Auto news on Youtube Oct 31 2017

- [Speaker] Today's episode is sponsored by LimeBike.

What should we expect from Stranger Things 3?

Now before we even get started with today's episode,

spoilers, obviously.

With our bellies full of Halloween candy

and our Netflix cues full of fresh new

Stranger Things episodes to binge on,

we're already looking past the events

of number two to figure out what

may be in store for number three.

Now executive producers Shawn Levy and Dan Cohen

said they know the setting and the key points

of the next volume but are wisely

keeping things under wraps.

But from what we've seen in Stranger Things 2,

we can already see some stranger things

lining up for Stranger Things 3 when the show returns.

First off, Levy and Cohen already let it slip

that there will be a time jump,

like the year that passed between Stranger Things 1 and 2.

It'll just get harder and harder to hide the fact

that these kids are growing up fast,

so rather than have the actors play younger,

they'll let the characters grow up right alongside of them,

the way that Harry, Hermione, and Ron

grew up throughout the Harry Potter films.

Now the Duffers have said they didn't

wanna leave a bunch of cliffhangers

like they did at the end of season one,

and they did manage to wrap things up

pretty neatly while leaving some possibilities

at the end of this season.

So with the time jump pretty much guaranteed

and fewer cliffhangers to clue us in,

what do we think we'll see in Stranger Things 3?

Well, first up, the Mind Flayer.

While the team was able to stop the shadow monster,

they didn't actually kill it.

In an interview with The Hollywood Reporter,

Ross Duffer said they've shut the door on the Mind Flayer,

but not only is it still there in the Upside Down,

it's very much aware of the kids, and particularly Eleven.

It had not encountered her and her powers

until that final episode.

Now, it knows that she's out there.

So could we see a rematch between

Eleven and the shadow monsters?

It almost seems to go without saying that we will.

As we saw at the end of episode nine

with the Mind Flayer hunched over the school

in the Upside Down, scored perfectly

to the Police's "Every Breath You Take,"

it's watching her.

We will also probably see more of

Eleven entering the outside world.

After the suggested additional year of laying low

while the dust settles on the Hawkins

lab infestation and news story,

we'll see Eleven emerge from obscurity

and start to lead a more normal life.

In fact, that diner scene between

Chief Hopper and Doctor Owens may have been

the Duffers straight up telling us

when exactly they'll pick things back up.

And the year from the closing of the gate

and Snow Ball will bring the kids to yet

another new, scary dimension, high school.

(silly distorted screaming)

Everybody's favorite time in life,

with the A-V club moving into 9th grade

having to navigate a whole new set of bullies

that will make the Mind Flayer

look as harmless as a pollywog.

Moving on to Will Byers, who has been

exorcized of his demonic dust bunny possession,

Actor Noah Schnapp, who plays Will,

isn't convinced his character

really is free of the Mind Flayer.

The Duffer brothers say he is,

but we think that Noah makes a fair point.

He will always have at least some

lingering effects from his experience,

whether it's physical trauma or emotional,

but if the Mind Flayer really is done with Will,

there might be a couple other people

it could try to use to get back into the human world.

Hopper and Dustin were both exposed

to the Upside Down's spores or toxins

or dust or whatever gross thing they both

got sprayed with while in the tunnels,

so they could potentially act as

gateways or incubators for a shadow monster

comeback in the next sequel.

Episode seven, "The Lost Sister,"

also brought up some potential story points

that could be explored more in Stranger Things 3,

Eleven's lab sister Kali is presumably

still out on her revenge mission

and might come back into the picture

to re-recruit little sis.

We could even see more of this family of lab children,

and in this Episode, Eleven also found out

that Dr. Brenner, the former head of Hawkins Lab,

who put her through years of torturous experiments,

is still alive somehow even though the last time

we saw him in season 1, he was being

pounced on by a Demogorgon.

We can't imagine Eleven will resist

trying to find him at some point,

but what do you folks think?

Will the Demodog in Joyce's freezer come back to life?

Will Mike and Eleven go on a double date

with Lucas and Mad Max?

And will Billy and Steve just make out already?

Let's discuss!

And thanks to LimeBike for sponsoring today's Nerdist News.

With LimeBike dockless bike sharing,

there's always a bike nearby.

Check out their sick Halloween Stranger Things-inspired

short film, "Stranger Generation."

And if you're in Dallas, D.C., Seattle,

Miami Shores, or other select cities

where LimeBike operates, on Halloween you can help

#FindBilly and get some goodies and treats.

Follow @limebike on Twitter and Instagram

to help find Billy.

(upbeat music)

For more infomation >> What Should We Expect from Stranger Things Season 3? (Nerdist News w/ Jessica Chobot) - Duration: 4:33.

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What Should You Do With Your Money? - How To Make Your Money Work For You - Duration: 9:22.

Would you like to learn how to make your money work for you instead of you work

for your money? I'm Lauren Gilson and I'm excited to share with you some of the

things I've learned in the financial industry, as well as just my real life

experience of being mom, a wife, a business owner. So make sure you watch it

to the end because you'll get some really great content at the very end

when I show you some things.

So we're going to talk about how to make your

money work for you. Now I just want to put this disclaimer right up front,

this is in no way any kind of specific financial advice. What my goal is in

ensuring this with you, is just to give you some overall principles that will

maybe create an understanding for you to dig a lot deeper, ask a lot more

questions and then talk to people who have licenses and who are very qualified

to give you very specific and direct information but I just find that so many

people don't understand that there's these different levels of investing and

the risks and benefits associated with that and then right out front, I just

want to tell you, there is no perfect world, there's always a loss or a there's

always a benefit and there's always a cost and so the most important thing is

just know that, if someone tells you there's no fees or whatever, then you

need to ask a few more questions because any time when you specifically are

talking about specific financial tools built within that that is a way to

pay somebody who's selling it and so the company is there to make money,

the person who is servicing is there to make money and that you're there to make

money and so it's a give and take on what's important to you and where you're

willing to give on that and how it shakes up in the benefits that you're

going to reap from that. So having said that, I just want to share with you the

board that I've created here and so two things,

instruments of debt, there's a lot of people have a lot of really bad you know,

gang of things about down debt but debt actually is an instrument for

creating wealth and so I just put them here, a couple of examples to show you.

So a CD and savings, now that's an instrument of debt and that you take

your money, you actually put it into the bank, they by contract now are using your

money, so by contract, they have your money, they are, in essence, in debt to you

and that it's your money and you have it. It's protected by a contract, so there's

no risk involved in that, they're gonna say, we're gonna use your money, we're

gonna pay you X amount for letting us use that money and the reasons

banks are so profitable is because they're very very good at using that

principle with many people and using and continually keeping their money flowing.

So the downfalls of like a CD or savings is, you have no return and if in

a CD situation, you have limited liquidity, so in savings, you usually have

free, you can access it whenever you want but you have a lower interest rate and

so anytime they can have your money for a contractual period of time, they know

they're gonna use that money and make money and so if you're gonna allow them

to have your money longer, they're gonna pay you a little bit more so that's why

in a CD, you have limited liquidity but there's no risk and there's

no fees there, they by contract will pay you in agreement with whatever was set

up when you set that account of. Now, we can go to other instruments of debt.

And that would be any kind of a cash value life insurance product or

indexed product and because it's a contract for a certain period amount

time, they know they have it, they're going to take that and they're going to

use that to create more money for themselves but they're also going to

pay you and so most of the time these are contractual for a period of time,

within that, they will use a lot of indexed product, so they're capturing the growth

of the market but you're not in the market, you don't own anything, you're in

a contractual relationship and the contract is, you're going to pay them

money, they're going to take their money and they're gonna use it and then

they're going to either give you a percentage of the growth of the market

that they're experiencing, most of the time they will offer no risk of loss,

meaning that if the market tanks, you're not gonna tank with it or if the index

loses, you're not gonna lose but they'll give you a growth so let's just say

the index grows 14% but usually they're gonna cap you, like eight, seven, just

depends on what it is going in and that's contractual, you'll know that

going in. Once again, because they're maintaining your money, it's a

period of time, you have limited liquidity in that and then within that

there's fees in that as well. And so when we go over here to private

ownership, it's a little bit different in that, it's yours, it means if you own it

you get full growth and you have full risk, so that is the benefit, you get the

full growth, it's liquid, especially when you're looking at variable products or

stocks or mutual funds, any kinds of funds, it's liquid, it's available, you can

come in and out. Your potential for loss is 100% yours and the fees are always

going to be there. Now, they have, a it's called active management, it's another

license, it's another investment tool basically, it works like mutual

funds and stocks except for as active managers, they're like a third party

watching over and taking care of your things and they have the ability to watch the

market in algorithms and trends, so it's not so emotionally driven as stocks and

mutual funds and they have the ability to watch it in a way that they always

try to take you out of the market, when it's right, you know, before it falls,

so you're always going to have a little bit of a risk of gain or loss but they're

able to mitigate some of the risk and so it's just another tool that is available

to help you manage and capture some of the growth with your money. So they're

kind of a hybrid between these two and then, with in that we have our own

businesses and and once again more ownership, so we're 100% responsible for

risk and growth and we get to capture that and you know some of the benefits

of that is, you control your own time and you get to have more control of the

results, some of them not so fun things about that is the cost and associating

with that and of course the rest, real estate, the same thing. So it's

always, for me, it's a conversation of how liquid is it, how quickly can I get to my

my funds if I need to, it becomes a question of once again, what's more

important to me that I have control, I have full risk or that I'm managing risk

and I don't have losses. Anyway, so this is just a really broad conceptual way

for you to take a look at the possibilities and kind of put them into

categories that really help you make some decisions, a little bit more

education philosophy based decisions about what you want to do with your

money and the possibilities and opportunities that you have there.

And then just to finalize, I just want to reiterate that you know, it's your

responsibility to ask really pertinent questions and so hopefully, from what

you've learned here, that will actually empower you to ask

questions, like what are the fees, how has money made, what are the time limits,

what are the contractual obligations, what is the rate of return and what can you show

me as far as market performance and past performance.And so ask those really

critical questions that will really empower you to be able to invest your

money with confidence and make your money work for you. Thanks for watching

my video, how to make money work for you. I would love to hear what you learned

in the comments below I actually would like to learn too.

What are you doing in your life to make money work for you? So make sure you subscribe

so you can catch next week's video.

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