How To Build An Affordable Retaining Wall | Gardening | Great Home Ideas



gardening and landscaping to someone who doesn't do either they think they're the same thing but you can be a gardener and not know how to build anything so I building a retaining wall can be a little bit scary but the good news is if you can dig a hole you can build a retaining wall I'm going to do today and as far as budget goes well I reckon we'll get away with a couple hundred dollars so here's where I'm going to put a little retainer wall at the moment it's retaining I don't know if I'd call it a wall but it is retaining the garden bed now what I'm going to do is come forward about 300 mils get a nice straight line and use treated pine sleepers I've set up the first of the last of the posts that are going into the ground and I can use them instead of putting stakes in the ground to run my string line off it's got an off cut of timber here which can give me a height guide and then the retaining wall will have contact with the ground then it'll be nice and straight now rather than picking up a tape measure and measuring out where my posts are got to go if you lay out the sleepers I can work out exactly where they need to be and remember it's a lot easier to cut a little bit off the sleeper and trying to add a little bit on I'm clearing away the grass that will be behind the new wall and I'm also adding some extra posts to support where the middle of the sleepers of it just putting the first sleeper in now there's a couple of things to look at before you screw it off I want to make sure that it's not touching the string line anyway make sure it's the center of that post there so when I but the next one up to it it's the best fitting joint and I've come in here about half way as well because I'm going to have a return there and I'll butt up nicely when I said it's easier to cut the timber than add a bit on to it here's two examples of what I'm talking about the post in the ground has access so I can mark that and cut off the excess and here it's too long so I'll go to do is find the center and cut that little bit off now as it is it's absolutely a retaining wall its retaining the soil and it looks like a walk but if you want to have it as a double feature and I mean turn it into a retaining wall and a little seat you can go across the top with a capper which is just the same sleeper laid down flat and now you've got a seat for about 20 frames as far as the plant palette goes I'm working with the existing natives and just adding to it I've got three Gomi lilies which are going to be the main feature then we step down into these little cases they want to get to 1.5 which means you be able to keep them to about a meter which is a nice step down from these guys which will get up here and then across the front little dainty natives that flower like cut leaf Daisy after all we want to show off that retaining wall it's our best work that is one good-looking retaining war now I said you could do it for a couple hundred bucks there's fourteen sleepers at eleven dollars each so that's one hundred and fifty-five dollars plus the concrete in the screws I'm just over that two hundred dollar mark but the way I look at it if you had to go and buy benches that would sit this many people you're well ahead of the game in fact this is free

Jim Collins Thinks Your House Is a Bad Investment | Rent vs. Buy Analysis | LIVE



yeah we are live hello everybody welcome to Mike and Lauren live high-five so tonight we have a very special guest really excited his name is Jim Collins and you have know him from JL Collins NH comm and we are so excited to have him here tonight we are going to talk about the highly controversial rent versus buy debate a lot of you have asked why we rent our house instead of purchasing it we've gone over that briefly in the past but tonight we're going to dig into it a little bit more and with the help of Jim we're going to go over some common misconceptions about the rent versus buy question that everyone has on their mind so that further ado let me introduce Jim Collins he can say hello and then I'm going to kind of introduce the topic for the night and then we will open it up to questions for the end so here we go Jim you are live hello Jim Oh Michael Oh Lauren so uh tonight we are talking oh there are nicely on the screen yes yeah so no quick um you may notice it's a little bit different tonight we're doing a google hangout instead of a Google live event there is a subtle difference um so the audio may be slightly out of sync there's just nothing we can do about that to do the telecommunication thing but there are some things I can change I can change the volume level of Lauren and I and I could change the volume of Jim so if you have any problems with seeing or hearing please let us know in the chat and I can make adjustments on the fly so what we can go from there and same to you Jim if you have any problems let me know and we can press pause on this thing so I have to move over this way because I have something special tonight in lieu of doing the Google live events we're going to hang out we can do some slides here and what I wanted to open up with this is how this conversation got started Jim has a blog post called why your house is a terrible investment and in it he outlines a lot of reasons why doing the math on the rent versus buy scenario is very important it's not just a cut and dry I know growing up I always heard that you always buy your house and actually I just realized this is why we don't try new things for the first time I just realized the camera wasn't on as we're talking so now you're back to us so this started from a blog post from Jim's called wire house a terrible investment and quickly before we get into things I want to kind of highlight some of the reasons in that blog post that he lays out that maybe you haven't thought of and to do that I did something a little new tonight and we actually have some slides were able to do so I'm going to show you real quick some slides and then we'll get into a gym I have a few questions for him so without further ado what makes uh what does a bad investment look like so we're gonna do a little roleplay here and imagine we are two people sitting on a bench and we're talking about different types of good investments and this is what he outlines in his blog post and the question comes up well if that's what makes a good good investment how would we describe a bad investment if we could outline all of the things that would just make an investment a horrible decision what would that look like and here are some of the things that he outlines on his blog the first is it should be a relentlessly ongoing drain on the cash reserves of cash reserves of the owner it should be illiquid will make it something that takes weeks no way even better months of efforts to buy and sell it should be expensive to buy and sell will add very high transaction costs let's say 5% Commission's on the deal coming and going let's say it should be complex to buy and sell that way we can lay it along lots of extra fees and reports and documents that we can charge for it should generate Lobert low returns certainly no more the inflation rate may be a bit less it should be leveraged so that if the price goes up a little bit leverage will magnify this and people will be convinced themselves that it's a good invention investment the flip side of that is any losses are off also magnified oh wait none of these points of showing up on your screen online or on the screen I'm looking at uh you actually you know you're about 30 seconds behind on that are they popping up now uh there's one just popped up yeah yeah you're a few seconds behind I forgot to tell you that um so I've got two more quick at the end here should be subject to the fortunes of one country one state one city one town actually let's make it one neighborhood imagine if our investment could somehow tie its owner to the fate of one narrow location that way the risk could be enormous you know if a plant closes or a street gang moves in or the government goes crazy with taxes or an environmental disaster happens nearby we have an investment that not only crushes its owners net worth but does so while they're losing their job and income and our final you know reason that we could come up with just for a horrible investment is it should be something that you can never really own since it's something we are going to give to the government the power to tax this investment every year owning it would be just like sharecropping well let them work it maintain it pay all the costs associated with it and as long as they pay their annual rent he means taxes actually will let them stay in it unless we decide we want it we being the government so some very compelling reasons to um sorry I'm this double switcher thing it's kind of weird for me so some compelling reasons uh to not invest in a certain type of asset and of course that was a tongue-in-cheek kind of example of real estate investing all those were you know different factors that that you would consider a home to be and so Jim if you could kind of explain to us where did this blog post how did this blog post start and um you know where are you coming from it seems like everyone you talked to and the pendulum is somewhat swinging the other direction recently but especially you know in the past decade or so it's common wisdom that if you're not buying your house you're losing out on you know equity and you're throwing your money in the garbage every month so where are you coming from and how did this blog post start for you well you you kind of just put your finger on where the blog post comes from I kind of tired of listening to the quote/unquote common wisdom then buying a house is always a good investment this is separate from discussing whether or not it's a good idea or a good lifestyle choice or something that you might want it on it to have but the whole concept of whether this is a good investment just kind of rubbed me the wrong way and so tongue-in-cheek I sat down one day and I thought you know let's look at this as if we would look at any other kind of investment and and see how does it stack up and then I kind of rattle off the things that you listed there and I think there were a few more in that post and I had published and the next thing I know I was getting the most hate I've ever gotten of anything I published and also the most loved right well as um as James all torture it's a how you pronounce his name I can never get there all toucher to Tom Ulta sure says you know the housing is an American religion that it's something that uh we would put up there with almost our faith in you know religion kind of the American Dream right the American Dream is you know you even the way we're sold it you know you start with a starter house and then you upgrade to a bigger house as you have kids and then a nicer house and then as you as the kids leave the nest you you know buy something a little smaller it's what we're told to do growing up and so my question to you I have two and I think they're kind of misconceptions that are kind of the root of all of these factors my first is when you say when I when I tell someone you know you need to do the math on whether it's better to rent or buy they say well if you're renting you're not building equity and after our conversations together over the past year and some email exchanges it almost seems to me like equity to you is almost synonymous with opportunity cost what could you speak to that a little bit of what role opportunity cost plays in the rent versus buy debate we you you covered a lot of ground there and there there are a couple of things first of all it's going to cost money to to live wherever you live whether you're renting or there's a house so it's a misnomer to say that you're throwing money away on rent you were getting something in exchange a place to live by the same token you are going to have expense is tied to that house some of them are obvious like the interest that you're going to pay on your mortgage assuming you have one you're going to pay maintenance repair on that home you're going to pay real estate taxes on that home and then as you build equity people this is this is I think where people lose sight of the real impact of the numbers as you build equity there's a cost to that too to having that money tied up in the house the financial term is an opportunity costs so if you achieve the goal that many have of having your home paid for and no longer having a mortgage which is a fine goal you have to then look at how much money you have tied up in that house and what could that money otherwise be doing for instance to view a hundred thousand dollar house and you wanted free and clear that's a hundred thousand dollars that is not otherwise engaged and there's simple ways to to evaluate what that opportunity cost is you simply pick a proxy of where that money would be where you would have it invest in otherwise and if we want to keep light – like an obvious proxy is something like a refund real estate investment trust fund man urine has one that I used to be in that I that I kind of like if I were going to do that and it pays a three and a half percent dividend CSRA at one hundred four thousand dollars that I have tied up could be earning me three thousand five hundred dollars a year now some people say well gee but a house might go up in value now with my neuroscientific trust could also go up in value so we have no way of knowing which of those want pace the other let's consider that abortion and so now you have an opportunity cost looking in it very simply I'm thirty five hundred dollars that's a real cost out of your pocket to maintain that pay for house so you're saying that looking at the appreciation of a house uh what we're trying to get when you see your house appreciate let's say if it were to go up a hundred thousand dollars in value instead of seeing a hundred thousand dollars uh in in value to you you should a $3,500 loss of opportunity cost is that kind of what you're getting at our site oversimplifying it well I would you know you'd certainly see a hundred thousand dollars in value but that that money is tied up so you at any given point with any investment you should always be asking yourself is there something better I could be doing with this money and what that what might that be in to the extent that there might be something better or something different you have a built in opportunity cost so certainly how she goes up $100,000 in value then you are your your net worth is increased by $100,000 and that is a good thing right but you were saying if you were to be invested in the you know real-estate index fund that could also go up you know similarily in in appreciation so you're missing out on the dividends right so then my next question is it's either the argument of you know building equity or it's the argument of tax deductions so everyone knows that your mortgage interest is tacked adduct axe deductible but there's a common misconception there could you talk about that for a second well I think the misconception you're referring to is first of all mortgage interest is deductible but everybody every taxpayer gets what it's called a standard deduction from the government so if you're a married couple your standard deduction for 2014 in this they adjusted upwards with inflation of year but for 2014 you have a standard deduction for twelve thousand four hundred dollars that's if you do nothing so unless your housing costs that's to say your interest and your real estate taxes are more than twelve thousand four hundred dollars there's really no deductibility advantage to owning that house now there are some comments that if you are generous with your charitable contributions that 2 goes into height what's called itemizing your deductions which if you owned a house you would idolize the interest you're paying on your loan who would I – mais your real estate taxes there are other things you can idolize in deduct charitable contributions being the most common one that the typical taxpayer might have so if you have a twelve thousand four hundred standard deduction and you're giving away $10,000 well now the bar is only twenty four hundred dollars above which now you're your mortgage interest in your real estate taxes are beneficial that makes sense yes so just so I'm clear because I'm actually I want to make sure I understand it is you have to pay more than twelve thousand for on this is assuming you know you're taking the other you would otherwise take the standardized deduction your your mortgage interest has to exceed twelve thousand four hundred dollars a year before would ever make sense to you know have a mortgage just for the deduction right and but you also get to direct real estate tax so it would be the combination of your mortgage interest and your real estate tax and then it live in a state it gets the taxes of course always make everything more complex if you live in a high-tech state New York California New Jersey you're also going to have state income taxes that you can deduct if you itemize your deductions so that might get a perverse sort of way make your real estate deduction more valuable but if you live in Florida as you do or New Hampshire's I do where there's no state income tax then you don't have that factor so it's a little becomes a little simpler gotcha so when I was looking through your posts for your actual rent by analysis for your home in New Hampshire I noticed a lot of your costs were were much much greater than we see here in South Florida so I want to make clear do you think it's always a bad investment to own your own home or or what is what is your point of that post because I think it's very controversial to say that you that Jim Collins thinks your house is a bad investment is where's the line there where what are you trying to say are you really saying that all homes are bad investments or what's your message on this no you know that that's that's a great question Mike and the the why your house is a terrible investment post is is one of the most widely read on my blog and it's wonderful that post it's that widely read but I I wish people would also read the post on on rent rent versus owning and how to run the numbers the why your house is a terrible investment post as you as you pointed out as you were kind of going through it talks on some of the characteristics of a house is a building that are unattractive from an investment point of view but you can look it's a relatively simple thing to run the numbers on a house and compare it to renting and there are a lot of calculators out there that do that and those are fine if you find one that you like I think it's a little bit simpler than that so in my case with our house in New Hampshire when I run the numbers and with with both houses that I own renting is is much more financially attractive in some areas of the country that may or may not be the case I think some places like Florida evidently from what you're saying in the Midwest for I'm from it might be a coaster horse right now I also did a post on rent versus buy it Ecuador Ecuador's of a country I traveled to on a very regular basis and I've looked at real estate down there and when you look at just the numbers there it is more cost-effective to buy than it is to rent in Ecuador now there are other mitigating factors to that to consider that are unique to that country that we get into if you like but make sure if you're looking at the numbers and you see it's more favorable financially mathematically to buy is that a green light for you to make that decision or if you think it's more emotional like obviously if you're we listed all those reasons in the beginning the entire you know blog or the essay that you wrote about you know you listed 20 different reasons that were non necessarily strictly financial things that kind of weigh you down there's like logical there motional how did those factor into your decision why would I would say this I would say that that money is not the only reason to make a decision like buying a house or a lot of decisions in your life but I think it behooves you to make sure you understand what the numbers are telling you so I would suggest anybody who's considering buying a house or who is renting and prefers to rent that you run the numbers and the numbers will tell you very clearly if you do that where where where the chips fall and whether the house is more financially advantageous or renting is more financially advantageous and then once you know that you're in a position to not make a rational decision but to understand the financial implications of whatever decision you make so for instance when we sold our last house it was very clearly financially advantageous to rent as it happens we also wanted to rent so those two things aligned and it made an obvious made the decision obvious if I'd run the numbers and the numbers it said you know what it is actually more financially advantageous to home now I have a work of flex decision but the numbers will tell me exactly how much more it would have cost me to rent if that was the case and now I'm in a position to say okay it's going to cost me X number of dollars more to rent which is of what I want am I willing to pay that premium or to turn it around if I ran the numbers if I was renting and I want to type on the house and I run the numbers and the numbers say well only house is going to cost me more than what I'm paying to rent okay now I know that and I know specifically how much more it's going to cost and now I can make a decision as to where that whether that extra money is money I'm willing to spend in order to to own that out so you're making a more rational decision or you're able to make your emotional decision in a better informed fashion where I think there the controversy is coming from is your opinion of renting or buying I think is fundamentally different than a lot of people were you've you renting favorably I think a lot of people you know whether or not they actually believe this or they've just been told to believe this they want to own their own house so you're looking at it like when you when you're talking like that you're saying you know I can look at it and say renting is going to cost me this much more per year or per month I know I can make a rational decision now but I prefer renting so it's worth it to me I guess that's just the way you take it both directions if you prefer to own your own house you need to look at it and say it's more expensive or it's cheaper to own the house but here are but like you said make a rational decision about it what it is what is it about renting that is so attractive to you why are you drawn to that that scenario well let me let me let me address the first point of what you said though remind me to know how I'll talk a little bit about why I like renting but I also wrote a post called roots vs. wings and it's kind of a companion to everything that we're talking about and I think but fundamentally there are two different kinds of people and people could be on either side of this at different points in their life so there are some people who put great value in setting down roots and these are people tend to like tone houses for obvious reasons other people tend to prefer to have more flexibility in their life and that's wings they like traveling and and moving to different places I think it's a matter of deciding which of those who you are and and pursuing along those lines for instance when our daughter was young we were more roots kinds of people and we owned houses now that she's grown and out of the house we don't have that requirement and I'd much rather have this kind of gets an answer your question up I like renting and much rather have the flexibility than renting allows I can live in a place for a while and enjoy what that has to offering what the environment has to offer and then when I'm ready to move on I can easily pack up and move on understood yeah emili´s case it's a lot cheaper so I have extra extra money in my pocket our camera died can you see me now yeah we're back right do you hear me yeah I hear you what I'm looking at is a time delay kind of thing so okay yeah sorry about that guy okay right now on screen I'm looking at his me talk okay we've we're back on all right so um I kind of want to wrap up the the real estate portion of the the interview um I think what it comes down to is you know you need to run the numbers would you say first and foremost you need to run the numbers and then from there it's an emotional decision for you you can make a rational emotional decision if there's such a thing but taking into account those reasons that you outlined in your essay that maybe you didn't think about that that's what I really wanted to kind of highlight is you had a lot of reasons in that in that essay that I had never really considered so it's it's not cut and dry even if the math favors one over the other there are still other things that you should consider before taking the leap into homeownership is that would that be a fair you know review of your thought I think it is a fair fair review and if if you'll allow me to all kind of review a little bit myself yeah whenever whatever you're making a life choice I think it money is not the only consideration but it's an important consideration and I think with anything you should run the numbers and understand what your decision is going to cost and how it compares to alternatives that might be there so if you're interested in buying a house I wouldn't say don't buy a house I would say run the numbers see how owning that house stacks up against renting assuming that's what you're doing and then you know what it's going to cost in comparison you might find out that actually buying the house is cheaper and that you also want over the house that's a wonderful thing but if you find out the house is more expensive now as we talked about you have an idea of what you're going to pay for that lifestyle choice you want to make but then the second point it goes back to that to the post you're reading about why your house is a terrible investment I think you have to be there is there is so much propaganda and I don't think that's too strong a word out there touting the value of homeownership without looking at looking at it a little more deeply for instance the reflex well Corp sure your your your interest payments are deductible well yes but as we discussed you also have a big standard deduction so maybe it's not as beneficial as it seems so you could look at that and you can say you know do I do I really want to take on this particular kind of an investment if you do and there are some people who just definitely want to own their own house by all means go into it there are also a lot of people that I hear from who are almost pressured into buying a house they reach a certain age or they get married or maybe they have children and the world around them is telling them well of course you need to buy a house well not necessarily and there are other things to consider before you make that decision so a one-liner for me would be I've always been told that a house as an investment no matter what you're saying sometimes the house is not an investment I don't think a house is really ever an investment and to the extent that you think of it as an investment is that post points out it's really not a very good one but it can be a it can be a good it can be a good lifestyle choice I mean we moved to New Hampshire we bought a house and we bought it in a good neighborhood with the good schools because my daughter was in second grade and it was the expensive choice to make it was a an expensive indulgence if you will but it was one that I can afford and the benefits were were benefits that I wanted but I wasn't into it with my eyes wide open knowing that I was I was paying premium for to indulge myself and owning that house and then when I didn't need that house anymore I didn't need the school district I didn't need the space because my daughter moved on then you do something different but you just don't accept as gospel that owning a house is always a financially good thing to do it probably rarely is sometimes it's a good lifestyle thing they did excellent advice all right well let's open it up now for general QA we have a couple questions backed up in the chat so I will start with those and if you have questions for Jim about anything else you know life business money go ahead and put those over in the chat room to start our first question actually will go back a little ways to one more real estate question it says when buying a house and living in it what about renting a spare bedroom or two is that still a bad investment so what are your thoughts on the the roommates or the Airbnb nowadays side of things in homeownership well I think certainly if you if you own a house and you want to run out of spare room or do an air B&B kind of thing you're obviously going to generate cash flow that you didn't have before and that's a good thing I I would be careful about saying I am going to go out and buy a house soon and and this is going to justify the you know the financial decision to do it but if your house and you want to generate cash flow from it by by all means and certainly if you want it if you go to my post and read verses own and you look at the various categories and you want to run that calculation and you say okay well I know I'm going to my house with this extra room and I'm going to do an Airbnb thing you can put in some some numbers on that side of the ledger and see what it tells you excellent all right our next question is from Kevin our Oh can I add that I'm very glad that Kevin are brought this up because I actually brought up this post to Mike um I don't know maybe a month or two ago about kind of covering it his question is how much have your children followed in your footsteps one of Kevin's favorite posts is how I failed my daughter and a simple path to wealth well Kevin first of all I only have one children heck yeah and that's and that's my daughter Jessica and she is 22 and she's College and out of the house and they're out of the apartment are Kayson and on her own I think it is too early to tell whether she's going to follow in my in my footsteps have you read that post you know I think one of the mistakes that I made with her is that I think this financial stuff is so incredibly important and can be such a powerful tool in helping you have the fullest possible life with the greatest number of options that I think I pushed it on or – too hard and too early and in fact the whole blog comes out of out of a conversation for my daughter with and I think she was maybe 15 or something at the time and and I was again lecturing her as she would say on this stuff and she stopped me she said dad I know this isn't important but I just don't want to have to think about it all the time and the little lipo went off and I thought you know that's probably true most people they know it's a financial stuff is important and they don't want to think about it all the time you know I'm the I'm the aberration I mean financial people like this financial stuff like me and maybe the listeners and you may where the aberrations I mean most people are out there curing diseases or building businesses or or whatever they're doing and money is a very secondary thing and so the blog is written hopefully if I've accomplished my goal for people who know it's important but don't want to obsess about it so I try to make it as simple as possible sometimes go back to Kevin's question my daughter will make comments that made me think that she's paid more attention than she lets on so yeah the jury's still out but I am hopeful well I think you've done a great job one of the things I really appreciate about your blog about your blog is how you tell a story and keep things simply laid out step by step and not only that but the concepts that you teach you teach simplicity and that's that was an eye-opening thing for me we're investing and money in general were often taught is to complicate and just hands-off I it's too much it's too complicated where you're the voice in the darkness saying hey it can be simple this is how how to do it simply and you know set it and forget it so thank you for that well I may if I can I have egg in them yeah comment on that my first of all thank you for that because that's very much one of the goals I have and I would also say for your audience I I think it's it's unfortunate and to the extent that it might be intentional maybe even despicable that the financial industry tries to make this seem so complex so here's the truth um the financial industry and the investments in it are incredibly complex I mean they're so complex than when we had the last implosion and market crash in 2007 there were you know there was the the Treasury secretary saying you know he didn't understand what credit default swaps are here's the good news all of that stuff is meaningless for us we don't need it you know so you can take 99 percent of what what Wall Street is cuddling and just throw it in your mental trashcan you know the one percent which interestingly enough is the simplest and I'm talking about X index funds the one percent that really matters to you couldn't be simpler and moreover it is more powerful and will give you better results than all this nonsense a Wall Street's creating not to not to make their clients wealthy but to make themselves wealthy right both I guess the answer is it is very complex but the Complexo we don't even need to think about well that's good to know we have a couple more questions may need to do these rapid-fire we have three write up right now but the first is is Jim considering purchasing a little house in Ecuador well first of all Jim would would have to to be considering moving Dec padorin that is a consideration actually you know I don't know we've lived in New Hampshire for about 15 years now and I Love New Hampshire it's been a great experience but as I alluded to the roots versus wings thing you know where wings kind of people and we like change in 15 years as long time to be in one place at least for us so at some point in the not-too-distant future I do see us moving just for a change of scenery and Ecuador is one of the considerations now whether I would buy a house or not as I mentioned they did a post on that and if you want to make my link to it and bottom but in Ecuador as far as I can tell it is cheaper to own that it is to rent but there are mitigating factors to that one is that you know you're not in a country that is quite as stable as the US and I'm a little concerned about owning something that is as ill liquidus property in an environment like that I'm actually concerned about owning something that's as illiquid is that in this country so you can imagine I feel about it in place like Ecuador and the other thing is that buying Ecuador is a much more challenging process than it is here one of the good things about the real estate market in the u.s. is that if you're looking at a house to buy you know what the asking price is and you know that that asking price is the same that's put forth in for every other potential buyer now you might negotiate a different price in that at least you know what the starting point is and the playing field is level in Ecuador that's not true there's something that they had a laughingly refer to as the gringo tax so if you're a gringo you are going to be asked to and expect it to pay much more for given piece of property than a local and in fact I have friend an Ecuadorian friend who lives a little town little fishing village named San Clemente and but he's not from San Clemente and he was in the process of buying some property there and even he meeting an Ecuadorian was subject to the local San Clemente the tax because he was a local guy he was having one of his local friends ask out the properties and do negotiating and what-have-you while he stood in the shadows because he know if he did it himself even as an Ecuadorian he'd be paying a premium so it's a different different kind of kind of world doesn't mean I wouldn't necessarily buy but you know I have to again I'd have to look I do the Milo analysis and I'd see just how big the advantage to owning was assuming that I was still true when I made that if I were going down there and and then I waited against the challenges of buying and owning a place like Ecuador interesting very interesting that they don't have any sort of like MLS service don't heaven no I don't know no MLS service in fact one of the interesting things is that when you go out with a realtor the sometimes as I understand that the sellers will say ok I want to sell this house and I want $50,000 for it and you know I won't sell it unless you put give me $50,000 and then the realtor can go and sell it for whatever they can get and that's that's how they make their money so if they can sell that house for a hundred thousand dollars to somebody like me from from out of the country that maybe I don't know any better well they just made a fifty thousand dollar Commission on that house Wow you know even if I run the numbers and its total core cheaper to read I have to realize that when I comes time for me to sell that house I just pay twice what it's worth it unless I can sell it to do another gringo you're no local is going to be silly enough to pay that kind of money great let's go on to the next question Jim do you still recommend 100% Vanguard stocks for someone in their mid 30s um yes I you know with some caveats first of all I don't think it's so much a matter of your age I would recommend the hundred percent stocks to somebody in them but third piece who was working and was planning to continue to work now a lot of readers of my blog are wanted on the track to retire earlier they have and so you know for some of those people you know late by the time they therma 30s they've been retired for five years so I look at it more in terms of where your cash flow is coming from so other percent stocks is considered very very aggressive and very very risky and what mitigates that risk in my mind and why I would say to my daughter under 20s or somebody in their 30s who is is working in it and intends to continue you have cash flow coming in and assuming that you have a a good solid savings rate and you're using that cash flow to invest that cash flow that gets continually invested with each month or each paycheck mitigates and smoothes out the what's inherently a very volatile right here in the stock market now once you stop working once you retire whether that's at the age of 30 or the age of 65 and you don't have that earned income coming in that you're you're investing in some using that that cash flow to smooth out the ride you need something else to smooth out the right and typically that's bonds so for instance at the moment I hold 75 percent stock stand 25 percent bonds because I don't have earned income coming in any longer if I were to retire at 35 I would do the same thing I would I would add bonds to smooth that to make that to provide that that smoothing effect that my my cash flow had before interesting and by the same token you know you might have somebody who who retires at 30 and doesn't have cash flow for five years and I would suggest that they ought to have a bond component that's should be based on their own personal tolerance and let's say five years you know they get some wonderful job offer they get bored or whatever it is and they go back in the workforce and they're making a good salary and now they have cash flow and and they're they're saving and investing money again well I might call for your allocation shift again what sorry I could cut out there for a second our camera may die here one more time in a second edge have to turn it back off and turn it back on um sorry about that um just going on record to say thanks to each of you we love Michael Oren videos and I've read nearly all of Jo columns and H um I like Brad that's really obviously a very astute fellow hey what do you think of the fact that vanguards mid-cap fund has outperformed the total market and small caps over the past ten years I think that's that's a reflection of the last ten years and one of the reasons that I I own a total stock market fund is I don't know what the next ten years are going to break things go in and out of fashion so small cap funds and mid cap funds that can outperform large caps for extended periods of time and then the wheel turns and large caps outperform and I have no way of knowing what's going to happen over the next ten years so I I own it all good to know um we have a question can you give us a teaser for some upcoming JL Collins NH posts what do you have on the on the boiler plate the pointer click that's not a word is it what's coming up so obviously Brad's not as as soon as I thought it was because he thinks I actually plan this out I actually actually the the I I do have three I guess that are in the works now I have two case studies coming up which I haven't done a case study in a long time and I think they're a lot of fun and I like doing them and as it happens there we're two interesting situations came to my attention recently and I was kind of on the lookout for a case study or two to do so hopefully I'll have one of those up later this week and then another one coming after that and now the other thing I'm thinking of doing and I haven't actually decided if I'm going to when I when we headed out to Los Angeles over the Christmas holidays I mentioned in the post I put up just before we left that I was going to take the train back from Los Angeles we flew out there together and I had never taken a cross-country train crepin and this was the opportunity and I did that over 75 hours on the train couple the commenters on that post said why you got to tell us about train trip and so I'm kind of thinking about maybe doing that I always hesitate with the travel posts because I can see that the readership of those is not nearly as strong as the financial ones and that's not surprising because people think of my blog is a financial blog that's what primarily is but I like doing the travel stuff and some of my readership seems to like it so I might do it might do a post in the train trip okay and I'm not hearing anything coming back and me did I lose you okay Mike I don't know if you can hear me but I'm not hearing anything coming back from you so well I can hear you can you hear me I know I can hear you yeah okay cool yeah I can you hear my my last bit about the postal trip yes so I yeah I heard all that and everyone heard that all right my our camera when it gets to this point it just gets so hot it just starts freaking out so let's do a couple more questions and then we'll wrap it up for the night uh uh when will the Mike and Lauren video series featuring Jim be posted so this is a good question we were actually talking about this today uh basically Jim if you want to or I guess I'll just say and then you can kind of talk about where you're at with it we're trying to time the – with Jim's book publishing so I in the book publishing world things move slowly and in the motion graphics world things move slowly so unfortunately we're both moving slowly together so I guess that's a good thing but um what I do think we can have coming up as we can have some teaser videos coming up soon in the next month or so we had how long did we talk after we did the series we talked for about an hour and a half with Jim and we got it all on camera so we'll do some some videos with that and then the actual stocks here is itself Jim could you give us an update of just I don't know what I mean it's so hard to give him even a ballpark but where are you at with the book and publishing and what's your first of all just in ki you know it occurs to me as I'm listening to you that maybe not everybody listening to us knows what we're talking about so oh yeah last spring Michael Oren came up to the the beach house where we were spending the summer and and did some recording based on I think the first 12 posts on the stock series with the idea of making us some short videos about them which i think is a cool thing so that's the project that we're talking about and we wanted to tie this with the interdiction of the introduction of a book it's also based mostly on the stock series and some of the other stuff on the blog that I've been working on for it seems forever and it is a long slow process but hopefully it will finally be done and out to sometime this spring and from what my tells me that should them tell nicely one with when you get see anything done all these videos yep exactly so hopefully some teaser videos very soon and then we had one time in Wisconsin yes we did we had a lot of fun we stayed or how many days we were with you two days to or two or three and yeah we're I think yeah because we are two full days and then half a day that after that yeah this that's that's one of my favorite places in the world incidentally it is my wife sister and her husband owned this house on the beach in Lake Michigan in Wisconsin and it is it's right on the sand and the beach stretches for miles in every direction and I grew up in Chicago and along the near the shores of Lake Michigan and so that has a particular place in my heart and I always loved Wisconsin it's a beautiful state I've never lived there so they are very gracious about letting us use it pretty much whenever we we want with a little mats notice and that's where we were when you guys came up and it was a great place to get together it was absolutely beautiful for sure we had a lot of fun um let's see do we have time for one more look at this brush cameraman oh yeah Brian Parker who you guys have seen in our our friend is a trip video and he's been in the carbonation video all kinds of videos uh the lake was actually just about sixty degrees I think we found out it was and he went overboard in a kayak and lost his uh breath and nothing when I got back the one on me couldn't swim a knee admit of a panic attack yeah water yeah so close call with Ryan Parker uh but he survived and unless his mom is watching and then everything was fine yeah I think that's a good place to end we have a few more questions but I'm afraid that they're just too too in-depth to go yeah one here that I like to I'd like to add accident oh yeah your give the chat right there to go ahead yeah yeah it's from Ruffman forty two and I think this is an interesting question he he says switch to bonds when you early retire where you recommend a gradual transition leading up to retirement and I think you can do it either way it kinda depends on your risk tolerance I'm trying to remember what I did personally and I want to say because I I don't like owning bonds because bonds smooth out the ride but they also don't perform as well as tax night I have a pretty high tolerance for the volatility in the risks so I think what I did is I just waited until I actually pulled the trigger retired and then reluctantly added the bonds by portfolio but that's very much about me and and how I view risk and versus reward from what I read psychologically most people are much more concerned about loss than gain I guess I'm wired a little differently I'm working serving about gain and I'm willing to put up with the loss so depending you have to know yourself as the saying goes and and where you fall in that continuum but for a lot of people that that I talked to on the blog through the comments a lot of people are very very risk-averse and the volatility is troubling and they oughta have a gradual transition I would think and maybe even if you're really concerned about volatility there's nothing wrong with holding a little bit of bonds to smooth it out along with your cash flow from your employment while you're working to gotcha uh might as well do one more from dust from dust what are your thoughts on finding dates dating while working towards fire financial independence early retirement what's Jane always onboard or did you have to convince her or how did that relationship work let's do it let's uh make better last question while in here and then we'll do a closing after this okay let me let me just real quickly jump up cuz cuz rickman 42 had a follow-up question let me just answer there definitely and then I'll jump down to just adjust this follow-up question was it seemed with interest rate so low bonds aren't the best investment right now and I absolutely agree with you know I have a whole host on bonds if if what I'm about to say goes over anybody's head but basically what what interest rates fall the value of bonds rise and the corollary that of courses of initiative rates rise the value of your bonds will fall and interest rates are at historic lows and most people including me think at some point that they are destined to rise again now I hasten to say that predicting interest rates is a fool's game at best and people have been predicting that for last five years and they keep going down and down now but at some point it will turn so I do think bonds aren't the best investment down there a little bit open risky again I don't own them for that reason I own them because they they smooth the ride with with stocks right so let's see Oh dating does from nest well does from dust first while I've been married for 32 years so I'm a little bit out of date in the dating scene oh I I will I will tell you that that when my wife and I were dating and of course this is you know this is ancient history and before internet and before there were all these a source of information on early retirement investing and I was just beginning to invest in making a whole bunch of mistakes along the way but we never talked about financial things when we were dating and we never considered it as we were planning to get married and I think that's a huge mistake I highly encourage people to to talk about if he is the single biggest thing from what I read that causes problems in marriage is is questions about money as it happens we got extraordinarily lucky my wife and I have very much the same attitudes towards money and and investing and living hello I said frugally necessarily because I just loaded a term but living well within our means so that we money to to invest in build well quit but we didn't know that going in sometimes I think maybe we knew it on a certain level you know certain intuition is you get to know somebody maybe without consciously recognize that I recognize this was not a woman who squandered money for instance but we never we never talked about it but I would recommend that that you do very good advice that's interesting I just wonder if you would just have not have been attracted to someone like you said who squandered money so it wasn't an issue but no um so let's call it ending there uh we definitely had a great time thank you everybody for watching Jim thanks so much for being on the show yeah thank you we really need it thank you for having me and thank you to to everybody who watched I I'm honored that you did take time well we would definitely love to have you again I know we talked earlier about maybe we could come up with some more uh what was fresh I was aware fertilization you weren't even here well yeah like philosophical I don't know what the what the term would be uh conversations and maybe we could have some in the future so if you liked this video and you want to see more Jim be sure to thumbs up and leave your comments below if you're watching this afterwards and Jim I'll send you the link once this is posted that if you want to go on and respond to comments that would be great and I think that's it thank you everybody for coming thank you thank you everybody bye-bye bye-bye

Luxury Living On Lake Bonavista – Calgary Real Estate Property Video



welcome to a spectacular luxury lakefront home in Lake Buena Vista estates sitting on a well treed street this home has wonderful curb appeal and the convenience of a three car attached garage this estate home features impressive Coronado stonework is framed by lush greenery and backs directly under the peaceful lake barrel-vaulted entryways and a distinctive tray ceiling add an image enjoy scenic views of the lake through the floor-to-ceiling windows complemented by the 25-foot ceilings and completed by the two-sided gas fireplace the ambient light is stunning in the delightfully airy kitchen featuring marble countertops and state-of-the-art appliances the spacious pantry offers a built-in subzero freezer and ample storage space you can enjoy your meals from either the oversized eating area or the extended breakfast bar both of which provide unobstructed views of the lake designed to give you the most of a picturesque summer days in the Sun this estate features an outdoor kitchen and built-in corner fireplace spend the perfect afternoon under the Sun on your private beach or paddling on the lake and for those evenings next to the water enjoy the exposed aggregate fire pit area this home includes a digitally controlled home comfort and media system that is accessible from almost any room in the house imported light fixtures diffuse light elegantly along the mahogany staircase which curves slightly along to the upper floor stay in shape without leaving your house in the private gym just off the master bedroom all while enjoying breathtaking lake views imported Italian tile adorns the master bath adding just a stroke of understated distinctiveness step into the grand glass-walled steam shower at the end of the day or relax in the spa with a perfectly chilled glass of your favorite Chardonnay a walk-in closet awaits with storage space that you've only fantasized about the laundry room includes the convenience of dual washer and dryers and an abundance of countertop and storage space for when the out-of-town guests come to stay this home contains seven bedrooms and seven bathrooms complete with plenty of built-ins and cozy spaces for your friends and family the downstairs home entertainment system is a peaceful place to watch a film and with floor-to-ceiling windows this is an ideal space to simply watch the sunset indulge in a cocktail from the wet bar that is fully equipped with a wine cooler fridge dishwasher icemaker and wine cellar your dream home on Lake Buena Vista this property is currently listed by Steve Zakhar and Associates at Remax central please contact for more details thank you for watching

Video of 65 Barrington Drive | Bedford, New Hampshire real estate & homes by Molly Miller



sixty-five Barrington Drive is known as the castle on the hill and it's located in the prestigious neighborhood of Bedford in Bedford New Hampshire you can leave your worries of the day behind as you drive through the gated entry presenting the perfect introduction to the outstanding architectural details of this home which include the front turrets adorned in stone you know something very special lies ahead 65 Barrington Drive is the ideal commuter location being just an hour's drive to Boston the Seacoast the Lakes region and just minutes to Manchester Boston Regional Airport shopping and amenities enjoy residential bliss and enviable luxurious nests in this exquisite estate on nearly six acres of lush peaceful grounds the custom home was built in 2006 and sits deliberately atop a hill taking advantage of the mountain views and the beauty of the four seasons that only a New England home can offer boasting expansive yet comfortable living spaces dramatic ceiling heights intricate details and the finest finishes at every turn this magnificent residence epitomizes class and style whether you wish to relax casually or entertain grandly indoors or out [Applause] every fall the foliage is simply breathtaking while the winter months truly offer a winter wonderland it's quite common to see a family of deer or wild turkeys right from the indoor pool room which is completely surrounded by windows lounging and entertaining simply doesn't get much better than the crown jewel of this home the stunning indoor swimming pool winter or summer poolside is surely where you'll spend much of your time the pool rooms well-equipped kitchen makes entertaining either indoors or right out at the patio a breeze known for its entertaining capabilities and hosting parties with guest lists into the hundreds the 2300 square foot pool room gracefully connects to the grounds making this the ideal spot to host your guests the resort feel of this pool room is ideal for those chilly snowy New Hampshire winter days there is nothing quite like watching the snow fall while relaxing in this tropical oasis the current owners have enjoyed many outdoor activities such as volleyball games family gatherings summer BBQs and outdoor living [Applause] [Applause] this home offers a lifestyle that you just don't need a vacation from Bedford New Hampshire is known as an executive bedroom community and has a population of just under 22 thousand residents and is a suburb of Manchester the largest city in New Hampshire Bedford places a high degree of importance on education and as a highly regarded school system welcome home to 65 Barrington Drive you you

This businessman built a lavish shelter in the strangest place during the Cold War



what would you do if the world was about to end most of us would probably just cross our fingers and hope for the best but there are a few individuals out there who have gone to extreme measures to prepare when one entrepreneur thought the apocalypse was imminent he decided to not only survive but to thrive in style from the outside it might seem like nothing much but once the doors opened it'll take your breath away Johnny hey had it all he was the co-founder of popular chi brand celestial Seasonings and own lucrative real estate all over the country still there was one lingering fear that kept him up at night nuclear annihilation after a period of de-escalation tensions between the United States and the Soviet Union shot back up in the early 1980s both sides were stockpiling weapons and mobilizing troops all over the globe however hey was sure the Soviets were poised to strike first and that the entire world would soon turn a bright shade of red America couldn't protect him from this threat but hey could protect himself he was a born self-starter a former Marine he built celestial from the ground up by picking herbs in the Rocky Mountains and stuffing them into hand-sewn bags in 1983 he turned his attention to the tranquil Ozark Mountains in Arkansas he purchased 240 acres of empty land for a mere 140 $6,000 so how would this keep him safe well hey wasn't so much interested in the woods as he was in the gigantic limestone cave that ran beneath them he believed it had the potential to house the ultimate fallout shelter construction began immediately however relations between the United States and the USSR soon improved and it became increasingly unlikely that any nuclear war would take place what could a Jew with his hat bill bunker hey a shrewd businessman as he was knew how to adapt under changing circumstances maybe his underground abode could be used not just for survival but for recreation he drew up a new plan after a few more years of intense construction and furnishing the Beckham creek cave Lodge was born what was once a bomb shelter was now a subterranean high-end hotel hey naturally felt quite pleased with its transformation I didn't want to come through the war like Tina Turner in Mad Max he said so I created Tinseltown to stay in one of the caves four bedrooms guests will have to shell out as much as $1,600 per night although the rate is as steep as the mountain surrounding the hotel the price is worth it each morning you can take a hot shower that'll wash away the problems and worries that you brought from above-ground that's right you can even stay clean when you're living in a cave you can relax and watch a movie on the 75 inch LED television mounted on the limestone walls the lodges thermal heating will keep you nice and cozy even in the dead of winter later on you could head over to the state-of-the-art kitchen to enjoy a classy dinner and good company unlike most bomb shelters the Beckham Cave Creek Lodge has way more than just canned goods of course guests aren't confined to the indorse you can hike around the Ozarks and if you're lucky catch a glimpse of the region's majestic wildlife there's plenty of nature still present inside the hotel too the lodge preserves some of the original key features like these stalactites hanging from the ceiling as well as this waterfall and the beckham's guests never have to be afraid should the danger of nuclear attack ever resurface the hotel can seal all the openings in the cave with concrete blocks like any eccentric millionaire worth his salt hey ah still installed a helipad that could really come in handy for all those instances when the average Joe travels by helicopter if you dream of making this luxurious cave your own you're in luck the property recently went on sale for the sum of 2.75 million dollars one lucky person can make the Beckham creek cave Lodge their own private retreat just imagine sitting by the fire on the front deck with nobody around for miles and miles you could sip a mug of herbal tea and be grateful that John haze paranoia created such a special place the Beckham creek cave Lodge is without a doubt one of the most pleasant places to wait out a nuclear apocalypse share this article with your friends so you can plan a trip out to the Ozarks

Hydro Home 🌊 🐬 | The Sims 4 Island Living GIVEAWAY | Speed Build | CC Free + Download Links



hello there everybody it is me feasor bunny and welcome back to another video so today we're back with another speed build and I'm also going to be doing a very special Island living giveaway so stay tuned for that I'm gonna be talking about that in just a little bit but first let's talk about the build itself so today we're building the hydro home this is a very special house the name itself translates to water house and that is mainly because this build is built entirely in the water so this is basically just a modern glass-bottom houseboat it's got one bedroom one bathroom and I imagine this place would be perfect for a couple that's really adventurous and that's really into water sports so once again we are back building in the beautiful tropical world of Salani this time we're building in the neighborhood of Lani st. oz which is kind of like the beautiful vacationy holiday area of Salani at the moment we are building this on the beach lot which I believe is called the sand Somalian beach it is a 40 by 30 lot I feel like this lot was too big for this build so later on in the video we will be actually moving to another smaller lot in this neighborhood we will be moving into a 30 by 20 lon so yes now that all of that's out of the way I think it's time for the giveaway so I'm very excited to be giving away one copy of a living for you guys thanks to the EA game changers all the rules you need to join the giveaway will be in the description but all you need to do basically is to just be subscribed share this video leave a comment on this video including your Twitter and your Instagram handle and that is pretty much it the giveaway is open worldwide the winners will be chosen randomly and you guys have about a week to join the giveaway ends on July 1st philippine time which is plus a gmt by the way in case we I said no you guys can do the math yourself so make sure you enter before the deadline because the winners will be chosen on July 1st um so yeah good luck to all of you I'm really really excited to be giving away one copy of Island living because it is such a great pack and I'm pretty sure whoever gets it will have a blast so yeah I mean now that that's all said and done let's finally talk about this build itself so um if you guys follow me on Twitter I have been sharing some inspirations for this build now this build is mainly based off of the floating seahorse villa which believe it or not is actually a real-life structure in Dubai now as somebody who works in architecture Dubai is kind of well known as a place for really ambitious and over-the-top architecture I think Dubai is kind of like preparing for the time when it no longer has its natural resources specifically oil that's why it's investing so much on tourism and part of that investment is like spending a lot of money on just crazy over-the-top architecture and I think this is one of them so that's kind of like the main inspiration for this build the floating seahorse villas so yeah I think the end result of this build ended up being a little bit more exaggerated I would say because if you guys look at the reference material it's more like like the shape is more basic I guess which is something that I tried to do at the very beginning if you guys just rewind this video but it just was not looking interesting it just looked like a box so I used some roofing techniques to make it look a little bit more elaborate making it look more interesting so here we go this is what we have and I gotta say I actually really really like how this will turn out it's not the most detailed build it's not the most um you know biggest build by a longshot but I think it's definitely one of the more memorable ones because when you see it it really kind of like makes an impression so this is the color scheme that I ended up going with obviously it's not the exact same as the one in real life because obviously that's not really possible to replicate something in the sims completely as it looks in real life so I had to kind of like give myself some artistic license as I was recreating this for the steps um I gotta say that working with roofs is a lot of fun I think that's definitely one of my favorite aspects of building in the Sims 4 by the way this lot as you can see it is completely floating on the water it isn't really noticeable at the moment but it's actually kind of like hovering like on the surface of the water so I will do something about that later on I'm gonna be talking about that when we actually get there so I think for now the exterior is pretty much done um and now we are moving on to the interior by the way a dis build as much as I tried this build is not a limited pack only build I kind of just use whatever items I felt match the aesthetic that I was going for the thing is because this build was very minimalist and kind of like you know like basic I guess it was really hard to make it kind of worth it if you guys got what I mean like I wanted it to be functional and at the same time I wanted there to be a lot of gameplay into it as well so I used a lot of packs for the suppose I think spa day perfect patio city living seasons what else get famous and all of that stuff obviously all that will be listed in the gallery when you guys download this build also I mentioned earlier that this was a glass-bottom houseboat I finally incorporated those like glass pieces of flooring that we got with Island living I kind of forgot about it at first here but eventually later on in the build I will actually put them here in the interior and I think they really make it more interesting I kind of wish that there was an area where we can build it there's actually like some world reefs underneath like the ocean II area if that makes any sense because if you have like glass bottoms there's really no point in having them if there's nothing interesting to see underneath right so I that's kind of like the only thing that kind of bothered me a little bit as I was building this house on the spot I noticed that it had a very special launch rate I forget what it's called it's like a special luxury but that's that you can't remove it's like the marine life something luxury I don't know it lots of marine life basically so I don't know if the fish will like spawn here or like I don't know but as I was testing this I didn't really see any fish spawning so I'm not sure how rod Vaughn tree works necessarily so also I've used a lot of like decorative items here that aren't really functional like that bar right there it's not actually functional like the sims they can sit on the chairs I believe but you they can't really use that as like a breakfast bar or something but you know it looks nice so you guys can always switch that out and still looking forward to like the actual bar counters that we would get for island living I think they will patch that in eventually but yeah um the main living area of this house by the way is kind of like a studio design so basically the bedroom living room dining room and kitchen they're all in one unit basically so it's kind of like designed as you know a studio basically Here I am incorporating these glass bottom floor pieces which look really awesome even though there's really nothing underneath them so yeah also for the bathroom I just kept it really simple and basic lots of black and white color schemes I wanted everything to look really modern and futuristic also I wanted everything to look built in as well obviously since this build was intended as a houseboat you wouldn't want to make all of your furniture secure or when you're transporting you this house built from one place to another really funny thing though that I've seen online as I was looking up um reference images of the floating seahorse I've seen like some pictures of it sinking like it kind of made me giggle a little bit even though that's kind of wrong because it's kind of like really tragic but I don't know I that's really interesting how there's still some buoyancy issues I guess that makes sense but now we're working on like the top deck area this is mainly like an opens there's a bar that is an actual functioning bar so if you guys really need to have a dining area this is kind of like it and then I made like this daybed here I thought I would never do this again but I was like you know what I really want to have like some sort of day bed for like afternoon chilling out or whatever so I just made that there it's not really a functioning daybed but it kind of looks like it which looks really nice and here I just put in a massage table it came with Spa Day I just wanted to make this area more functional so I thought that that fit so I put that there and I'm just putting in towels here I don't know if these are actually functional but I thought they looked really good as well and by the way these ladders by the way they're all functional even the one here in the center hole of this like front deck area on the water level that is actually really functional and you guys will see in the house too or because I've already filmed it the sim will actually be able to jump from that ladder onto the ocean below which is super awesome so you guys would notice that a lot of the furniture and this build comes in pairs except for those I'm a trio of lounge chairs those are actually based game lounge chairs and they look so awesome I'm so happy they gave it to us for the base game I would use those literally in every single one of my belts and here I just put like a drinks tray for like some refreshment you'll also see me do some lighting here and there just to kind of show you guys how the lighting looks like these are from spotty and I thought that they looked really good they gave off some really good light now this technique I got this from sim Lisi I saw her do this in one of her recent builds I forget the name of the bill but she did like a houseboat a couple I would say maybe about a week ago I I saw her use this shelf she sized it up and she put it on the bottom of the houseboat so I'm gonna be using a couple of these just to make the houseboat look like they're properly supported underneath and look like they're hovering on top of the water because that would have been just way too futuristic trust me took me time to actually get this to look right but I think it's worth it especially for those of you guys who have a keen eye for the detail like that and now we are moving on to the final lot that I will be putting this build in but yeah I put a staircase there because the Sims can't access it without a staircase I would suggest you guys if you want to place this somewhere else to plop it in deeper water so that all of the ladders and things are functional but yeah let's see well something gonna say mmm and also you guys can just delete the landscaping so you can place this houseboat anywhere you want but that is pretty much it for this goes actually so hopefully you guys enjoyed it don't forget to join the giveaway if you want a copy of island living for yourself but yeah that's pretty much all I have to say for now I just wanted to thank you guys so so much for watching once again if you want to support the channel please don't forget to like share the video leave a comment subscribe if you haven't yet anyway I think I'm gonna go ahead and wrap it up right here thank you guys so so much for watching you all have an awesome awesome awesome day enjoy the rest of the video and I will see you guys next time bye bye

Ned & Ariel’s New House Tour



we know it's like the aftermath of a disaster movie the beginning of something wonderful what's up guys before we start the video we just want to announce that today we have dropped our brand new sweatshirt and matching joggers as well as a dad hat as well as a notebook and a poster get it today only at Tri guys calm and now on to the house reveal video yeah we are so excited because we finally finished our home renovation it's almost a year in the making oh my goodness it's been a process we thought that doing a renovation would be easy and awesome because you get to pick everything out yourself but that means you have to pick everything every single thing the Ruffins for the fixtures covers that go over the switches and do you want square switches or do you want round switches when I was pregnant I was here almost every single day checking on things we bought the house in last November and it was pretty old it needed a lot of work cracks in the walls and the whole place was just old nothing had been repaired or replaced since probably the 70s so we came up with the plan we met with an architect and we started knocking down walls we want to turn this main room from a cramped tiny living room and kitchen to one big open concept we're in the guest bedroom / office right now there's this so in the guest bedroom they have these antique windows that were kind of falling apart we ripped all of them out we actually turned the three window into one really big window this is the master and that is yep master a little bit this way and a bunch someone's backyard space like we do so much out here you might even say it's pregnant with possibilities in the master bedroom edition we wanted to expand the footprint and take away two of the walls they told us you're gonna take away two of the walls you might as well take away all four the walls and build it from scratch and the master bedroom we have demolished the entire master bedroom this is the back house now totally demolished venturous trenches here there's my beautiful bathroom shower wait it's outside it took out the whole back wall what I thought was really fun was actually seeing it get built back up yeah well it's starting to look less like a disaster zone and more like an actual construction site we've got some wood framing the holes well you can see there that's where the concrete footers are gonna go imagine we walk in our beautiful bedroom lalala and that's where the bed goes very nice this is the beautiful walk-in closet I'm gonna measure how big the bedroom actually is get any bigger than 25 feet they build it back up going from the foundation to the subfloor holy crap the subfloor went in look at that well it's just like stub plumbing it's gonna be a big bathroom so we've got here is where the tub goes it's gonna be as vanity here a big shower Wow then the frames went up one day and that was very exciting it was kind of a microcosm of seeing the entire home building process alright let's check out the back I hear that they put up the walls whoa oh yeah that's really going fast this is what our bathrooms gonna look like oh man oh man oh it's gonna be so big I've always thought like walking closets is just like something the Kardashians have but it's like this is amazing do we have that metal pieces in the like rough construction phase it doesn't really look like it should there should buy one of everything doing the rough construction phases just like pieces of wood up into the air it's been a rough couple of weeks we've paid thousands of dollars look behind us they had to like rip out the drywall because I'm an inspection open that up open that a stripper pole because apparently our roof was gonna fall down do we have metal pieces that is ugly and crooked so we're gonna try and take some of the power back do some of the projects ourselves so we can have a little more control over it so we built a bunch of things ourselves actually I mean aside from designing the whole thing ourselves we built the bookshelf it's time to get started on our first DIY project which is the built-in bookshelf I have those skills you number one at 58 inches we got cabinet boxes from Ikea put them in and then I actually hauled the wood from Culver City in my car we sanded it down and stuck him on the wall that was a labor of love I wanted those bookshelves so badly so this is the status of the living room so far you see we have some new windows we did a fireplace transformation where we turned it from a brick fireplace into a modern California rustic type of really more California modern California modern modern California I mean oh damn look at this fireplace came out great I would say that the biggest transformation for me was the kitchen oh my god yeah that's ninety-day yeah the original kitchen was super cramped and tiny so we knocked down the walls and opened it up we designed the kitchen ourselves this is the kitchens progress so far you see there's a little bit of work that still needs to be done range is gonna go right here damn those pantries Wow well we knew that we wanted this huge island in the middle of the room we wanted it to be a place where people can eat where they could sit where we could like put food out and people could like stand around so we basically bought IKEA box cabinets you know they're kind of the cheapest option we got these custom cabinet fronts done these are $20,000 cabinets that we did for $4,000 Wow so we're here looking at the countertops very important we've done the most important part of the store the toilets Oh God it is unlike sinking into this right nothing this is bad this offends his toilets I proceed stage 1 was demolition stage 2 the rough construction then stage 3 is finishing that's when they put in the floors they put in the cabinets and the doors to see the big door for the first time all the light switches start to go in and you start to see it really come together once the walls go up it really feels like a house again I'm starting to imagine what its gonna look like with furniture and what its gonna look like you know like actually living in the space we are starting to build the deck and we realize that we don't have a saw that can properly cut a four-inch beat-up cry yeah I'm Tony Lee damn its deck day Ariel and her family have done a great job building the substructure of their deck it's time to put on the decking really getting decked over here we're at board number 20 we're about to put it down look at the get all of it let's cut to the beauty shots oh we almost got 34th it's like almost 9 o'clock midway through the construction process Ariel went into labor we were actually in the middle of building the deck outside on the night that she went into labor how you feeling that project Ariel I'm feeling awesome baby's feeling awesome we're doing good yeah we go got it we got a baby she's okay and then the back half of the house still wasn't even done for three months after we got back from the hospital it's moving day Ariel and I are moving out of our rental into our new house we actually moved in before the house was 100% complete it's the first week you found a baby there just when I was taking care of them right now we're exhausting rules Leiby we're 100% oh we're hanging in there and then we have this beautiful house now we're gonna fill it with boxes oh my god it's beautiful it's beautiful it's all painted now and look at the finish on the wood floor there's boxes everywhere and it's a little bit of a mess but like we've come so far and we live here and now this is the deck that might have sent Ariel into labor this buy the house spill under construction appliances go in and the furniture comes in and then it's like you live here we made it the TV survived everything else survive now we just have to unpack but first we're gonna pop some champagne Wesley this is a message to you in the future this is the first night in your new house filled with boxes there's your mom you already saw grandma there's grandpa so the first three months of the baby's life we are living in a construction zone it's the morning of the hammering there sighing there's like dust in the air it was really stressful I haven't shaved the entire time Wes has been alive still have a lot of work to do on the house looks nice but it's not exactly livable what oh my god this closet is the size of a bitch you could fit a car in this closet well I get excited just the bathroom it's coming along okay showers for any area is it just me or are these lights not like a thousand percent low the final finishing stage was maddening because it was at that point all of the little details really needed to get fixed and you're like wait a second this is not rough construction anymore this needs to be perfect god this is just this is ridiculous definitely not what we are looking for I drove the wrong hole sighs I used the wrong cabinet pole and now I don't know we could have a hole in our brand-new cabinet people who are installing the oven nicked the gas line upon installation so the oven doesn't work we're waiting on parts right now call this morning and probably one more week but we've already been three weeks with other stove wins one more week right we have a working stove it's been like over two months of not having a functioning stove we finally got it fixed we're gonna boil this look at this water we're starting to install the tile so I did this cool thing with the tile where the tile on the floor of the bathroom actually extends into the shower so that it makes the bathroom look even bigger it real picked up this beautiful oh my gosh banish inspire dragon I am just in love with cement tile I wanted to keep the style of the Spanish house we're doing open shelving mm-hmm so we've got two shelves here others too weren't going in here and here but I decided to style these anyway yeah yeah they're here they look beautiful Ariel has this thing she likes to do where she tries furniture out and a bunch of different ways there was a period of a couple of weeks where she would move the furniture from one side of the room to the other I would get used to an ottoman and she's like I don't like this one and she would send it back in order another one do you like the new sofa yeah the answer is yes it goes from an old house that has potential and you have a vision of what it could be then you tear out a bunch of stuff and feel very destructive and then little by little it gets put back together and all of a sudden it starts to feel like a new house whether it worked or not it's done and yeah you live here now welcome to our house welcome to our house we are so excited to be showing you all the details of our fabulous home makeover this is our bookshelf boom I love it because I can just put all of my like little bits on it I thought it was just gonna have books on it and then Ariel turned it into like this beautiful art scape it's gorgeous it is amazing thank you moving on this is our living room sitting room yep I like to call this the sitting room because it is it is only for sitting and this is where we keep beams to it oh it beans toys are here Rick and then this is a fireplace we did a DIY project here it used to be red brick but now it is white with a nice little modern man hole we replaced this tile with like the nice Spanish tile this is the dining room it's not so much of a room as it's a table in the middle of the room but it totally works yeah yeah that was that was my idea and this is the kitchen also we have the floating shelves yes I realized all of these shelves herself we have our custom range hood we wanted it to be white so it kind of blends in so this is actually all of this used to be one big wall well technically there was a door here and there's a door there but we turned it into one giant door check it out oh my goodness we've got the deck that adds like 300 square feet of living space this is where we spend most of our times it's the cozy couch it's the cozy couch that guy's game time this actually used to be the dining room we open up the wall couch here for the couch here Erol designed the whole house but like I designed this area so I did a wall-mounted television pretty cool I mean it's like some next-level stuff let's go on in the bedrooms so we've got the guest room first which is also the office once we had a baby we realized it's very nice to have guests over we got a little desk here a bed here so all over the house we have these custom draperies I love love love them and this used to be three old windows and we kind of turned it into one big window gone into the turret room this bathroom was a labor of love it really needed a lot of updating my favorite part of this bathroom is the tile so pleased with the tile we have a new marble top to the sinks we updated the fixtures have new lighting and then we've got our Harry Potter yeah we retiled the shower this is a hallway that wasn't actually in the house initially it used to be one big room here up top we put in skylights so that there's natural light in this hallway all right let's move on to the nursery room this room used to be like the antechamber to the master even though we took out two three feet for the hallway it's still a really good-size room babies don't need that much space pretty much every time you would go in there it would be like this soothing space Ariel created like a little wesley tableau we're very happy with this room it's finally come together okay big time for the reveal of the master bedroom which basically was built from the ground up let's check it out that reveal it's huge yeah the original bedroom probably ended like here yeah it was like less Meghan Barrett we wanted like a big old bed we've never had a king-size bed before I really wanted like place where you can hang out like and just like a place to put on your shoes so we put in a gorgeous leather couch in this like little sitting area it's like very relaxing and now we have our walk-in closet our closet is designed as a his-and-hers so there's multiple racks there's a racks for pants and racks for shirts there's a central cabinet on each side where you can have drawers and also some are open drawers we have some pictures of us in there and I have a shoe section my clothes have never been so organized so the bathroom was originally part of the back yard but we turned it into this very spacious bathroom with room for a tub pretty great one of my favorite parts is we have not one but two showerheads oh man mind blown it's awesome it's very very decadent very big and it's also really comfortable so I guess we can just walk you right back out okay that's it thanks for watching our house tour I'm very happy with all this I'm very happy to I mean it was a long long process and I'm glad it's over but I'm also glad we went through it because next time boy thank you all so much for watching we have posted some links for some of our favorite products that we used in this renovation you can see those in the description below comment what your favorite part of the transformation was I because I just know what you guys like the most yes what do you think you like it I can see us living here for a long time me too I'm excited to grow into it with you me too we're gonna raise our family here [Applause] oh that's a good dance

Aquaponics System – $75 – How We Easily Build Aquaponics Garden



you hi I'm drew Hopkins and I'm John Parr we are veered Asarco ponics we have a vision put an aquaponics greenhouse in every school in the United States the way that we've been dealing with food on a global scale neat needs a change with this greenhouse and this volume we can feed everybody with a tiny footprint we're here in the middle of this great big commercial greenhouse and we'd like to take all the components that surround us and bring it into a small greenhouse that can fit in a schoolyard you'll see there's a current in the water and it's circular the aquaponics greenhouse project provides a perfect learning platform for teachers and students they can study anything from agriculture and biology science chemistry and because ancient civilizations use this method to grow in thousands of years ago they can study history also so you guys what do you think of aquaponics they're foods yeah less chemicals in my food yeah the fact that one of these systems could exist in an urban environment was a huge draw to me and interest in aquaponics they say it takes a village to feed a family and that's certainly been the case here my wife and our three kids and Drew and his family have been instrumental in getting this thing done John had a great deal of knowledge he's a guru of aquaponics and matt has made amazing technological advances our plan was to start with 5,000 square feet per month and just expand into it but then for months we've completed this 90,000 square feet 2 acres that's so I think that's what let's blow our hair back the most is how much this can produce and how fast what can we do to change agriculture to make our planet better and right now there's so many people that are passionate about green Living recycling composting and eating better and more healthy that it's the perfect time to introduce aquaponics aquaponics is the combination of two industries aquaculture and hydroponics it all starts right here for the tank of fish this fish was planted nine months ago at an inch long and that beautiful sturgeon the sturgeon provide the nutrition by eating the fish food which then is passed through a number of filters finally it falls into this ladder sea this is a bladder bag of water it's just a big bag of mud and as the water flows through here it's available to these plants which wick the water up and grow like crazy it comes across here under the ground into the stream of water and it comes up here like a spring where everything that a plant needs is bioavailable in this teeth of water flows back and forth through these streams until it's deficient of nutrition again and then it's circulated from here right back up to where it gets bubbles and Falls like a waterfall and oxygenates the fish again so the entire system is closed and healthy because clean water goes in and fertilizer water comes out this is aquaponics I would say the three things over conventional farming that aquaponics provides is one sustainability aquaponics must cherish the ecosystem so we're really conscious of that we don't put anything on these plants that we couldn't eat to the yield per square foot out in the field they get three heads of lettuce per year here we do four per month three the water conservation we're using five percent of the water of all the farms around us to produce more food there you go to bite into that thing so this area of the table represents five thousand seats which are planted every day we plant five thousand seeds a day and we harvest five thousand plants a day in each acre with this greenhouse and the capacity to grow food at this scale is an amazing gift to put in the hands of children teachers and communities okay here we are same system really being used and here is a review let me see if I can catch some fish there as you can see we got tilapia look at that catfish some goldfish goldfish are great if you say help prevent mosquitoes then here's that second one I was telling them look at the plant styrofoam you can buy that at Walmart thought you'd buy containers they'll hold up I used a big container of ice anyway you want to there you are but we're working the system there it is again as you can see it goes down here and right there putting air into it see it's nice and close and what I did here is I did something a little different because those straight pipes the water was going all the way in here I didn't want that so I just put again I spent 25 cents oh no 35 cents for these and look at that it just goes straight there this is where it was I just made it just in case the second one in case it was too powerful because there's a pump again a fifteen dollar pump as you can see it's just doing it to the filters on the outside instead of inside and as you noticed personally I'm using the food grade tubing right here because I want people to see what's going as as we teach them and as you see it goes straight there right there all the way down into the system let me back up and it's on a pilot just like there those are something I found you can find anything you want to hold it up can be a table it can be anything and there we are is an aquaponic system that you can build and I'm gonna stake realistically I say 70 75 dollars thank you very much this is chaplain Ian Perry wishing you very much luck as my son is saying goodbye if you have any questions feel free to email me at ki4 ngz that's a numeral number for ki for ng z at yahoo.com and may God bless you and your family