the opposite? I am in southern Ontario in the suburbs. Which part of Ontario? First of all, Dingbao Berchicho in Canada, I think it's across Canada. I'm not sure about that, but in BC, when you're a senior citizen, the government allows you, I don't know if this is federal because I'm not a senior citizen. I'm not doing this. I know the elders in our family are doing it, but because I'm not interested in owning anything and I'm not, you know, I don't get into people's finances. I haven't asked them if it's just a BC thing or a federal thing, but in Canada or in British Columbia, look into where you are in Ontario, senior citizens can defer their yearly tax payments until they either pass or they sell the house, right? So when the elders die, right, and they're going to pass on property to the next generation, if they haven't been, if they've been deferring their yearly taxes, government taxes they have to pay, right? Every year for let's say 10 years, 15 years, senior citizen, you know, Canada average life expectancy, I believe is about as above 80, right? So let's assume from 65 to 85, they haven't paid their taxes for the house, right? And the taxes depending on how much it's worth, it accumulates, right? So if they haven't paid for 10 years, let's say they're paying $4,000 in taxes per year, that means when they die, you have to pay $40,000 in taxes, right? If your property is worth a lot more, you're paying a lot more in taxes, right? $4,000 is dirt cheap is on the low, low, low, low end, right? So be careful with that because if your parents pass or when your parents pass, hopefully your parents pass before you pass, right? Because that's something no parent wants to deal with is having a child pass before them, right? So if luck is with you, your parents pass before you pass, ask them, hey, have they been deferring the tax payments? How much is accumulated? How much are you on the hook for? If you don't have that cash, you have to go to the bank and get a mortgage on the house to be able to pay that off to the government, right? Now, if you don't have good credit, the bank might say and if times are turmoil depending on how much house is worth, how much money they own, the bank might decide not to give you a loan, right? If the bank doesn't give you a loan, you have to go to a secondary lender. Secondary lender charges high interest rate, right? So it's not loan sharking. Loan sharking is credit cards. Credit card companies are loan sharks, really. In any other period through human history, right? These organizations that charge anywhere between 20 to 30 percent interest on any loans would be considered loan sharks in certain parts of the world. They were illegal, they would be arrested, put in jail, or executed, right? Seriously, throughout human history, right? Now, hopefully you're not going to rack up debts on credit, right? So if anybody has that on credit, you're paying interest to credit card companies, you're dealing with loan sharks. Get out of that, right? Or there are different ways you can do it. We won't get into that, right? But look into it. There's a whole bunch of things at play when you own a house. Also, what's the maintenance on the house? Do you have to, does the roof have to be changed, right? And the roof, changing a roof in Canada costs anywhere, let's say, average $25,000, right? Is the electrical okay? Is the plumbing okay? Is there mold? Is there leaking? What are the issues? As far as if the house price is going to go up or down, Canadian dollar in the last two weeks has gone up around 10% relative to the US dollar, right? So all of a sudden house prices in Canada, because Canada is a huge country, a huge place in the world where foreign money has been laundering money, right? So a lot of money has come into Canada, buying up a lot of property and just laundering money. Really, it's laundering money. You can't call it anything else, right? So Canadian dollar has gone up, let's say, around 10%. It's gone from like, in last month, let's say, gone from like 69 or 70 cents, 71 cents to 75 cents, 76 cents, not 10, but getting close up there, right? 8% or something like this. So that means house prices in Canada are 8% more expensive relative to US dollar, right? And I'm pretty sure it's also the case for a lot of other currencies as well, right? So if that's happening and money's being locked up a lot of places and the economy is going to take a turn, you know, tumble, is Canada going to remain a money laundering country, right? Some of the provinces have passed laws where they're reducing the amount of or the ability of foreign money to launcher money through Canada. We'll see how this plays out, right? There's taxes being introduced and whatnot. So I don't know. That's my general gist. I don't know if house prices are going to go up or they're going to come down. Which part of Ontario, lower Ontario do live? Are you in London? That's your university town. Are you Krishna Waterloo? That's your university town. Our university number is going to continue to remain high in Canada, most likely, right? So if that's the case, then house prices might maintain their value, right? Because you can rent them out and whatnot. So there's a lot of things at play, right? I went off on that a little bit, but I just want to lay down the foundation for things, right? Bad question. Sorry, I should have phrased it differently. Ding Bobber, you phrased it well enough. Trolls are already Catholic traditionists. Yeah, I know a Catholic traditionist. They got nothing better to do, maybe, right? Part of our centralized education system, right? They're not very good trolls. You need some Montreal bagels. I do, I do. Miro. Okay, so I'm going to scroll down because I went off on that a little bit. And I'm going to see if there's anything directed towards me. Hopefully, we'll be having a good conversation. You may like the Trussell theory. If I can post a link, post a link to Discord, bib, bib, okay, bibster, for sure. Okay, glad I have a better understanding now, Miro. Okay, thanks for the input, Chico and Spider-Man. I was just curious and I don't think they ever taught this in school. Miro, our education system, our indoctrinated system, system in Canada, United States, they really don't teach kids personal finance investing. They, man, they barely teach kids how to read and write or do mathematics. They're not going to teach you how to become a free human being, right? The centralized system wants everybody graduating from high school to obey, right, to be indoctrinated in the current system. And the best they do is try to do a little introduction of how people should file taxes, but they're not telling you how you should really manage your taxes. They're teaching you the bureaucracy of it, not the business aspect of it, right? So don't, for all of you guys, if you're still in school and if you're a recent graduate, please appreciate this. Our centralized indoctrination system has dumbed you down to the level that they want to control you. You need to re-educate yourself. Put the time in. It's not easy. It might be painful. You might be amazed at some of the things you discover. It is enlightening and powering and it works towards getting your freedom, okay? And then, Bob, you're gonna go ask them good stuff. Seriously, ask them about that because if they pass or when they pass, right, all of a sudden that tax burden gets passed on to whoever they left the property to, okay? Catholic traditions, heck, there are loan sharks that charge lower rates than the credit card companies. Yeah, Catholic traditions agree. To me, it's amazing that we, as a collective, as a society, allow the two main credit card companies, three, that there is whatever there is, but mainly Visa and MasterCard, to run out loan sharking scheme like the slave, tens of millions of human beings, right? And by the way, okay, credit card debt is not like student loan that you can in the United States. You can declare bankruptcy and clear it. You could decide. Now, I'm not recommending this. Take everything I say with a grain of salt. This is not a recommendation as how you should behave because if you want to maintain your good credit, you need to maintain your good credit, right? But with credit cards, if you don't pay, they'll, whatever it is, right? The way it works with debt, they start, if a company, you owe money to a company, right? And they can't collect from you. They sell that debt at a certain amount on the dollar, right? So let's say you owe somebody a hundred thousand dollars, right? They can't collect from you. They can't garnish your wages. They can't find you where you are and stuff like this. So after a while of trying to track you down, they sell your debt. Let's say they sell your debt at 50 cents on the dollar. So your debt that you owe, right, which is a hundred thousand dollars, now they sold it for 50,000 dollars, right? That's the first tier, let's say, right? Usually the first tier is less than 50 cents on the dollar, right? But let's say 50 cents on the dollar. So now, as a company, buys your hundred thousand dollars debt, right? For 50,000 dollars, and then they start chasing you, right? So if they're able to collect 50,000, 51,000 dollars from you, right? Sounds like a great deal to you. You're only paying 51% of what you owed initially, right? If they can collect 51,000 dollars from you, they made a thousand dollars profit, right? Less all the bureaucracy and all that crap, right? Now, the people that bought your debt at 50,000 dollars, if they can't collect from you, they'll chase you for a while, they'll sell your debt, let's say, 10 cents on the dollar, right? So now it's a hundred thousand dollars of debt. They paid 50,000 dollars for it. They're going to write that out of the losses. They're going to sell it to another company for 10,000 dollars, right? So the second tier company that bought your debt is 10,000 dollars. They're going to start chasing you for 100,000 dollars, right? So if they're able to collect 20,000 dollars from you, that means they double their investment. Rock and roll, right? Now, they'll chase you for a while and they can't find you. Those people are going to sell your debt for a penny on the dollar. So someone's going to buy 100,000 dollars worth of debt for a thousand dollars, right? And if they can collect 10,000 dollars from you, rock and roll, they made 10 times your money, right? So after a while, they start chasing you. And in Canada, seven years, your debt disappears, your own, your whatever, as long as you don't interact with them, you're acknowledged the debt or whatever it is, right? There's a whole bunch of bureaucracy involved, right? This is a machine you're dealing with, right? If after a certain amount of time, they can't find you, your debt's gone into the wind, whoo, just like Wall Street, right? Bankers, well, we don't want no money, it gives bailout, right? You credit, you get bad credit on this, right? But you just went to the bank, robbed the bank for 100,000 dollars if you want to think about it that way. Again, this is not a recommendation, okay? Just understand how the system works, who you're dealing with. You could usually, if you owe money, you contact the people that you owe money to, you say, hey, listen, I got fired, I got health issues, I got the best I can do for my 100,000 dollars, I can pay you 20,000 dollars, they'll take it, okay? They will take it. Maddie Gigi, how are you doing? Easiest way is to not use seatbelts, what? V.C. Chichou, what's your view on abolishing property? I don't agree with it, as in people can't purchase own at a mass land on property to oppress others. Seems like that's a huge part of oppression in human history. Here's the kicker, V.C., right? If you live in a country, right, and the country doesn't allow you to own property, who controls that property, who really owns that country, that property is a centralized government. So you're not really abolishing ownership of a land, you're giving it to a centralized government, right? Let's take one situation. Let's assume you had a benevolent centralized government for 50 years, right, that took care of everybody's land, all the repairs on the houses and everybody, and everybody just paid a little bit of rent money to the centralized government, right, to live in their homes, okay? And when they wanted to move, they looked around to see what was available, who wanted to move and where you could cut deals and do all this stuff, right? For 50 years, 10, 5 decades, everybody was living happy, happy, happy, happy, right, under centralized government. And then you had a government like you pick which government you want to come into power, which is the opposite of what you were living under. What's going to happen, right? Let's assume it's a certain type of government, right, that gives out trillions of dollars to Wall Street, right? And I don't care which side of the venture you live in, right, Democrat or Republican, they've both done the same, right? So for the last 50 years, right, all the governments that have administrations that have been power in the United States of America have given handouts to Wall Street, from the excellent scandal to what's going on right now. All of a sudden, these people come to power. Do you trust them, right, to make sure you will still be able to live in your home, right? No, I don't agree with giving all property control to a centralized institution. That's one way, one road to disaster, right? It's monopoly, which is what we live in right now anyway, right? I want to own a home in Minnesota someday. Any tips or suggestions for a 26-year-old? Look into, and this is not just in Minnesota, for anyone that's looking into buying a house, right? House prices have gone up crazy in the last 10 years, okay? Insane, right? If you look at the averages, you've got to look at the charts, right? Look at the charts of housing. See how housing has appreciated. If you plan on buying at a time where, you know, let's assume housing on average over the last 100 years has gone up, let's say 2% per year, has matched inflation. Let's say it's matched plus 1%. Let's say inflation was supposed to be 2% and house prices have gone up 3% per year, right? Over the last, on average, over the last 100 years. If in the last 10 years, look in your region, if in the last 10 years, house prices have gone up on average 10-15% per year, sometimes 20% per year for a 10-year period, do you think you're buying at a maximum price peak or do you think it's going to go higher? It's going to all of a sudden stabilize and fall the same curve and keep on increasing in value 3% per year, or do you think it's going to come down, right? Because if it comes down, it might come down a lot, right? So you have to look into the charts, look into the data. One of the things I can tell you about someone who has been involved in the housing industry or was involved in the housing industry with family for a good part of three to four decades, okay? Housing prices do not double in two, three, four, five years, which is the case that has happened in certain parts of the world, okay, in general, okay. The next thing, during the time that I've been watching it from the late 1970s all the way to 10 years ago, even five years ago, right? When you wanted to buy a house, you would bring in inspectors, people that were going to inspect the house, right, and tell you what was wrong with the house, right? But because in Canada anyway, for the last 10 years, there's been tremendous amount of money laundering going on, right? So what you've been having is houses coming on the market and then outside foreign money places a bit usually above the asking price without even doing any inspection on the house, right? No inspection had in the house, they don't care, they just buy the house, they plop the money down. Why are they doing that? Because they really don't care about the house. They care about moving the money, right? And they're going to rent out the house because rents are really low, right? So you have to consider, hey, what's the international market going to do? What money flow is going to do? Half house price has gone up like this. And while this has been happening, right, a lot of the property that I've seen sell over the last 10 years, not even 10, let's say 8 years, in British Columbia specifically, in Vancouver, in Vancouver and Victoria, right? The hot parts of the area, right? They have been selling without any inspection and they've been selling overvalued with the price, what the house has been worth by ridiculous amounts, okay? What the house has been assessed for, okay? So people have been buying homes, buying apartments, buying property without even inspecting it, which to me is insane, okay? So look into all these factors. Was this, if you're buying a house, paying for a thorough inspection of all aspects, including fund one, is well worth it. As long as the inspection comes through, okay, right? Don't want to buy termites, don't want to buy termites, don't want to buy black mold, don't want to buy electrical, like one of the things you should do when you walk into a house, find out if the floors are even, right? Grab a ball bearing, put it on the ground. If it's hardwood, see if the ball bearing is all going one direction, house is tilting, right? Go there with two people. If the house has two floors or three floors, go upstairs, flush all the toilets. One person stays on the lower floor or the second floor or whatever it is to hear the plumbing, right? Plumbing is one of the most important things, right? Turn on the taps and listen to the pipes. There's been houses that have been built that I've seen built when the housing boom is happening and the best plumbers are not available and construction developers bring in whoever they could get a hold of, right? They set in plumbing where they put in 90 degree angles all over the place and the plumbing, when you flush a toilet on the third floor, you hear just the whole house fills with water noise going down the pipe. The pipes haven't been sealed and stuff like this, right? Incredibly important, electrical, incredibly important, right? Electrical is a little bit harder to test, but you need to bring an inspector, an electrician to figure things out, right? Dingbao Bichicho. Thing is, my dad is fixing up the house during his retirement, so when all is said and done, the house should be in good condition. Haha, I'm an Oshawa. Ah, you're an Oshawa. Nice. I've been there, man. I did a lot of work there in Oshawa as well. Fantastic. If the property owners are doing work on the house, by all means. And by the way, if you're going to buy a house, buy a property, look in online for used, whatever it is, Craig's List, used websites and stuff like this, or go to garage sales in the summer, in springtime, when people are having a garage sale, start buying some tools. You're going to need some tools if you're going to own property. You're going to need to maintain that property, okay? I'm here. I was running Dungeons & Dragons. Nice, Graham. Welcome back. Welcome back. Hello, all. Mr. Hezakaya. By the way, welcome, everyone. Okay. The U.S. has had private property and people still sold themselves as slaves, and now people are weight slaves to massive companies and landlords that own lots of properties. V.C. 100% agreed, but that's not because there's private property as an option. That's because the whole, all of the United States administrations for the last whatever number of decades have been bought out by the banks on Wall Street. So it's not that the basis of private property is the problem, right? You've got to hit the root cause. It's money laundering. It's monopolies. It's bureaucracy, right? It's corruption. You've got to weed out the corruption. Spider-Man. Bitzer, I'm thinking philosophy. Chichu, what do you think? I'm not sure what the question is, Spider-Man. Okay, gang, I'm going to scroll down to see if there's anything directed towards me. Okay, El Lugod says this. My father paid 25,000 pounds for the family house in 1987 worth 200,000 K now, all paid off. Awesome El Lugod. Okay, so that is, what is that return? That's eight times your return, right? So eight times return, $25,000, eight times return. And hopefully at that time, the mortgage that they got was only like 10 years of maximum. If they got a mortgage, maybe they paid it off in one shot, right? Now, just imagine if they took $25,000 and bought Microsoft stock or certain other stocks, right? That were paying out dividends and stuff like this. Microsoft stock at the time, through all the splits and stuff like this, were probably less than a dollar, right? Right now, it's sitting at $100 and, last time I checked, I forget what it was, $170 or something like this, right? The return there is a lot more insane than that, but you also have to consider during that period that you would have to rent somewhere as well. So there's investment opportunity lost, but in general, you need a stable place, right? You can't risk everything, all your funds. So if you're doing type of investment, what you want to do is have high risk, medium risk, low risk investments in your portfolio, okay? Catholic traditionalist, personally, the ownership of private property, more specifically property that constitutes real wealth, example, farmland, livestock tools, et cetera, has allowed me and my family to move towards what Chico might call an antifragile lifestyle. Awesome, right? And that's what it is, right? You want to become antifragile. You don't want to be at the behest of the whims of the market and the centralized power and Wall Street and money lenders and money launchers and international markets and turmoil like that, right? You have to look at where you are. My aunt paid an $11,000 Canadian in the 60s is worth 3.5 million, yeah, Ding Bobber, right? Graham, Chico, my parents rent their house from people from overseas. They would like to purchase it from them, but the people won't sell it because they will always be able to get a better price from a foreign buyer who is going to resell it as is with no skin off their back and no heartbreaking, heartbreaking Graham, right? This is like, for example, I'll give you an example. During the 1990s, I went to Cuba five times, right? I was very interested in the revolution. I knew my political history and I was a cigar aficionado, right? I had clients, I had a humidor, I had amazing cigars and I had clients that would call me up and for a period in Vancouver, I was the only person that had a certain brand of cigars. I was rated the number one Cuban cigar in the world, right? Hoyo de Monterey, double coronas, right? I was able to go to Cuba, get my hands on a few boxes and brought them over to Vancouver and I would have film studios. I had a couple of connections, right? Producers, directors and stuff like this. They would call me up. They say, hey, we're doing a shoot right now. We have these clients and they love their cigars. Can you come and set up a display? So I would go to where they were shooting. It was either, it was, what do you call it, a studio they were doing it or a hotel they were doing or whatever they were doing it, right? I would set up a table with different types of cigars, right? And they would come over and I'd tell them how much each cigar were they would buy cigars off me, right? So it was amazing. I loved it as a hobby, as someone who loves something like this, just like comic books. I did the same thing with comic books, right? I went to comic conventions, set up tables and sold bots, comic books, right? Incorporate what you love into your lifestyle and if you really want to spend time doing that hobby, make sure you are able to generate money through it that way. It feeds itself, right? You, your hobby becomes either a revenue source or it pays for itself, right? So I did this for a while and I looked into Cuba and I, you know, when I was going there, I would ask people, I go, okay, first time I went, I thought about this. I went, okay, how much is a property here, right? And I remember talking to people and they told me, you could buy a house, beachfront property for $5,000 US, right, in the 1990s. And in the 1990s, I was working as a geophysicist, living with the folks. I was early 20s, right? Living with the folks trapped because one of the reasons I was traveling all over the place, all over Canada, certain parts of the United States. So I didn't really need a residence, right? Or if I went to another city that would put me up at a hotel room and I would stay there for whatever, travel around and whatnot, right? So I was making mint money. I had a couple other revenue sources, comic books, cigars and they were just paying for themselves, right? So I went $5,000, where do I sign up? I want to buy property in Cuba, right? I looked around. If you're not a Cuban citizen, you cannot buy property in Cuba, right? Why was that the case? That was the case because at the time the Cuban government knew that $5,000 for a Cuban was a lot of money. But $5,000 for people outside of Cuba, for certain parts of the world, that was Trump change, right? And if they opened up the markets to money launderers, people who can throw away Trump change at will, right? If they open up their markets to outside money buying property in Cuba, not being Cuban citizens, right? Then Cubans wouldn't have a place to live in and all the Cubans would slowly become serfs, right? They would be paying rent to outside money, right? Cuban government, pretty damn smart. Well, guess what? At that time, during the 1990s, me living in Canada, I was making flush money, $5,000 was Trump change, right? But I couldn't buy a house in Cuba because the Cuban government knew that. Well, guess what? Economics happen, globalization happens and slowly over time, right? Places where I could have bought property for Trump change, well, they started rising. Example, China rising, right? All of a sudden, the number of millionaires and billionaires in China went through the roof. Now, me living in Canada, my wages really didn't go up that much over the last few decades. Compared to what I was making then, I'm making less now. My money has less buying power, right? Because of inflation and all that jazz. And right now, me as a Canadian, my situation, global ranking in terms of purchase, purchase ability, purchase price, right? What my money can buy has dropped tremendously, right? Tremendously. So right now, Canada for the last 10 years, 15 years has been the same situation in terms of if you do a comparison as me and Cuba compared to Canada and China or Middle East or other parts of the world, right? Now, houses in Canada 10 years ago, a house that we were involved in, right? That sold for $1.7 million, $1.5 million, right? A million dollars, right? $500,000 in Canada. Some people from certain other parts of the world, that was Trump changed to them, right? So $500,000 house in Canada, 10 years ago, 15 years ago, was Trump changed to certain people in other parts of the world. But Canada was not as smart or was way more corrupt than the Cuban government because the Cuban government was taking care of the Cubans, making sure Cubans had a place to live. The Canadian government didn't give a rat's ass about Canadians, right? They opened up the floodgates. 15, 20 years ago, if you wanted to move to Canada, Canada considered investing. You had to invest if you wanted to fast track your Canadian residency and slowly work your way towards becoming a Canadian citizen. You had to invest in Canada. Well, guess what? To them, investment was considered also buying a home. So foreign money started flooding into Canada as different parts of the world started rising, right? Their living standard going on with offshore and globalization and stuff like this. All of a sudden foreign money started buying up property up the yin-yang in Canada, right? Because it was Trump changed for them. For Canadians, it wasn't Trump changed, right? Canadians still have to get a mortgage, pay all this crap and 20-year mortgage and whatnot, right? So all of a sudden a house 15 years ago that was worth $500,000 until two years ago, right? You could say that house went from $500,000 to $2 million, right? One and a half million dollars, right? Canadians couldn't afford that shit. So Canadians become serfs, okay? Keep all this in mind. This is extremely important. George Chico, hey Chico, hope you are having a wonderful day. I made it through my first day of my new job and I love it. Nice. By the way, it's major shake, major shake. Sorry for all the confusion. Major shake. Major shake. It is major shake. It's not George. George. Major shake. If I forget, remind me again, brother. I've been saying George for so long now. That's the way I see it. Major shake. Major shake. Awesome. Awesome. VC says, I don't agree with people buying property and living off it. That's where I want to be in 10 years. Oh, I don't disagree. Sorry, I read it wrong. So VC, I don't disagree with people buying property and living off it. That's where I want to be in 10 years. There's just a lot of property where people live, especially in cities owned and monopolized by slum lures and property management firms that work with the centralized government to extract all as much money as possible from tenants. 100% agree VC and one of the places we saw this roll out was a 2008 financial scam that happened where the government gave a ton of money to Wall Street and Wall Street started creating organizations, REITs and stuff like this. And they took all the taxpayer money and bought homes that were being foreclosed on, packaged all those up and kicked up the rent. So kicked people out of their homes that they were duped into buying and mortgaged and floated. It was just a scam. So both Democrats and Republicans have done this to the American people. Both liberals and conservatives, conservatives more so than liberals in Canada have done it to Canadians. And in other parts of the Western world, your governments have done that to you as well. Laura, how are you doing? I'm going to scroll down to see if there's anything directed towards me, but I'm missing a certain amount of chat, I believe. Okay. Graham, I want to buy a cabin in the mountains and mountain it on my own. I don't want to play the game, but I don't see a way not to grab to a certain degree. We're in this system, right? So you can do it in a mountain, but then consider this, you're going to lose high speed internet. You won't be able to stream. You won't be able to be able to interact with the internet, hopefully free for flow of information as much as you are right now. And if you are, you're going to have to pay satellite fees, which are extremely expensive, right? And as you get older, you probably want to have access to facilities that have health care that can provide health care for the elderly and stuff like this, right? So there's a lot at play. Spiderman, I think we're going to have a house built in Utah. You get to pick the house and build certain way you want things. Spiderman, yeah, inflation too as well. Spiderman, a building house is fantastic, but not what you're getting into. Okay. Plumbers, electricians, ridiculously important. The carpenters you get, your base car printer is very important. If you're not keeping track of what's going on with the finances and stuff like that, you're going to get hosed, right? Make sure you get people that are going to do this and work people that are going to do this that have screw pulls, they have morals, right? They have a good track record. Look into who they are. Okay. I'm going to scroll way down gang. Okay, sweet. I'm down the bottom. I didn't see anything popped out towards Chucho. So I'm going to read the last couple of messages. I tried my bests, bests. I tried my bests. Two sides of the same coin. Australia just encouraged people to buy homes by offering 50,000 K deposit, deposits out to first home buyers. But you know where they're all going to end up at the beginning of the quarantine. A Catholic traditionalist. I know many people that own mountain properties in Colorado. I strongly considered buying property myself. Just note, Graham, that there are real challenges with mountain properties. I wish I had $5 for everyone that bought a mountain cabin and then had to buy an expensive water storage system in order to have a water supply. Yeah. And what do you call it? Sanitation system, right? Like, that's the whole thing. There's a whole industry geared towards making property that is off-grid, but it takes a lot and there's a lot of experimentation taking place, right? What's it called? Blackwater, where your waste goes into a place and gets filtered and feeds your crops that you're growing. It's a long process, right? Anakin, $7,000. But how would you even know if a stock is the next Microsoft? You wouldn't, right? You wouldn't. And by the way, I don't recommend buying Microsoft, right? Microsoft is working to make sure that property software does not maintain dominance, right? They sabotage companies. They regulatory capture governments. They practice monopoly practices, predatory practices. Microsoft is not a good company, right? If you have bought into Microsoft, sure, your stock has gone up. You've gotten your dividends, yeah, yeah, yeah, right? But over that period, they've reduced the number of options you've had in your life, right? They've reduced the free flow of information, right? They've worked towards enslaving humanity. Is that worth it? I don't know. I don't know. Chicho, to get his attention. Hey. Yeah, is that the Microsoft one? Thanks. Thanks, Wasis. Okay, great. This conversation going on between me. I'm going to have a little bit of cake gang or a little bit of lemon meringue pie. We've had this before. Super delicious. Super delicious. Super good. And it's very fluffy and disintegrates. The meringue just disintegrates. I bought this this morning. I've already had one piece today. Check this out. Get this focus. Look at that goodness. Look at that goodness, right? Fantastic. This is lemon meringue pie. It just disintegrates. And these guys here are marzipan. Take a look. This is marzipan. Look at this. This thing goes down like mad. Look at that. Very good. Very good indeed. Very good indeed. Yes, Mara. What? Okay, thanks very much for taking care of business, Graham. The meringue is egg white that they beat, right? But it does have sugar for sure. I don't know, Elder God. Elder God is asking, is there any milk in it? I don't know. I've never made lemon meringue pie. I don't think so, though, Elder God. It's very good, man. Carb galore, I guess. Graham, Catholic tradition is chicho. I'm not saying I want to be my own property, have my own property, but I would like a mountain escape for meditation and experimentation and gardening. Awesome. It's not a bad thing to want, Graham. Fantastic, right? A couple of things you could do. You could manage your life where six months out of a year you live in the mountains, right? Hopefully not in the winter, right? Or if you love the winter, you live in the mountains in the winter, right? But you could manage your life where six months out of the year you live in the mountains, right? And six months out of the year you have a little apartment somewhere in the city where you do your city life, right? 100% doable. And tell you the truth, Graham, I personally wouldn't mind doing that either, right? Yeah, Catholic tradition is I'm with Graham. I'm with you as well. That would be a good thing to have, a mountain property, right? I'll have a horse or two, right? But if you have livestock and stuff, you have to be there all year round, or somebody has to be there all year round, right? Graham, yeah, meringue is a white with sugar, beat into a foam, yeah. Graham, yeah, that's what I would truly like. Yeah, Graham, I think that's, and that's something that's manageable to do, right? As long as we're able to take, make sure that we change things around, especially in the Western world, where property is not considered to be something that you're flipping, it's considered to be a living space. Graham says, with my modest teacher salary, it doesn't really seem doable, but I want to, I want to be hopeful. Graham, I can honestly tell you this, and I've, we've mentioned this before, and I'll mention it again. If you're expecting in this current economic system to be able to upgrade your life based on your salary, and I'm not talking about people that are making $300,000 a year, $200,000 a year, $100,000 a year, I'm still talking to you, right? If you expect to be able to become financially independent, okay, over time, just based on your salary, your dreaming in this current economic system, okay, you need to take that money, and you need to roll it out, you need to invest it, okay. In our current economic system, you need to get money to be get money, okay, which I don't personally agree with, but it is what it is, right? I wouldn't recommend just putting all your focus, all your life into that concept. Don't do that, right? You also need to live your life, but figure out what you want to, how you want to live, where you want to be, what type of community you want to live in, right? What you see the future to be, right? And have a hopefully longer outlook, wider outlook than just your lifespan, right? Because as far as I'm concerned, we're here as stewards of this planet right now, right? We shouldn't be so selfish that we want to consume as much as we can while we're here, okay? So you need to, everybody, if you're making salary and you're making anything, let's say less than a hundred thousand dollars, you need to start thinking about investing, right? What are you going to do with that money? Hopefully, you're not going to put it on Wall Street only, or even Wall Street, right? Anakin, Chichou personally, I think the idea of buying a house as an investment is useless because you only profit when you sell it. Not necessarily Anakin, because what you could do is buy a house as the house value goes up, start taking a mortgage on that property, right? If you find investment opportunities in places, right? And start rolling that money into places where you're going to make a higher interest than what you're going to be paying mortgage on, right? It's all a game, right? Now, keep in mind, if you're doing this, that takes a certain amount of energy, that takes a certain amount of time, right? So you're not just getting the money to do that, you're also investing your time, your energy into that. If that's what you want to do, you know, it's your deal, okay? But it takes effort, right? Keep this in mind as well, right? When you buy property, you're locked in, you're not as mobile, right? And you don't have investment opportunity open to you. So all of a sudden, if you see an amazing investment coming your way, right? And you need to, you know, amazing investment, let's say there's $20,000 you can invest in that possible return would be astronomical, right? And you're already mortgaged out to the tilt, right? And you don't have any savings, right? And the bank won't lend you any more money because you don't have enough capital, right? Inside your house. Then that investment opportunity of $20,000 is going to pass you, right? So you also have to consider that there's living expenses, there's maintenance of the house, right? And taxes and all this jazz, right? Scoops, how are you doing? Good afternoon. What are your feelings on the negative interest rate idea the Fed has? I fear for a fiat dollar failure. We're in negative interest rates right now, right? Inflation, they say it's only 2%, 200%, but it's much higher than that. We know that. But inflation might be going in a period of deflation, possibly maybe higher inflation. We don't know. Stack inflation, where are we at? But by all intents and purposes, we're already in a negative interest rate environment. We have been so for a while now, okay? And is negative interest, negative interest is going to have huge effects, right? And in terms of Social Security, RSP, all these funds that are invested, that are based their investments on being able to give out dividends, right? They're supposed to have a certain yield and people have invested, they put their life savings into these bonds or these indexes or whatever it is, or these stocks that are supposed to give them this much percent per year, that way they can live off that and all that jazz. Once we go into a negative interest rate, that stuff is coming down, right? All of a sudden grandma that's sitting there that has no grandpa or wherever it is, or family, right? Father and mother, siblings, whoever they may be, you know, for 20 years they've worked, put their money into the markets and they're expecting to get paid this much dividends per year. And their living style has gone up to match that, right? So they got a lot of expenses going on, right? All of a sudden, if that gets cut, what happens to their living style, right? That's gonna make certain things come down. Graham, Chico, I'm working on it, but you told me to focus on one other thing. So I'm working on the stream as an avenue to produce products that we could sell. Awesome, Graham. That is the investment you're working on, right? That's fantastic. We are working on a board game and we have some other products on the dock. That's what you taught us, caught us working on earlier. Awesome, Graham. That is a plan and a half, Graham. And again, take my enthusiasm of it with a grain of salt, right? Really take my enthusiasm with a grain of salt, but kudos to you, man. What you're doing right now is what I would recommend people to do, right? Start thinking about how you can incorporate what you love to do into your lifestyle in a way that it can generate a certain amount of funds. It could be a revenue stream coming in, right? Worst case scenario, it is entertainment for you that you're spending doing something you love. What's wrong with that, right? What's wrong with that? Graham, I'm glad to hear that, man. That makes me happy. That makes me happy. Major shake, major shake. Chico, do you think agriculture equipment would be something good to invest in? I live in Oklahoma and the need for hay is usually consistent year-round. I would have to put in the work myself with mowing the hay, taking it, then bailing it. I would have the potential to put more money in my pocket from selling the hay in the winter, but I'm afraid I would pour too much money into it with the cost of fuel and parts when something breaks. What are your thoughts? I'm stuck on the fence. Major shake, here's a kicker. First of all, storage. Do you have the place to store what it is that you're going to sell in the winter because you're going to take the hay down in the summer as it's grown or fall? You have to store it for how long? Six months storage as you sell the product. There's storage fees and as you said, there's equipment costs, fuel costs, and all this jazz. But if it's your time, your land, you have the storage paid for, and it's something you like doing, you could give it a shot, but don't put the farm, don't go into debt because of this. I would say just try it out if you think it's viable. If you see your first year, you at least break even, and you love what you did, keep you healthy, you learn, you grew assets, you got more equipment, you learned, you're able to optimize and you know next year you're going to reduce your expenses, you're going to do it faster because you have experience, then all of a sudden that's going to hopefully, if all things stay the same, that'll generate a little bit of revenue. Next year, see if you're happy with that revenue, were you being paid a dollar an hour to do something you don't like, or were you making five dollars an hour doing something you do like doing? Is that worth it to you? It's very personal, but I don't know, the commodities, agriculture stuff is a hard place to make money, unless you got monopoly powers given to you from the government. Raking the hay, not taking, raking. Josie 52, I'm subdividing my property in the suburb at the moment for profit, then we'll buy 10, 15 acres to at least have wanted to for years. This coronavirus has inspired other people to do the same, so the rural land has already started to go up in price. Regarding this Josie, in January or December, actually it was New Year's Eve, 2019, so New Year's Eve, kicking into 2020, right January 1st, I was at a party and we're all outside and living a 420 life, and we're talking and stuff like this, I had my vape going and whatnot. I was talking with someone and this was in the suburbs, this was outside the city, we went overnight to spend the night there and stuff like this, right? And we're all talking and stuff like this, and I mentioned that, you know what, I think city prices, house prices, property prices might start coming down because people are going to start wanting to go live in the farmlands and the suburbs, not suburbs specifically, but in the rural areas, right? Now one person I was talking to, it was a friend of a friend that I hadn't met them before, right? And I mentioned to her that I think that's what might happen and she goes, what, how could that happen? Everyone's saying it's going to go the other direction, right? Everyone's going into the city, he's like, oh, got a feeling that people want to disconnect from this chaos, right? To grow food because health is very important and stuff like this. So I think that is what we will be witnessing to a certain degree, Josie, okay? I think rural land, farmland is going to possibly kick up in price. I don't take, you know, take it with a grain of salt and it depends where you live and whatnot, right? But a lot of people are sick and tired of this current economic system and that is an escape for them, right? It is freedom for them, right? Scoops, I am well. Good to hear, good to hear. Hooper, how you doing? Good evening, Chicho. I hope you're well. I am enjoying listening to discussion, this discussion and learning is well awesome. And people are sharing good information, which is fantastic. Scoops, you're touching on my points. When the unfunded liberties are out of control, what do you believe the end game is? How does one short the dollar itself? I think we are near the collapse and want a strong hedge. Scoops, I'm not on the opinion that the U.S. dollar is going to collapse, right? Unless, I mean it's going crazy in the United States right now, right? Everybody knows this, right? And Wall Street, Hollywood, DC, the technocrats don't want to give up the ghost, don't want to give up power that easily, right? They're getting on their knees dressing up as little clowns and getting on their knees and pretending that they give a rat's ass, but they don't give a rat's ass, right? They are the enemy. Okay, so if things are going to do a nice quiet rollout, then the U.S. dollar might get stronger, right? If the U.S. continues to do scorched earth mentality where stars continues to destabilize different regions and people are money, really, because what you have to consider is this, right now there's a lot of money that is invested in a lot of places seeking yield, right? They're seeking interest because they made promises, that's their expenses. If they need their investment to grow 3% per year for them to break even, they're looking hopefully to get a little bit more than that, right? To break even and fight inflation, get a little bit more than that so they can pay off their investors, right? Right now what we're seeing is a lot of money chasing higher and higher yields, right? And they've invested in a lot of fragile countries, regions, corporations, whatever you want to think about it, everywhere, right? Property everywhere, right? Once, and by the way, I think this is the beginning stages of serious turmoil coming globally, economically, politically and whatnot, right? If a lot of places start going down, where is that money going to go to? Which countries do you think present themselves as being some of the most stable? Right now the United States doesn't look too stable, but we'll see where it goes, right? Canadian dollar is going up because seriously it's gone from 70 cents to 75 cents, right? It went from 69 in the last couple of months to 75, 76. So that's anywhere between four cents to seven cents increase in the last two months or so. In the last month, that's at least four cents, right? That's a lot, that's a lot, right? For currency to go up in price. Why is it doing that? Because people are putting their money into Canada because they think it's stable, right? Now meanwhile, people don't consider that what is it? 80% of the trade does is with the United States and the borders are closed, right? And if the United States goes now, we're going to go down, right? So it's a lot, it's a game, it's a game. It's interesting. Hannah, how are you doing? Thoughts on penny stocks? I follow a Reddit group and many of them work nicely. Oh, I've heard that before, Hannah. Penny stocks? You're a trader, right? Just trade in and out, right? You can make good money on them. Zabrowski, Chicho. Morals aside, morals aside. Oh, morals aside, you could make mint money, man. Long-term index fund investing, S&P 500, total market, etc., using a low commission self-directed account, using tax-free accounts also, etc., is almost the most brain dead way to have a healthy retirement. I'm retiring about 15 to 20 years early. Morals aside, okay? Zabrowski, here's the other kicker, right? If you look at the stock market, look at the stocks. What has been going on in the last little while, in the last 50 years, 60 years, right? Stocks were like this for a long period from the 1930s, 40s. We looked at this, by the way, looking to our personal finance playlist gang. We did a whole bunch of stuff. We did comparison between stocks and land and wages and CPI and comic books and Bitcoin and funds and Wall Street and different things, right? Look at the growth rate. But stocks have been doing, you know, we're staying pretty stable, right? From the 1940s or whatever up to 1970s and stuff, late 1970s, 1980s and then 1980s, they went up a little bit. And in 1990s, boom, internet technology kicked into gear, right? And stocks went up and then did a nice little crash and then went up again in 2008 and then nice little crash and then went up again and then went up again crazy, right? So my question to everybody is, they have been amazing in investment for the last 40, 50 years. Is it going to continue? Your choice, right? Morals aside. Now, if you're doing the S&P, and by the way, keep this in mind, look into our personal finance, look up something called differential accumulation. If you're playing that game with the S&P and stuff like this, you're looking at the averages, right? So if you're getting 5% per year return, which is fantastic, by the way, in this market right now, 5% return per year is fantastic, right? And the averages are 2% you're making 3% mint above the averages. You're doing a phenomenal, right? But if the averages are 10% and you're making 5% in the limit, you lose, right? So there are different games at play morals aside. Put the morals in there. Man, it's a different game. Okay. I love board games, Smith, Me Too, Graham, Cheers, YouTube brother, YouTube, all the best Graham, by the way. Sorry, my phone crashed. I'm back. Spider-Man, how you doing? Elder God, make 65,000 pounds last year. I was planning to travel this year, but that's canceled now, unless it's Thailand in December. Nice. 65,000 pounds. That's pretty good though. Elder God, not bad. Yeah, Thailand. Nice in December. I've never been. I had a lot of friends that have gone there. They love it. I want to visit Japan so badly, Spider-Man says. Okay, gang, I'm scrolling down. Hey, what's up? I'm not active on Twitch. I just follow every streamer I watch. You're, uh, I watch you. You're welcome. Thanks for popping in. Catholic traditionless. Chicho, even a farmland does not appreciate a price. You can make it into a performing asset. You can build a house on it, raise livestock on it, grow crops on it, etc, etc. I generally recommend, if available, land that is mixed of pasture and timber so that you have still yet another asset, the timber to make use of. Great recommendation. That recommendation, keep in mind gang, right? You can bring, there's portable mills where if you buy land, there's wood there and wood that you can harvest, right? You have the right to use that lumber, right? And most land you're allowed to cut certain amount of trees and use that lumber. You can use that lumber to build your house, okay? If you have flat land, you have grassland, you can put up a little fence and throw sheep on there. Done deal, right? I know it's not as easy as that, right? I know that, right? But it's a learning experience. You get your hands dirty. You have a better connection with the land and a better appreciation for the land. And if you can make itself sustaining, you can grow food, right? You have healthy food, right? That is going to keep you healthy. And then the long run is going to reduce your medical expenses, right? So it's a long-term investment. It is what Catholic traditionalists mention, making you anti-fragile. You're not at the whim of the markets, right? Tomer, I want to follow you, but you lack so much and you are the only one. Well, that's unfortunate. I hope we get sorted out. Lord Cutley, how are you doing? I get like one hitch every couple of hours, maybe. Seems fine, yeah. Scoops. I am interested to hear that you are confident in the performance of the dollar at the point which the Fed is issuing negative rates on T bonds. I cannot imagine any way they bail themselves out of the hole, the others that. Here's the thing, Scoops, right? The US is doing this, right? What's Europe doing? What's Japan doing? China? Russia? Russia is pretty stable, man, right? Which other currencies right now are on the same level as the US dollar, right? Euro is just garbage. Euro is useless, right? Euro is garbage, right? There's a word out there that they might convert everything to digital so they can control things, right? Roll over bonds and stuff like this. So it's not what's going on with the United States relative to historical measures. It's going on. What's going on with the United States relative to its peers, right? It's about differential accumulation, the difference, right? It's all relativistic. So you have to look at things globally and decide, hey, United States looks ridiculously bad, but the other places are burning down, right? That's one of the reasons Canadian dollar has gone up, right? Here's the thing, in the 2008, I think 2008, I can't remember when this happened. Look at historically, the Swiss franc went up insane, right? Because people thought it was a safe place and the Swiss franc had gone up so much. People were like, this is ridiculous, it was a bubble, right? And I'm pretty sure the Swiss franc, all of a sudden the value of the Swiss franc collapsed over, not collapsed, but came down a lot relative to where it was because people realized it was overinflated, right? So again, it's about money moving around. Where are they going to park their money? For how long they're going to park their money? What's the turmoil taking place? The United States is in turmoil right now. We'll see how this plays out, right? We'll see how this plays out. Geech, what's your opinion on capitalism? Is it the optimal system? No. Which capitalism? Which market? Which type of capitalism? Japanese capitalism? Chinese capitalism? European capitalism? Russian capitalism? American capitalism? There is no, like, crony cat, like, people call it capitalism, but it's that one umbrella doesn't fit everything, right? Is there a better system? Most definitely. There's so many amazing type of systems we can roll out. A lot of them have been written in science fiction books and stuff like this, right? A lot of them are communal based, right? This is definitely not the most optimum system we can live on there. This is the people that say this is the most optimum system that we can live on there have zero imagination, right? Zero imagination of what life humanity could be like, right? They need to take a little break and turn the boob tube off and stop reading all the economic papers and stuff like this and start just letting their mind flow freely, right? Start reading some non-economics, uh, academic books or academic news or propaganda and start reading certain people, philosophers that have an idea, that have a proposal as to how we could live in a better system. There are definitely way better systems around or could be around, right? Thanks, Chichou. My pleasure, Zabrowski. Okay, gang, I want to scroll down to see if there's anything towards me. Catholic tradition of Chichou. Good point on using the timber to build your own house. This is exactly what my youngest brother is doing. He bought a mill and is building a house with the timber on his property. Of course, he also has a convenient living labor force with all his children. Nice. Awesome. Yeah, fantastic, right? And by the way, once you go into a rural area, more rural area, the regulation, the limitations of what you could do with your property go away, right? There's a lot of bureaucracy and paperwork and expenses related to building homes in more densely populated areas. If you go more in the rural areas, then you don't have the regulators coming in and saying, we need to inspect this, this has to be this, this has to be this. There's places in British Columbia right now and I'm pretty sure all over the world where there is no building code. You could go out there and you have an imagination, right? There is a home you've always wanted to build. Maybe that home you always wanted to live in, you thought about it when you were in grade eight and that or eight years old or 10 years old or 13, 15, 20, 30 years old where you always dreamed of living in this type of house and there's no way you could build that house with the money that you have in a city because just the regulation, the cost, the bureaucracy of doing that will make that house cost you two million dollars or a million dollars to build. Guess what, right? Go to a rural setting. I don't recommend this but go to a rural setting and do a little cost assessment, right? You'll find out that a house that will cost you million dollars to build in the suburbs or in the city might only cost you five hundred thousand dollars to build in a more rural area, right? As long as you can get the timber and everything there, it might take you longer. You might have to put the work in, right? Some places it'll cost a lot more. You have to bring the lumber and you have to bring the workforce and you have to bring the cement trunks in. You have to bring all that jazz in, right? So it really depends where you live. It really depends where you live. I'm scrolling down, I'm scrolling down. But Catholic tradition is exactly right. So Catholic tradition is exactly right. There are very few zoning and building codes where most of my kin lives. I would not be surprised if my youngest brother has a still set up on the back 40, has a still set up on the back 40. Nice. Catholic tradition is chicho. I should be careful. I might give the impression the Ozarks folks are more like those in that TV show that Archie let on. Which wouldn't be a bad thing. Man, life there without the money launders seemed like a pretty good place aside from the opium production, right? But hey, end prohibition, right? Twitching Jason, how are you doing? Evening gang. Hope everyone's doing awesome. We're doing fantastic. Having a great discussion, by the way. This is a fantastic personal finance investment discussion we're having. I like it. Twitch, how old am I? According to the Mayan long count calendar, I am an elder. Lemon meringue pie. Lemon meringue pie. Look at that goodness. Look at that goodness. Very delicious. It is fantastic. Oh, elder God. Zabrowski just washed bloodshot. Oh, blood sport. I was there during the filming of it. Catches the vibe while Goldilocks. Great answer. Listen to your elders that have large goatees, right? Tea. Twitching Jason. I'm going to have to watch the replay. I've been really curious about your take on investing in real estate for a while now. Yeah. And real estate is a funny thing, man. I've seen people, I've seen people, developers, man, they go, oh, prices are too high, need to pull out, and they pull out, and the market continues to rise up, right? And it's just like any other type of investment, right? You pull out, the market continues to rise up, and then you have to get back in the game and you're getting back in the game at a higher price, right? That's one of the reasons. That's one of the reasons, by the way, a lot of people are afraid to step out of market because they think the market is going to leave them behind, right? And that includes investing in stocks and real estate and comic books and records and collectibles and gold and silver and whatever you want, right? So my advice is always this. If you want to stay in a certain market, right? If you're afraid that the market is going to get away from you and you don't want to completely pull out, just downsize. Take a little money off the table, right? Downsize a little, right? Let's say housing market goes off through the yin and yang, right? Your property is not worth a million dollars. You think it's overvalued 20%, right? Then sell your property. If you're in the game for investment, this is not your living. I personally, when I buy property, it's not going to be for investment. It's going to be for long-term stay, right? I'm done. Our family was in it, flipping houses. It's too much, man, right? Our family in Vancouver, over the last three decades, built 75 plus large-scale homes and some other stuff and whatnot. I've seen things come up and go and move, right? It's taxing, right? And I've seen people in that game, family, friends, and all this jazz, right? But I lost my train of thought, but if you want to buy it to the same market, let's say your house is worth a million dollars and you think it's 20% overvalued, right? And you're willing to move, right? So you decide to sell that house, but you need to live somewhere. You decide to downsize. You go live in a house. You go buy property that's $500,000, right? Your moving expenses, let's say, are $10,000, right? So you sold a house that was a million dollars, that was 20% overvalued. That's $200,000 overvalued. It costs you $10,000, right? To do a move to a house that's $500,000. Now, if that house, $500,000 is also 20% overvalued, then that's $100,000 overvalued. So you sold something that was $200,000 overvalued, spent $10,000 to move, went into a house that is only $100,000 overvalued, and you pay that extra fee. That means you've pocketed $90,000, right? Let's say the market does a correction and house prices come down, right? Your million dollar house is now worth $800,000. The one that you sold, the $500,000 house is now worth $400,000. But here's the kicker. Property that is worth higher. When the market crashes, it drops more than the property essential properties, right? Then what you can do is say, okay, you know what? I had $90,000 in the bank. I put it somewhere else that's giving some kind of yield. I didn't lose that. That's capital. What you can do is buy back into the higher end, right? Never be afraid to take money off the table. Scoops in your profession in the field of economics. No, my profession is not the field of economics. I have a great interest in the field, but seen no way to make a career besides teach or be evil. No, not necessarily. You don't have to be evil, but I personally wouldn't get into the field of economics, right? For me, economics, through universities, is more about indoctrination, right? You can learn how the economic system works right now in our current societies, wherever you live, by reading books, by playing in the markets, right? Whatever market you want it to be in, right? You can learn about all that jazz on your own. Now, the question is, there is information there that you can use, you know, figure out what return on our assets are, inflation and all this jazz, right? That stuff is legit no matter what market you're in, okay? But getting a degree in that, why not go get a degree in something where you can use your economics to advance yourself in that field, right? You have the most soothing words. Gangsta. Liam the Gangsta. Thank you very much. I'm calming a gangster. That's a good thing. That's a good thing. I gotta do that. ASMR Catholic Tradition says, you should hear, say, it's the marm addition of System of Down's prison song. I gotta do, I gotta do ASMR version of System of Down's song, at least one. And if I do that, I'm gonna do one, Nina Simone one as well, by the way. And when I do that, I should say, when I do that, because I will do that. I'm scrolling down. Man, I have no idea what he's on about, but I'm loving it. Awesome. Liam the Gangsta. Welcome to our live stream, brother. No sister, of course. Liam, no, Liam is a brother, right? Twitching Jason. Have we talked about have we talked at all about the role of debt in real estate investing? I'm personally totally against taking out debt for any sort of investment, though I know the term leverage is thrown around like crazy among real estate investors. Twitching Jason, here's the kicker, right? Our current economic system functions on debt, right? It functions on enslavement. And who do people owe the money to? Well, the moneylenders, and who are the moneylenders? Well, the people who have co-op the government, right? To give them, convince the government and the population that it's okay for them to get interest-free loans so they can charge you interest to get your loan, right? Twitching Jason. Our current economic system is built on debt. I agree with you. Back in the olden days, people would never go into debt the way they are right now, right? They knew better, right? The way they are right now to buy a house, they would just save, save, save until they had the money to buy something, right? This insanity was unheard of decades ago, okay? But because our current economic system is not there to empower the citizens of a nation, it's there to make sure money flows upward to those who rule over us, right? That is a system that has been created right now. How are we going to change it, right? We can decide not to participate in it, which is not a bad idea, right? We could also decide to build communities that collectively you can resist the pressure from the globalists and the Wall Street bankers and the money lenders in the centralized state, right? It takes time. It takes effort. It took decades to come here. It's going to take decades to get out. Possibly, unless we have major events happening, right? Since the discussion is intended to be about housing, what is your opinion on the condo market? Where scoops? That's the kicker, right? Where? Like, people were loving condos. They were going off and press for a while, right? R.J. Push Play, Chicho. I found you through ASMR, so that makes me curious. Do you watch ASMR videos? Do you have any favorite artists? Right now, I haven't been watching ASMR videos. I do watch Rafi Tafi every now and then. Okay. I like him. I've talked to him before. Three years ago or so. We're almost going to collaborate together on a video, and it just didn't work out. We both got busy and stuff like that. So I like Rafi Tafi. I like his demeanor. He's a nice guy, man. I talk with him. He's legit. Okay. There is ASMR. Oh, man. What's his name? I haven't gone to his channel for a while, so... Okay. Hold on. Let me find. Because... Oh, can I find it? Can I find it? Oh, man. It's going to be so hard. Hold on. Hold on. Hold on. Oh, it's on my other computer. Oh, hold on. Hold on. Oh, wait, wait, wait, wait, wait. Do I have it? Oh, yeah. Check this out. Terar, the... See, the kicker is... I can't pronounce his name. He's very good. I'm going to give you guys the link. Okay. Terar de gulio. Terar de gulio. Dr. Andrew Michaels is Terar de gulio. So, him I watch, and he's an amazing person as well. Right? It's a fantastic ASMR artist. Fantastic ASMR artist. Okay. There's another person. Man, do I have it? Do I have it? Do I have it? This isn't it. He does a lot of educational ASMR, and he's fantastic. And he actually put out a video a while ago as 10 of his favorite ASMR artists, and he mentioned me as one of them. And that was a huge huge surprise. Oh, man, I can't believe I forgot his name. I just haven't checked him out for a long time, right? He's not going to be here. He's not going to be here. He's not going to be here. I won't be able to find it, man. I'm sorry. Very unfortunate. Very unfortunate. Yeah. That is what it is. Sorry. But if you remind me, I will link it up in our Discord page. Hannah, today I'm going to light up some herbs, and my girlfriend yells out in the middle of us making dinner. Not when I smoke weed, teacher. My mouth dropped. Then I said, I love you. Nice. That was a good love. I know you were talking about RJ Plush Play. Nice. Good, good, good, good. I feel like, if you like Tarar, Daniel, I probably like, yeah, Ifram Rift. Iframal Rift, I looked at a long time ago, and I like his work as well. I just don't actively watch his stuff. I'm not really huge into role-play stuff. But his work as well is good, Lord Cuddly, for sure. There's some amazing ASMR artists out there, and the community is phenomenal, man. The community is phenomenal. The mic sounds amazing tonight. Nice. Might be the Herb's brother for educational. Let's find out ASMR. ASMR. I believe so. Let me check this out. I believe so. I believe so. I believe so. He's a blonde hair guy. Yes, that is him. Thank you very much. Thank you very much. That is exactly who it is. And the other ASMR artists, and he's a fantastic guy, by the way. Phenomenal. Let's find out ASMR. Okay, and here's his YouTube channel. Let's find out ASMR. Fantastic ASMR artist. Fantastic, very good, very nice person, man. For me, I'm attracted to good people. I want there to be there's got to be hard in it, right? And that's exactly it. The French whisperer I don't know, and yourself. For educational, let's find out ASMR. The French whisperer I don't know, and yourself. Thank you very much for the love, RJ Push Play. I appreciate it very much. And thank you for telling me what the name was. I'm so bad at names, man. Unbelievable. Virtra. Chicho. One ASMR person I love is decaf math ASMR. That's right. And I decaf math ASMR. I've talked with her before. We communicated a little bit. Just texting when she first came on. And she really loved my math stuff. And she's fantastic, very, very kind hearted person, and a very good person as well. Okay, and she does fantastic work. And her mathematics is legit. She's there to help people learn math. And she's very good, very good. Every single one of her videos is a math lesson. She's a really good math teacher. Yeah, I agree with you. Okay, decaf math ASMR. She popped on our live streams, by the way, a while ago when she was we're live streaming like a year and a half ago, when she was just getting into the ASMR stuff. I pronounced her name totally incorrectly. And she was just laughing. She was just saying that she chose pronouncing my name totally incorrectly. And she was just laughing her ass off, right? So decaf math ASMR I highly recommend as well. Okay, Therese, Therese, Therese Tarar's stuff got a little too experimental for me. Yeah, I'm not into the role play. That's the kicker. I like him because of who he is, how he presents himself. And he's 100% sincere about the stuff he does, right? I follow his Twitter feed, right? And let's find out ASMR. I also follow his Twitter feed as well, but he doesn't pop up on my feed too often. Some somewhat, right? Yeah, let's find out ASMR. Highly recommend. If you like educational ASMR, fantastic, really. Okay, same with decaf math ASMR if you're focused on the mathematics. Okay. Yeah, his planet and space videos were really good. Nice. French Shakespeare is amazing. Long videos of all sorts of history. Definitely a recommendation. Okay, awesome. If you guys can, we've got an ASMR folder on our Discord page. Give you recommendations, man, right? Give you recommendations. It'd be amazing. I drifted away from the super intentional style of ASMR, like role plays and stuff and started preferring more chill and meaningful content like yours. Yeah, thanks, switching Jason. And that's what I've really been into from the get go, right? I like information. I like education. I only, Graham says, I only listen to unintentional these days or super aggressive Indian massage these days. Nice, the air massages and stuff. I've watched a little bit of that before too. Oh wow, cool that you guys know each other. Fun. We've touch base. I'm not too embedded within the ASMR community. I just do my thing, right? I just do my thing and there's certain people that they've either reached out to me or I commented that we get to talk and stuff like this. For me, I'm sort of a solo gorilla style operator, right? I think that comes from my desire, need, need to live as a free human being and have, and my selfish nature of not wanting to take on responsibilities, right? Spider-Man says, I met your feral riff back in 2012 when he had a small channel spoken to him many times. Nice, nice. He seems like a very nice guy too, the Spider-Man. He seems legit. Bonnie, Bonnie Henry is ASMR goal. I don't know Bonnie Henry. I don't know Bonnie Henry. Fun, we're almost sent to two hours gang. We had great discussion about investing in housing and stuff. I hope more, more, more lemon meringue pie, more lemon meringue pie. Look at that goodness. Look at that thing. Oh, nice. Nice. I love that. Oh, my meringue is falling off. My meringue is falling off. Look at this thing. Yes, yes, yes. Oh, Bonnie Henry, the BC health authority person. Yes, I do. Thanks, Smith. I've listened to her on the radio when I've been driving. Yes, I never connected it. Bonnie Henry is ASMR goal. Bonnie Henry is a provincial BC health officer. Yeah, that's too funny. Smith, that is too funny. Super funny. By the way, we've got two people from here from BC. Hey gang, how you doing? Fun. Yeah, yeah. Actually, because I don't watch TV and I haven't seeked her out online. I've only heard her voice. I've never, I don't know what she looks like. I've just heard her voice, right? When she's been on the game, right? She stayed on top of things extremely well. Like really huge respect to her, huge respect to her, right? And I says that by looks amazing. And if I was a high, it would even, even more amazing. Elder God, things open up next week. The mask menace comes. Yeah, mask menace come. Yeah. It's good. We'll see what happens in on in New Brunswick, I believe, or Nova Scotia, they flatten the curve and then things are kicking up again a little bit. So she's the only lady in my life, COVID updater. They can be only one, they can be only one. Fun, fun gang. Fun stuff. I gotta finish the meringue pie. I'm gonna have a sip of tea and finish the meringue pie. It's a more gold day. By the way, I'm watching Transylvania. The animation is pretty good. Thank you for the recommendation. People recommended that. So I started watching it. That is great. Super fun. Catholic tradition of chicho. I'm having a bit of a snack and be sitting here with celery and the homos. Celery and homos is pretty good. I wish I had a piece of my mom's butterscotch cream pie. Oh, yeah. Nice. Oh, Castlevania, not Transylvania. Thanks, Graham. I'm watching Castlevania right now, the Netflix series. I like the pirate babe. Well, fantastic. What are you guys snacking on, by the way? Catholic tradition is eating celery and homos. Any thoughts about Canada adding incels, male, virgins to terrors? What? I don't think they've done that. Serious, hilarious. I don't think that's happening though. What's my favorite movie genre? So Riley Chan, for real, asked me, what's my favorite movie genre? Science fiction. I love science fiction. The problem is, difficult to make very good science fiction movies. Smith Nandos. Oh, you're eating Nandos. Well, not because it's Nandos. I would like to have a Nandos that's organic chicken with the sauces all being organic and stuff. Club sandwich. I love club sandwiches. Club sandwich. So delicious. Smith, Chicho. They did do that. What did they do? What did I say? I forget. Oh, Chicho. I'm on Babylon 5, season 3. Now, you're on season 3. For me, because I'm watching it with my partner, I can only watch Babylon 5 with my partner when she's not working and stuff like this. She doesn't have other things to do. So we're on episode number 6 of season 1. We watched the first movie and we're on episode 6 of season 1. And gang, if you like science fiction, watch Babylon 5. Fantastic series. I'll give you a little thing that on the last episode that happened. It was beautiful, beautiful. They live on this space station. And every episode, it's like a Star Trek thing. It's like Star Trek basically. So every episode, there's certain things that happen. And there's a huge philosophical aspect to the episodes, to the discussion. So in this episode, it was all these different races are living on this space station. And it's sort of the only place where all these races are really interacting on that level. And they decide to have a day or a week of celebration of different traditions and stuff and religions and whatnot, right? Philosophies. So all these different religions, these different, not religions, these different aliens start doing their traditional this, you know, this is their ritual, religious ritual, this is this, this is this, this is this, right? And the earth people that are running this space station, they're supposed to do theirs, right? And the captain that's needs to plan this thing out, he hasn't figured out what to do yet. At the end of this episode, they have the major representatives of the five major or four major races that are on that station, right? Waiting for the captain to come to show them what he's prepared for them, right? Because he's having a hard time trying to represent the human race as the major ceremonial spiritual representation of what the human race is, right? And then he goes, Oh, okay, I'm here. And then all those right, all those people follow him. And he goes into this room and says, Okay, here's the major ceremonial religion or spiritual beliefs of this, of earth. And he goes to the first person says, Okay, this is an atheist. This is, you know, they shake their hand. This is, this is a Christian. This is a Muslim. This is Jewish. This is Hindu. This is Buddhist. This is this, this is this is and the camera, right, as they're shaking hands, right, moving along. And he keeps on saying all these different beliefs and the camera just keeps on rolling by. And there's dozens of people lined up representing the human race as being the philosophical representation of what we're all about, right? Beautiful, beautiful, right? And this came out when 1993, right? When was it written? Probably 1980s. Elder God knows this, right? And by the way, Elder God has a discord page on Babylon 5. And he's sharing a lot of emotes and stuff like this. So I recommend if you like science fiction, if you want to know about Babylon 5, Elder God has a discord page on Babylon 5. And I recommend watching it. Hannah, what I don't get is COVID is so serious. Why do governments allow all these protesters to go out and infect everyone? Hannah, here's a kicker, right? A lot of the pictures that I've seen, videos I've seen, protesters, people are wearing masks, right? Not a bad idea. They're wearing masks. That's okay. And why should the government be allowed to let people go out? Like, I don't, I didn't agree with lockdowns, either mandatory lockdowns, right? That gives too much power to centralize states. I think people should be educated enough to know that there's something going around, and maybe it's not a good idea to interact with people, right? Unfortunately, indoctrination centers haven't educated people to a level where people are making wise decisions, right? But so be it. Maybe, well, we'll go down that road, right? I did agree with recommendation that things should shut down. Okay. I don't believe that centralized states should have the right to force people to not go out, right? Using violence. They can violate social distancing with thousands and risk the health of the entire population, but I can't have a baseball practice with my baseball team. It's absolutely insane. To a certain degree, yeah, I agree with you, Hannah. It is absolutely insane. But when you guys are playing baseball, where you guys are going to wear masks, right? I don't have an answer for you, Hannah. I can honestly tell you that for me, as far as I'm concerned, the physical distancing is a good thing. Businesses that decided to close on their own, and there were some that said, you know what, this is getting a little out of hand. We're going to close to keep our employees and our customers safe, right? I agree with that, personally. But I don't believe the centralized states should be allowed to use force to enforce that, those laws on people, because we know what centralized states do, right? RG push play. They are protesting despite of COVID. They are putting themselves at risk for something necessary for change, unfortunately, unfortunately. All right. I have more toilet paper. Hello, welcome to the stream. After Ninh Chí Cho, after watching Chernobyl last night, I found myself transporting radioactive material, listening to you, educators, as is, educators all is keeping my anxiety down. What a, what a series, by the way. What a series, by the way, I think, I think, oh, the Chernobyl, yeah, I watched the first episode, and then I watched half of the second. It was just too dark for me. I stopped watching it. And there was a, there was some propaganda in there, by the way. Keep that in mind. Okay. Catholic traditions. I'm still working to find time to enjoy some of those enemy recommendations you all graciously provided some weeks ago. Hope to find that time soon. I hope you enjoy Star Wars or Star Trek, Star Trek, without a doubt. Riley Chan. Star Wars, the animation that the Samurai Jack Growsky or something made with Star Wars is good. And the original Star Wars movies are good. Return of the Jedi Star Wars. What do you call it? Not the Return of the Jedi. First Star Wars, Empire Strikes Back. Return of the Jedi was great until the Ewoks came in. It was still fantastic, by the way. Don't get me wrong. But Star Trek without a doubt. Star Trek without a doubt. In response to the Catholic traditions, in response to the morals aside issue, my grandfather, a man with little formal education but tremendous wisdom, once told me that there are few things easier than for a dishonest man to make money. He left, he left it to me to realize that the cost of money made this way was way too high. 100% agree. You put your morals aside, you could make money. You could make mint money. But you lose something. You lose your humanity. And once you lose your humanity, man, very difficult to get it back. And that is the biggest loss you could ever, ever, ever encounter. Catholic tradition is chicho. Good point on using the timber too. Oh, did I get kicked? Oh, I got totally kicked up. Woop. Something happened. Oh yeah, because we ended up having trolls. Graham had to take care of business. Okay gang, we're into two hours. Should we call the stream? Let's call the stream gang. Thank you for being here, by the way. Fantastic conversations. A fantastic discussion. Great recommendations. Ah, okay. Thank you, Moz, for taking care of business. Aside from that gang, I am on Patreon. If you want to follow this work and support this work, Patreon, you can subscribe to, you can follow. If you do have the means, supporting this work through Patreon is fantastic. I don't put anything behind paywalls. Everything is creative commons. So you can just follow the work and take a look at what we're sharing, what type of information, content we're providing. And in the, in the future, if you decide you do have the means and you do have the funds, you want to support this work, Patreon is a fantastic way to do so. We are live streaming this on Twitch, twitch.tv backslash, Gicho live, C-H-Y-C-H-O-L-I-V-E. Okay. You can follow, subscribe. It's also a fantastic way to support this work. If you want to participate in the chat live, Twitch is where you want to be at. I do announce these live streams on Twitter, Gabs, Mines, VK and LO and share additional information so you can follow the work there if you want to know what I'm up to. Okay. I will be uploading these discussions to SoundCloud in audio format as podcasts, basically. And that's soundcloud.com backslash, Gicho, C-H-Y-C-H-O. Okay. And this should be available on your favorite podcasting platform. If it's not, let me know. I'll see what I can do about it. Okay. As for the video, we will be uploading this to YouTube and BitShoot. Everything goes to BitShoot. So if you want to follow all our work, you want to subscribe to BitShoot, turn on the notifications. Okay. Almost everything will go on YouTube as long as the sensors will not de-platform us. And they are tightening their grip further and further. So there might be certain content that we will not be loading on YouTube for much more, much longer. But if you are on YouTube, we got to prove for YouTube membership. And joining through YouTube membership is also a fantastic way to support this work. Okay. Aside from that, gang, I hope you guys have a fantastic Tuesday evening. Okay. Have a great rest of your evening morning. Be blessed. Pax vabescom. Okay. I think that's just says. Peace, everyone. I hope you have a peaceful day, peaceful evening, peaceful morning. And if you can make it on Thursday, two days from now, we're going to do a math live stream, drop in math tutoring session on Thursday, I believe, 2 30 p.m. Okay. The odds are that might be our last math stream live drop in live session for this school year. Okay. We'll see what happens because a lot of schools in my area are closing at the end of this week. Okay. Or next week maybe. Okay. So math stream on Thursday at 2 30 p.m. Aside from that, bye, everyone. I hope you have a fantastic, fantastic next couple of days.