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Hey, it's Marie Forleo and you are watching MarieTV, the place to be to create a business

and life you love.

This is my dear friend, Gregory Patterson.

Today we're here to take your questions, and we're going to do our very best to help give

you some insight, some perspective that can help you move ahead.

So let's get started.

Hi.

Hi Salma.

How are you?

Oh my God.

I'm very well, thank you.

It's so good to talk to you, Salma.

Where are you today?

I'm in Pakistan.

Oh, beautiful.

Well, we're sending you lots of love from New York City.

Tell us your question and we will do our very best to help you out.

Okay.

So here's my question.

Marie, to what extent do you believe your environment can or should impact your success?

Factors such as where you live geographically, and what facilities you have access to, how

convenient it is to work there, et cetera, are obviously really important for any business.

But what do you do when you find that external factors are holding you back?

How do you either ignore them or overcome them without feeling just utterly hopeless

about things you just simply can't control?

Really, really good question.

Good question, yeah.

I don't think there is anyone right now and I'm raising my hand... you can't see me, but

I am, who hasn't faced this at some point in their life.

So I want you to know you are not alone.

One of the things that I try and focus on in my own life is keeping my attention on

the things that I can control, which is my attitude, my energy, my work ethic, my ability

to be honest with myself when things aren't working, my ability to really let myself feel

what I'm feeling when things are difficult so those emotions go through me.

Here's the deal.

As human beings, we can't just pretend that our environments don't impact us, right?

So we have these things in our brains called mirror neurons.

That's just a part of the way that we operate in the world, which means that we can detect

what's happening.

We can detect other people's emotions, and they do impact us whether or not we want to

realize that.

Same thing with environment.

Right now we're in New York City where we're shooting the show, and I also spend time,

a lot of time actually, outside of New York City.

Because I find that my nervous system is able to relax a little bit easier when I'm around

a lot of trees versus when I'm allowed to around a lot of other people or concrete.

So I'm saying all that to give context, so that for you and for anyone watching, it's

inevitable that our environments are going to impact us.

However, in your case, let me ask you a question.

Sure.

Do you have a dream of moving, whether it's to a new town, a new city, or even a new country?

Yes.

Great.

Do you mind if I ask, are you in, are you in college, are you adult stage?

No, no.

So I'm in my forties already.

I actually have lived in New York City when was around 10 years old, and I have a lot

of work in the US so I travel frequently to the US.

I just came back from San Francisco and Seattle, so I have a lot of clients in the US and I

do a lot of traveling and all of that.

But ultimately my family is here, and I do live here, and it is hard right now to plan

that move because there are just a lot of limitations at this point.

The dream is absolutely there, but there are challenges right now.

Okay, great.

Thank you for sharing all of that because it helps us all understand more about your

situation, and how we can help you set up structures that you can thrive.

And that's really where I would tell you to go next.

So for example, since you have traveled to a bunch of other places, you have that direct

experience of knowing how you feel in different parts of the world, how you feel working in

different parts of the world.

I would ask you right now, where you are, given the fact that it sounds like you must

be there for at least a certain amount of time.

What are some things that you feel that when you do them, you find yourself more relaxed?

Or ways that you setup your environment, whether it's in your home, your office, even taking

a weekend away.

What are some things that you could do to support yourself in having as much good energy

as possible?

Yeah.

That's such a great question.

I would like to say that I think one of the places I find flow is when I'm with people

who are just as ambitious.

I wouldn't say necessarily like-minded, but we're on the same wavelength.

When I have the same kind of energy conversations with people, and it's exciting and it's fun,

and even though I do need to retreat back to my introverted space, but when I am with

people who inspire me, I think I just really like that and really want to open up even

more.

Great.

So if you were to be honest, between you and you, do you feel like that may be something

that up until this conversation may not have been as consistent as perhaps you would like

it to be?

Oh, absolutely.

It's not that consistent.

Okay.

Awesome.

So given what you shared with us, my suggestion would be for you to step up in your own life

and be the leader of creating those conversations.

So maybe it's about once every two weeks you make an invite to invite folks to a restaurant

or your house or some other meeting center.

Where you kind of start to gather a little bit of a creative collective, where people

have ambitions that you all feed off each other's energy.

It's not something that necessarily is for profit.

It's just more of something that's for your soul.

Does that make sense?

Yeah, yeah.

That absolutely does.

Can I ask a follow-up question with that?

Of course.

Of course.

If I wanted to do you do this in online space, because I just find that I work better globally

rather than locally.

So do you think that forming a mastermind group or something would be the way to go?

First of all, I love that you're bringing this up because the science supports that

people being together in person is one of the most nourishing things.

But I've always of the mindset that all of us are so different.

And I'll tell you that I have connections...

I'll tell you this, recently in my life, things have been really busy for me.

I have some friends that live in New York, but they just live about a half hour away,

that we still Skype.

Because at the end of our work days we're so tired.

Neither one of us is like, "Oh, I can't get on a subway," or "I can't get up there."

To your point, absolutely.

I've found online connections to be so incredibly nourishing.

They can fill your heart, they can give you that sense of energy and connection that so

many of us are craving these days.

So if that's the route that you want to go, I'd say a 100 percent.

I'll just tell you a little story from our B-School program.

I think one of the greatest benefits of it, we have over, I think it's 44,000 graduates

so far.

People make friends and they make friends across the globe.

They hop on Zoom calls, or Skype calls, or telephone calls or FaceTime.

They wind up connecting and sharing ideas, and often they find people that they would

have never found in their geographical location.

They find business soulmates, and work wives and work husbands.

People that they can connect with, that really help them take their ideas and their business

to the next level.

So I would strongly encourage you to form that mastermind or whatever those digital

connections could look like for you.

Okay.

That's really awesome.

I think one of the other things that I often think about is, how do I change challenges

into advantages?

So, okay, there's a limitation and all of that.

But can I have a different mindset towards this?

How can I think about it differently, I suppose is what I'm...

Oh yeah.

So here's the thing.

All of your strengths in your life, Salma, come from things that were difficult initially.

I can guarantee you, if you took out a journal and started to write down all the things that

you're really good at now, or things that you have found to be strengths in your own

life.

If you trace back those threads, I can pretty much guarantee that at least the vast majority

of them have come from some sort of challenge, or difficulty, or sometimes even pain.

So that gives you a new frame on how you look at challenges moving forward.

Because what you know it really is, is a growth opportunity.

You are going to grow stronger by walking straight into this challenge and finding out

what you're really made of.

Focusing on, "Oh, what is this new trait, or this new strength, or this new capability

that I'm about to develop?"

Understanding that when things are uncomfortable, that means you're growing.

You're in that beautiful...

You know how you were mentioned, "When I'm in flow," right?

There's that flow zone.

If things are easy in life, we actually atrophy.

What we do is we lose our edge when we're in our comfort zone too long things start

to actually wither away and die.

Now, if we push ourselves too hard in the other direction, so we're not in places that

are really difficult, but it's just we've put the difficult level's so high that we

fall down; that's not good either.

But finding that sweet spot where you're uncomfortable and you're willing to stay in that, that's

where your strengths come from, and that's how I would recommend you start to frame these

challenges coming up.

Yeah.

That's awesome.

Thank you so much.

Well, this is a great question.

Yeah, thank you for asking the question.

We're excited for you, we're excited for you to get your group going and we really hope

that you keep us posted on how it goes.

I will.

Thank you.

It's been such an amazing honor to talk with you.

I've been following you for ages, and you were my inspiration to start a YouTube channel

and do weekly content.

And yeah, I mean I just love everything that you have put out there in the world.

Thank you.

Thank you so much and we'll talk to you again soon.

Thank you, Marie.

Take care.

Bye.

Bye.

Hello, this is Yolanda.

Hey Yolanda.

This is Marie Forleo and you're on the MarieTV Call-In Show.

Yes.

Hi there, how are you?

Hi.

We're so good.

You're here with myself and Gregory and Team Forleo and we are so excited to talk with

you today.

Yes, I'm excited to have this conversation.

So tell us your question and we'll see if we can share some insight or ideas that can

help you move forward.

Okay, great.

Well basically as a mom and a recent graduate in the Urban Sustainability Program here in

LA, I wanted to find out how can I basically balance being in business and really working

on social media, generating income, but also having that balance to walk away from the

screen, and be able to take care of myself and my family.

Yes.

Okay, great question.

So let me ask you this, what stage is your business at right now?

Do you have clients or customers?

Or tell me about where you're at.

Yeah, that's a good question.

Basically I've been doing advocacy work for about eight years now.

I'm pretty established from the standpoint of having clients and having followers on

Facebook, but I'm not really generating any income from the social media side of it.

It's more just from the consulting part, but I do a lot of educating and sharing stories

online, and I want to be able to turn that into a more lucrative effort.

Yes.

Okay.

So your business model, I'm hearing, if I got this right, that the consulting is the

revenue stream right now.

And what at least your perspective is it the moment, you want to be able to somehow monetize

the information that you share on social?

Did I get that right?

Yes.

Totally.

Yeah.

Because I show a lot on online, but it's more from an educational perspective.

Yeah.

So I'm going to come in with a perspective that you may or may not like, my love.

But because you asked this question, I am going to give you my answer.

Yeah, sure.

I don't think, personally, social media is the place to monetize.

I think that if you have profitable consulting clients that you should really take a step

back, see what's working and how you might want to expand that business.

So a couple things that are problematic for me about social.

Number one, you don't own those platforms.

That means that you don't own the connection with those people.

And I'm sure since you've been sharing things on Facebook that over time, right, because

you've been doing what you're doing for like eight years, you've noticed that your organic

reach has gone down.

So even the people that say, "Oh my goodness, I want to hear from Yolanda."

They ain't hearing from Yolanda, unless Yolanda is paying for that privilege.

Which is really a bait and switch that Facebook pulled on everybody near a decade ago.

And guess what's what?

Facebook also owns Instagram, and that's happening over there too.

So one of the things that I am a big advocate of, speaking of advocacy.

For like the past two decades now, has been growing and maintaining your own opt-in email

list.

An email list for a modern day business owner is one of the most important assets that you

have besides you, meaning Yolanda.

Yolanda's ideas, Yolanda's, heart, Yolanda's desire to make a difference.

Besides you as a human being, in modern times, your email list is the single most valuable

asset you have.

So long-term strategy, I want to see you building that up.

We talk about all this.

I don't know if you're familiar.

I have a program that's called B-School.

It's an online business school for modern entrepreneurs.

Yes, I'm very familiar.

Yes.

We need to get your butt in there, woman.

The next time that we have...

I applied years ago, actually.

Yeah, so we're going have to just get you, put money in your piggy bank or seeing what

happens when next time comes around, because it's a great, great education.

And I can hear from your voice how committed you are to the work that you do.

What we need to do is just have that business structure underneath you, so that the profits

come in, but they're not going to come in from social.

It's really not the place that I think you should be spending your time.

So to get to your real question, right?

Which is like, "Oh, I don't want to be spending all this time looking at this damn screen,

when I'm a mom.

I want to actually make change in the world and not just be screen-sucking all day."

So this is your opportunity not to do that.

I think what is really going to serve you when it comes to increasing your income is

actually taking a step back, looking at your revenue streams, realizing where's the money

coming from, what am I doing right in that lane, and how I do more of that?

How can I find more of those consulting clients or at a higher rate.

Where can I make more impact in that sense.

In terms of social, girl, if you want to use it for fun, that's fine.

But frankly I think it's a waste of your time.

Yeah.

Yeah, I hear you.

I hear you.

Well, I think that really answers my question from the standpoint of I don't have to and

I really shouldn't be spending too much time on the social part of it.

That's right.

But I can basically just say a word here or there, just to keep...

If you want to.

Yeah.

If you want to.

If I want to, right.

That's the other thing.

And then, but to work on my email list, which I do have thousands of, in where I can go

hundreds, close to thousands of followers.

Then also look at it from a standpoint of business structure.

That's right.

That's right, mama.

And the B-School.

Yes, yes.

Okay.

I'll tell you this.

I want to give you that mindset because again, you're intelligent, you're driven, you're

motivated, you have tons of heart.

I think people spend way too much time on social, like from a business perspective,

it doesn't give them the return.

But I'm also concerned with people's humanity.

There ain't nobody I know that spends significant time of social where they walk away from their

phone going like, "Wow, I feel so great about myself.

I am doing so well."

It's a comparison machine.

You just go on that thing and you walk away feeling like shit.

That's sucks, right?

True.

Yes.

Wow.

Yeah, yeah, yeah.

You tapped into it exactly.

Yeah.

That's right.

You want that good energy to go towards your advocacy.

You want that good energy to go towards your revenue generating consulting clients.

You want that good energy to go towards your child, and towards this beautiful life that

you're living.

Not that tiny screen.

Yeah?

Yes, yes.

Exactly.

Okay.

Thank you so much, Marie.

You're welcome, Yolanda.

Keep up that awesome work that you're doing.

Thank you.

Thank you and keep us posted on how it goes.

We love you.

I will.

Okay, bye-bye.

Bye.

Hello.

Hello.

It's Marie and Gregory's here.

Welcome to the MarieTV Call-In Show.

Hi Marie.

Hello.

Welcome.

Asha.

I was going to say greetings from the UK.

Great.

We are so happy to talk with you.

So, tell us your question.

We will do our very best to give you some insight and guidance.

Okay.

So I am a rollerblading and inline skating instructor.

I'm a recognized global expert in my field with nearly 20 years of experience.

I've made a bunch of video training courses over the last few years, and I'm the first

person to offer online training in my industry, which is great, right?

No competition.

However, I'm having difficulty breaking through the "Why should I buy when there's free stuff

on YouTube?"

complaint.

My paid video products are like a universe away from YouTube freebies, even my own tutorials

on my YouTube channel.

So my question is, how do I single-handedly educate my market?

I'm now offering free trials of all my professional courses.

Would you agree with this strategy and what else would you add?

Okay, so a couple things.

I got a lot to talk about with this one.

This is really, really fun.

Your market is not everyone that wants to learn inline skating, and your market is especially

not people who only want to learn inline skating from free tutorials.

Who I think your market might be, and you can certainly disagree or make an adjustment

here, is your market is the person who don't have time to scour through all those free

things.

Wondering about is this the right way to learn inline skating?

What level am I at?

I think that you should focus your marketing on people that want to learn inline skating

with a dedicated professional, and want to either speed up their learning curve, or learn

particular tricks or certain things to do in a very condensed time.

Because here's the thing, people don't buy information, they buy results.

Right.

That's the deal.

So you have to get really good at understanding who exactly you're talking to and, more importantly,

what are the results that they're trying to get?

Because we're living in an age where tons of information is free.

I mean, I'll take myself as an example.

When it comes to online business information, or marketing information, or anything about

growing an email list, or a blog or creating free content, I mean you can just go online

and you can google and you will find tons and tons and tons of videos.

Some of them are my own about how to do this for free.

Yet we have a program called B-School, an online business school for modern entrepreneurs.

We've had over 44,000 people pay to go through that program.

So, when people are committed to getting a particular result, they are happy to invest

in someone who can not only cut through all the clutter, right?

And tell you, hey, there's a million things you could pay attention to if you're going

for all the free stuff, but all you really need are these four if you really want the

results.

I'd raise my hand and pay for that every single day of the week.

Then we think about sequencing, right?

So if you think about, I could tell you all the digits to my phone number.

But if you didn't have them in the right order, you would never be able to call me.

It doesn't work, if you know the sequence.

I'm sure there are similar analogies with learning inline skating, right?

You can't just start off trying some real advanced trick, because you're going to fall

on your face and probably break your nose.

Absolutely.

You have to do things in the right sequence.

So part of your job as a marketer, my friend, is you have to start to be able to articulate

why signing up for one of your courses is actually going to get people the result that

they want much faster, much safer, and in a way that they can really pay attention.

So know that no matter who you are, and I'm saying this to you because we're talking to

you right now, but I'm also speaking to everyone else who's watching who is also had this question

like, why would anyone buy my information if there's all this stuff out there for free?

You have to know this.

There's always a portion of the market, and they're great customers, who even though there's

the free stuff, there's something about you as a teacher that resonates and they want

to invest in a deeper, better, more entrenched experience that they can count on.

I do think that there is some skepticism, at least I've had it, when going through free

information online.

I don't know if I could trust this person.

I have no one to ask questions of.

I don't know how old this video is.

I don't know their results.

But when I take the time to investigate a paid program, whatever it is, I get to learn

more about that teacher.

I get to learn more about who they are.

Nine times out of 10 I can write someone in support and get a question answered.

So there are a million reasons why people will be happy to pay for something for you,

but your job as a marketer is to do a better job of understanding who exactly your market

is, what the problems they want solved are, and then becoming the best marketer you possibly

can be in marketing your ass off to get them in.

Great.

Fantastic.

Can I ask a follow-on?

Sure.

So one of the...

I've watched enough of your material and many other people's to know that, you know, niching,

or knowing very specifically who your ideal customer is, is super important.

Because I don't have any competition, and because in my real day job of teaching skating,

I teach all levels.

I teach complete beginners, I teach intermediate, I teach advanced, I teach instructors.

So I teach the whole range, and my video courses are also the whole range.

I have classes for beginners, classes for intermediate, classes for advanced.

So there's a whole sequencing of my products, if one was going to go through those stages.

But it's quite hard.

I'm finding it hard to market to multiple clients, essentially.

Yep, sure.

Yeah.

You got to pick one to start with.

The other thing too, I just want to give you another perspective.

You do have competition.

The competition is free.

So just because there might not be a ton of other online skating instructors out there,

first of all, that's not going to last for long.

Second of all, free is your competition.

Because you even said it yourself.

It's like, well, why is somebody going to want to pay for this?

That is your competition.

I would encourage you to look at which segment of the market, whether it's beginners, intermediate,

advanced, or whether there's another category that I don't know about.

Which is the one that you feel that you can help the most and/or is the most motivated

to solve their problem.

Whether it's about learning the beginning of the online skating, or it's people that,

they have the money and they're like, "God, I want to learn these 15 tricks," and again,

"I don't want to break my ass while I do it.

I want to sign up for this course with Asha."

So that's going to be about you choosing one.

It may or may not work, but what I know is that when people try and focus on too many

things at once, they get nowhere.

Yes.

Mmhmm.

Okay.

That's super important.

That's super useful.

And offering free trials of my actual work.

Do you think this is a good idea as a way...

Potentially.

I'm trying to show people that this is, look at the difference.

This is what you would get a on a paid course as opposed to a free one.

Here's the thing.

Let me just, I'm opening up your site right now on my computer.

I know that you can't see me, but I think...

Generally speaking free trials, like it's all about context, right?

So whether or not someone should offer a free trial, sometimes the answer is yes to that

question.

Sometimes the answer is no.

But it's also less about the free trial, and it's more about, well, what's the promise?

What's everything surrounding it?

One of the challenges I think that's happening for you, my love, is that you're focused too

much on tactics up top and you haven't gone deep enough into the empathy and understanding

of your ideal customers.

You don't know the pain points enough yet.

You don't know actually what they want.

And if you do, you're not doing a good job communicating it.

Because some of the results that I've seen on your pages, just like, "Wow, I really learned

something."

"Asha is a great teacher."

It's more about, some of it is about you rather than about, "Oh my gosh, I took this course

and within three days I had these three tricks down.

Before that it took me 10 years to learn even how to get one skate in front of the other."

You're not a B-Schooler are you?

No.

You should be.

I'm just going to tell you straight up, I think that what you have is amazing.

Whether you learn from me or you learned from someone else, you got to learn there's a whole

depth to marketing that sits underneath the tactics that I feel is going to help your

business explode.

Again, I'm biased to my own shit because it's real good and I've seen the results I help

people create.

But you may not want to do B-School and that's totally fine.

But you've got to find a place where you can entrench yourself in the emotional aspect

of marketing, because that's what's going to turn everything around for you.

Yes, I'd very much like to be a B-Schooler.

Well Marie, thank you so much.

You're so welcome.

And Hey, what you teach is awesome.

I want to tell you every time that I see people doing inline skating and I've seen...

Greg is right next to me and we're both like shaking our heads, because seeing people do

inline skating with their headphones on, their headphones off, and they're kind of dancing

and moving around...

It's so cool.

It is so inspiring.

What you do is so, so cool.

And I'm so happy that you teach people how to do it, and be badasses.

Well, it's the funnest thing in the world, literally.

I always tell people that, although I'm selling technique, I'm actually selling that feeling

that we all have when we're on skates.

As long as you're not terrified and stressed out...

See.

I'm telling you, girl... … you're having a fantastic time.

Yes.

So, what you just mentioned is actually a bigger piece of your marketing, that I don't

know if I really see in your marketing right now.

The people that want that feeling of freedom and badassness, there is a whole lot of magic

that could happen.

Again, there's a lot possible here.

You're doing a great job.

I just think that there's a whole level of depth that you can bring to your testimonials,

to your level of focus, to your level of empathy that's going to take it to the whole next

level.

Okay, fantastic.

Well, Marie, I'm about to embark on a world tour which leaves in a few days and I will

be on the road for eight months and I finish up in New York in June.

So, you might just be seeing me in Central Park in June.

Awesome.

All right.

We look forward to that.

Good luck on your tour and thank you so much for sharing your story with us.

It's fantastic.

Thank you so much, Marie.

Have a great day.

Bye, darling.

Bye-bye.

Okay.

Forgot to say something because I got so excited.

This is for Asha and for anyone else, if you're wondering, why would people buy your stuff

when they can just learn it online for free.

You have to google search my name, Marie Forleo, and what if people can learn everything I

teach for free.

We actually did an entire MarieTV episode on this.

We're going to put it somewhere around here.

Watch that episode.

It is damn good.

Greg, what'd you think of those?

Loved them, loved them, loved them.

Did you have a favorite question, or favorite insight on your notes?

Yeah, my notes.

Yolanda.

Yolanda really brought me through it.

And Salma, I love her little creative collective and also where to go to find your flow.

Like something resonated.

I'm like, I don't have a place to go to find my damn flow.

I gotta find a flow group.

Any flow groupers out there?

You know they're going to be hitting you up real fast.

That was really fun.

With that, we're going to wrap up today's episode.

Thank you so much for watching.

Now I'm really curious, which of today's questions or any insights that came out most resonated

for you, and why?

Go leave a comment at the magical land of marieforleo.com and let us know.

While you're there, be sure to subscribe to our email list and become an MF Insider.

You really want to be one, trust me.

You'll get instant access to an audio I created called, How To Get Anything You Want.

Plus you'll get some exclusive content, special giveaways, and some personal updates from

me from my heart, that I just don't share anywhere else.

Stay on your game and keep going for your dreams because the world needs that very special

gift that only you have.

Thank you so much for watching and we'll catch you next time on MarieTV.

Bye.

Hey, are you ready to bring your dream business to life?

Is it finally time to make the difference you were born to make?

Good, because we can help.

Get started now at JoinBSchool.com.

Are you ready for another caller?

I got notes, on notes, on notes on that one.

The place to be.

I don't care if I'm not supposed to do that.

I'm going to put my fucking hands on my table.

For more infomation >> How To Find Your Target Market & Build A Local Targeted Audience | MarieTV Live Call-In Show - Duration: 29:53.

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in this video we're going to have higher dividends now just like the other two

ETF portfolios that we created our goal in building this dividend ETF portfolio

is to focus on ETFs that have high quality companies lots of

diversification and obviously a very good yield so in our last video we

focused on portfolio stability we target a reasonable yield we had about a three

and a half percent dividend yield but in this video we're going after six percent

so we're gonna get a bit more aggressive about it sure we're gonna have to pay a

higher fee for many of the ETFs since they're going to be specialized ETFs but

allowing for more fees gives us more options when it comes to the ETF space

and just like our last video we're going to turn this portfolio into a satellite

portfolio and basically what that is is you have a core set of holdings and then

you have individual holdings that in theory complement a particular objective

of the portfolio so maybe you want to add more diversification or you want to

add exposure to a particular sector or more growth or more value or more

dividends or whatever it might be that will depend on what individual what each

of us individually want to do with our portfolio okay let's get started

so we're going to call this portfolio our monthly high dividend yield ETF

portfolio it's going to contain five ETFs all that pay monthly dividends once

again our goal is to create our core set of holdings and then we'll talk about

customizable satellite positions so our first core high dividend ETF is the

Invesco S&P 500 high dividend low volatility ETF ticker symbol SPHD. SPHD

has a fee of 30 basis points they have about 50 Holdings and they have a

dividend yield of about 4% and just so we're all on the same page for each of

these ETFs to calculate the dividend what I did is I took the last 12 months

of dividends paid and used those added those up and divided by the current

price and that gives us a dividend yield okay

easy enough so SPHD goes after the less volatile large and mid-cap names picked from

the S&P 500's seventy five highest dividend yielding stocks so the whole

ETF ends up looking a lot like the market dose they have they have

companies like HCP AT&T Verizon Procter and Gamble

companies like that but what I like about this ETF is that they have a lot

of traditionally defensive industries like utilities and basic materials and

the less of the more volatile industries like consumer cyclical and technology so

I like this as our first holding and it will act as sort of a core holding on

some of our more volatile holdings going forward and just like we did in the

other videos we're gonna save the weightings until the end of the video

okay so for our next holding we have the high-yield etf ticker symbol HYLD. HYLD

is the only bond etf in our portfolio they have a fee of 118 basis points and

they have over 100 different holdings their fee is a bit high but it makes a

lot of sense because this is an actively managed ETF and that requires portfolio

managers that can do credit and valuation analysis on the corporate bond

holdings they have a dividend yield of almost 8% and generally they invest in

non investment grade bonds those companies tend to be smaller which

therefore gives us more high yield opportunities but a bit more risk

so HYLD gives us our bond exposure okay so our next holding is the global X

super dividend u.s. ETF ticker symbol DIV DIV has a fee of about 45 basis

points they hold about 47 different companies and they have a dividend yield

about six and a half percent and just like our first ETF well this ETF looks

at low volatility names a bit smaller than the first one but they get a bit

more yield they are also well spread out they're mostly in utilities and

financials they have consumer staples they have some energy some communication

services some real estate some health care so they are a well spread out ETF but

they tend to focus on slightly smaller companies so I think it's a nice

complement to our first two ETFs so for our next holding we have the

wisdom tree us mid-cap dividend ETF tickers simple DON DON has a fee of 38

basis points they have bought 400 holdings and slightly more than 2%

dividend yield more than half their holdings are in consumer discretionary

real estate and industrials they own companies like L Brands Kohl's

tapestry Macy's targa resources and because these company this ETF focuses

on consumer discretionary companies well I think that this ETF offers some growth

opportunities that the other etf's don't have so I believe that this is a

good complement to our portfolio because this gives us a bit of growth

opportunities in addition to a 2% dividend yield okay now on to our last

core holding for that holding we're looking at the Invesco KBW high dividend

yield financial etf ticker symbol KBWD now they have a crazy high fee of about

240 basis points and what they do is they're a specialty ETF they hold about

40 companies but about 95% of them are in the financial sector they have the

highest yield in our portfolio at north of 8% but the majority of their

companies are small to mid cap companies and they're in the financial sector and

I think that complements our portfolio well plus it drives a ton of monthly

dividends now I hate the fee but I love the yield okay so now here's how I would

weigh each of these portfolios for our core portfolio and then we'll look at

some satellite positions so how are we gonna weigh our portfolio so I would

make SPHD the largest holding at about 30 percent of the portfolio because I

lose that they offer the most stable monthly dividends it's their low

volatility companies they give us a dividend yield about four percent but I

think that the reliability of those companies is a good stabilizer to make

that the largest position for us for HYLD and DIV I would do 25% for each position

they offer awesome dividend yields near 7% and they help with overall dividends

then for DON and KBWD well they act as solid diversifies and I'll make them

ten percent for each position one focus is on

financials and the other gives us some mid cap growth opportunities okay so now

we have our core holdings what satellite positions should we add to our portfolio

we can pick individual companies just like we did in our investment portfolio

for beginners video you can see it like in the description below again you can see

our Dow 30 list - if you're looking for good companies that could be good ones

to add you can see that list I've also talked about companies like Apple AT&T

Disney those types of companies could be good diversifiers if you believe that

there's an opportunity maybe there is a value opportunity in one of those or we could

stick with more ETF holdings for our satellite positions if you prefer

getting stable dividends from large cap companies NOBL could be nice so that

add some stability to the portfolio we also talked about AMLP which is a great

ETF for high dividends and exposure to the energy markets another interesting

position to consider would be van eck's vector mortgage ETF they invest in

mortgages and invest goes KBW premium yield equity REIT EFT they invest in

actual real estate properties and they both have dividend yields of around 7%

and they're great diversifiers to this type of core portfolio so how do you

like our core portfolio do you like the main holdings would you

swap anything out for anything else what about the satellite positions would you

go with individual companies or would you go with other ETFs to complement it

let me know what ETFs you would add or what individual companies you think

complement this portfolio well let me know what you think in the comments

below and if you haven't done so already hit the subscribe button thank you for

sticking with me all the way to the end of the video and I'll see you in the

next video thanks

For more infomation >> HUGE Monthly Dividends from an ETF Portfolio - Building a High Dividend Portfolio for 2019 - Duration: 8:24.

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3 ways to build a happy marriage and avoid divorce | George Blair-West - Duration: 11:14.

Almost 50 years ago,

psychiatrists Richard Rahe and Thomas Holmes developed an inventory

of the most distressing human experiences that we could have.

Number one on the list? Death of a spouse.

Number two, divorce. Three, marital separation.

Now, generally, but not always,

for those three to occur, we need what comes in number seven on the list,

which is marriage.

(Laughter)

Fourth on the list is imprisonment in an institution.

Now, some say number seven has been counted twice.

(Laughter)

I don't believe that.

When the life stress inventory was built,

back then, a long-term relationship pretty much equated to a marriage.

Not so now.

So for the purposes of this talk, I'm going to be including

de facto relationships, common-law marriages

and same-sex marriages,

or same-sex relationships soon hopefully to become marriages.

And I can say from my work with same-sex couples,

the principles I'm about to talk about are no different.

They're the same across all relationships.

So in a modern society,

we know that prevention is better than cure.

We vaccinate against polio, diphtheria, tetanus, whooping cough, measles.

We have awareness campaigns for melanoma, stroke, diabetes --

all important campaigns.

But none of those conditions come close

to affecting 45 percent of us.

Forty-five percent: that's our current divorce rate.

Why no prevention campaign for divorce?

Well, I think it's because our policymakers don't believe

that things like attraction and the way relationships are built

is changeable or educable.

Why?

Well, our policymakers currently are Generation X.

They're in their 30s to 50s.

And when I'm talking to these guys about these issues,

I see their eyes glaze over,

and I can see them thinking,

"Doesn't this crazy psychiatrist get it?

You can't control the way in which people attract other people

and build relationships."

Not so, our dear millennials.

This is the most information-connected, analytical and skeptical generation,

making the most informed decisions of any generation before them.

And when I talk to millennials, I get a very different reaction.

They actually want to hear about this.

They want to know about how do we have relationships that last?

So for those of you who want to embrace the post- "romantic destiny" era with me,

let me talk about my three life hacks for preventing divorce.

Now, we can intervene to prevent divorce at two points:

later, once the cracks begin to appear in an established relationship;

or earlier, before we commit, before we have children.

And that's where I'm going to take us now.

So my first life hack:

millennials spend seven-plus hours on their devices a day.

That's American data.

And some say, probably not unreasonably,

this has probably affected their face-to-face relationships.

Indeed, and add to that the hookup culture,

ergo apps like Tinder,

and it's no great surprise that the 20-somethings that I work with

will often talk to me about how it is often easier for them

to have sex with somebody that they've met

than have a meaningful conversation.

Now, some say this is a bad thing.

I say this is a really good thing.

It's a particularly good thing

to be having sex outside of the institution of marriage.

Now, before you go out and get all moral on me,

remember that Generation X, in the American Public Report,

they found that 91 percent of women

had had premarital sex by the age of 30.

Ninety-one percent.

It's a particularly good thing that these relationships are happening later.

See, boomers in the '60s --

they were getting married at an average age for women of 20

and 23 for men.

2015 in Australia?

That is now 30 for women and 32 for men.

That's a good thing, because the older you are when you get married,

the lower your divorce rate.

Why?

Why is it helpful to get married later?

Three reasons.

Firstly, getting married later allows the other two preventers of divorce

to come into play.

They are tertiary education

and a higher income, which tends to go with tertiary education.

So these three factors all kind of get mixed up together.

Number two,

neuroplasticity research tell us

that the human brain is still growing until at least the age of 25.

So that means how you're thinking and what you're thinking

is still changing up until 25.

And thirdly, and most importantly to my mind, is personality.

Your personality at the age of 20

does not correlate with your personality at the age of 50.

But your personality at the age of 30

does correlate with your personality at the age of 50.

So when I ask somebody who got married young why they broke up,

and they say, "We grew apart,"

they're being surprisingly accurate,

because the 20s is a decade of rapid change and maturation.

So the first thing you want to get before you get married is older.

(Laughter)

Number two,

John Gottman, psychologist and relationship researcher,

can tell us many factors that correlate with a happy, successful marriage.

But the one that I want to talk about

is a big one:

81 percent of marriages implode, self-destruct, if this problem is present.

And the second reason why I want to talk about it here

is because it's something you can evaluate while you're dating.

Gottman found that the relationships that were the most stable and happy

over the longer term

were relationships in which the couple shared power.

They were influenceable:

big decisions, like buying a house, overseas trips, buying a car,

having children.

But when Gottman drilled down on this data,

what he found was that women were generally pretty influenceable.

Guess where the problem lay?

(Laughter)

Yeah, there's only two options here, isn't there?

Yeah, we men were to blame.

The other thing that Gottman found

is that men who are influenceable

also tended to be "outstanding fathers."

So women: How influenceable is your man?

Men:

you're with her because you respect her.

Make sure that respect plays out in the decision-making process.

Number three.

I'm often intrigued by why couples come in to see me

after they've been married for 30 or 40 years.

This is a time when they're approaching the infirmities and illness of old age.

It's a time when they're particularly focused on caring for each other.

They'll forgive things that have bugged them for years.

They'll forgive all betrayals, even infidelities,

because they're focused on caring for each other.

So what pulls them apart?

The best word I have for this is reliability,

or the lack thereof.

Does your partner have your back?

It takes two forms.

Firstly, can you rely on your partner to do what they say they're going to do?

Do they follow through?

Secondly,

if, for example,

you're out and you're being verbally attacked by somebody,

or you're suffering from a really disabling illness,

does your partner step up and do what needs to be done

to leave you feeling cared for and protected?

And here's the rub:

if you're facing old age,

and your partner isn't doing that for you --

in fact, you're having to do that for them --

then in an already-fragile relationship,

it can look a bit like you might be better off out of it rather than in it.

So is your partner there for you when it really matters?

Not all the time, 80 percent of the time,

but particularly if it's important to you.

On your side, think carefully before you commit to do something for your partner.

It is much better to commit to as much as you can follow through

than to commit to more sound-good-in-the-moment

and then let them down.

And if it's really important to your partner, and you commit to it,

make sure you move hell and high water to follow through.

Now, these are things that I'm saying you can look for.

Don't worry, these are also things that can be built

in existing relationships.

I believe that the most important decision

that you can make

is who you choose as a life partner,

who you choose as the other parent of your children.

And of course, romance has to be there.

Romance is a grand and beautiful and quirky thing.

But we need to add to a romantic, loving heart

an informed, thoughtful mind,

as we make the most important decision of our life.

Thank you.

(Applause)

For more infomation >> 3 ways to build a happy marriage and avoid divorce | George Blair-West - Duration: 11:14.

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How to Make a Wood Cutter at Home - Wood Cutter Making - Duration: 11:56.

For more infomation >> How to Make a Wood Cutter at Home - Wood Cutter Making - Duration: 11:56.

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How To Build A Second Floor in Bloxburg - Duration: 5:37.

Hello everybody and welcome back to another Roblox Bloxburg, today you are going to be

joined by me Art_Princess9 and I am going to be showing you guys a bit of a tutorial,

on how to get a second story in Bloxburg.

Now there are a lot of videos all about it but on my computer it was a bit of a different

way, so I thought I would show you it this way in case you have a computer like this.

So we are going to start by going into "Build Mode".

Let's go to Build Mode, now to get the second story you actually have to buy it so I am

going to show you guys how you do that.

Basically click the "up" arrow is going to pop this up "Want to buy the product multiple

floors" for 300 Robux and I am going to say "Buy Now".

Purchasing multiple floors.

So now what we will be able to do is take the roof off, but we will be able to go to

the second story which is up here and we are going to go to "Build".

We are going to need to buy our floors, so I am going to have to get rid of my roof up

here before I can place my floor down.

So let's get started! basically I have to sell my weird roof here, it is going to be

awesome so let's sell the roof!

Alright you guys so as you can see I have removed my roof . Once we have removed the

rook we are going to go to "Build" and get some stairs.

So we are going to start by getting our stairs so we are going to turn them this way and

get the spot all nice and "Buy" so we have our nice stairs.

And now that we have bought our second story let's go up there.

So now I am going to go up to "Build" and we are going to go to "Floor".

Now you want to make sure "Automatic Placement" is out so the X is not checked and you are

just going to want to basically go around the stairs so you don't accidentally block

yourself so you can't get up.

So you guys as you can see I have gone halfway through with the floor all I am doing is just

going to "Floor" getting rid of "Automatic Placement" and just placing flooring all over

where the roof was so that I will have the floor for the upstairs and the roof for the

downstairs.

So that is all I am doing.

Pretty easy!

So as you can see I have completely finished my flooring up here and now we are going to

go to "Walls" and we are going to basically go around and make sure you are on the second

story or else it is not going to work.

We are going to build the walls.

Now it will only work over the house because I didn't delete the garage...so this isn't

floor and if you try to place walls on it it may not work because it is not flooring

it is a roof.

I am just going all the way across just like this it is pretty simple.

Make sure if you are going to do this that you have plenty of money to be able to get

this done.

So now that I have gone all the way across I have roofed this whole area.

I will probably separate it into rooms later so I am going to go back to "Build" and now

I am going to go to "Roof".

You can pick any roof you want, but I think I am going to do the pyramid roof because

I think it will look nicer and boom you guys that is our upstairs so we are going to go

to "Cancel" and get out of build mode and go check it out.

So of course I am going to paint it and add some windows but you can't really go wrong

with an upstairs because they kind of just make it look nicer.

So we have all my regular downstairs with my roof of course and then the stairs - it

is really simple and really easy.

I hope how to build a second floor in Bloxburg video helps you guys because I know I looked

up a ton of videos to try and figure out how to get the upstairs and I couldn't really

find a good one so I hope this second floor Bloxburg tutorial helps you guys.

Make sure to be watching for another Roblox Bloxburg video with me and Ballerina5 because

we do a Bloxburg series.

I'll see you guys on the next video!

Byeeee!

For more infomation >> How To Build A Second Floor in Bloxburg - Duration: 5:37.

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FS19 How to build a farm Pt. 1 - Timelapse - Duration: 5:23.

For more infomation >> FS19 How to build a farm Pt. 1 - Timelapse - Duration: 5:23.

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How to build a real starship enterprise Part 6 - Space Food - Duration: 10:33.

How to build a real starship enterprise Part 6 - Space Food

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Let's Build a Circus Song | Esme & Roy - Duration: 1:45.

For more infomation >> Let's Build a Circus Song | Esme & Roy - Duration: 1:45.

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Create a Lesson Plan in the Original Course View - Duration: 1:45.

A Lesson Plan is a container that can include instructions, objectives, and the content

students need to complete a lesson.

To build a lesson plan, select the course area where you want students to access the

lesson plan.

Point to Build Content, and select Lesson Plan.

Content Information is where you add information about the lesson such as learning objectives.

Curriculum Resources is where you add items and build content just as you would in a content

area.

We will begin on the Content Information tab.

On the Create Lesson Plan page, type a name and description.

To rename a default section, select the title, type a new name, and save.

Select the checkbox next to Share with Students if you want this information to appear to

students.

To delete a section, point to the section and select the 'X' To reorder sections, drag

them to new locations.

You can also use the keyboard accessible reordering tool located at the top of the page.

To add more sections, point to Add Lesson Plan section and select from the list, or

add a custom field.

Make the lesson plan available to students.

If you want, you can set the lesson plan to display on a specific date and time.

After you complete the sections you need on the Content Information tab, click Save and

Continue to move to the Curriculum Resources tab.

This is where you add course material.A Lesson Plan is a container that can include instructions,

objectives, and the content students need to complete a lesson.

To build a lesson plan, select the course area where you want students to access the

lesson plan.

Point to Build Content, and select Lesson Plan.

Content Information is where you add information about the lesson such as learning objectives.

Curriculum Resources is where you add items and build content just as you would in a content

area.

We will begin on the Content Information tab.

On the Create Lesson Plan page, type a name and description.

To rename a default section, select the title, type a new name, and save.

Select the checkbox next to Share with Students if you want this information to appear to

students.

To delete a section, point to the section and select the 'X' To reorder sections, drag

them to new locations.

You can also use the keyboard accessible reordering tool located at the top of the page.

To add more sections, point to Add Lesson Plan section and select from the list, or

add a custom field.

Make the lesson plan available to students.

If you want, you can set the lesson plan to display on a specific date and time.

After you complete the sections you need on the Content Information tab, click Save and

Continue to move to the Curriculum Resources tab.

This is where you add course material.

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