Youtube daily report Jan 19 2018

Hello! My name is Tania Castro, Welcome to my channel!

Today I've got a new video about how to make a homemade purse

using easy-to-find materials that are also very cheap.

So I am going to show you how the purse turned out and also

I am going to put up some photos so that you can see it

This is the purse... this is how it turned out

I like it very much. It has a long chain strap.

And... What I like the most is the padding here on top

It makes it look more professional to me

I showed it to my mom and my sister and they said it's beautiful, and Chris, too.

I hope you like it!

This is how the back part looks, and this is how it looks in the front

The bottom part.... as you can see, it's sewn well

The only thing that I am going to tell you is to buy a type of leather fabric that is softer

because, this fabric is tougher and it made it difficult to use the sewing machine at the end of the project

it almost didn't work because of this

so I ended up gluing the lining with silicon glue

because it was not working and that's I recommend you buy a softer fabric

So now I am going to give you some instructions really quickly

about how you may want to look at the purse, and analyze it

For example if you have a purse and you want to make one that looks similar but in a different color

then what you could do is count how many pieces of fabric the purse is made of

So I see here the top part, this one in front, the back piece, and the sides and bottom are one part

So look at your purse, draw your template of paper or cardboard accordingly,

and then you will trace that onto the fabric, and you are now going to see the steps of how to do that

I hope you like this video, subscribe... AND

If you like to see tutorials of how to make purses, let me know in the comments and I will make them more often, Thank you!

These are the measurements that I am using, as you can see, there are just 4 pieces, no more

So you can pause the video to see the measurements and draw them

Here I am going to trace the measurements that I had already drawn on the paper because

it's much easier. I am going to trace them leaving a few centimeters on the edges

for when I have to sew them.

You already know that this is the bottom part and the sides of the purse

There really aren't many parts

Here is the front part, and you can see that all of the parts have the same measurement

The only one that is longer is the top part

This is the back part

also leaving centimeters of separation, at least 1 centimeter extra should be left for when we sew it

Now I am tracing the lining, using the same template that I used to cut the leather

because it's going to be for the lining of the purse so that the threading of the leather can't be seen

As you can see, this one also measures 25 centimeters wide, the front lining and the back lining,

The only difference is that this one is 21.5 centimeters in height while the others measure less

It's important to get the measurements correct because it's fundamental.

If not, when you try to put all of the pieces together, and sew them together, they are not going to fit well

This one measures 55 centimeters because this one includes the bottom and the sides

Also, you'll want to take into account that the two sides are the same length,

when you sew them, they aren't going to turn out well if you cut them to different lengths

This is the front part, so I am drawing lines with the ruler where I am going to use the sewing machine

(but the sewing machine didn't work well for me here so

I didn't put any padding here...)

I used the same process in the top flap of the purse. I cut the sponge fabric to the same measurement.

The first thing that I am doing is to make a hem, and then I am going to sew the hem to the leather

and then I am going to connect the two pieces because if I try to sew all three pieces together,

the sewing machine wouldn't do it because the three pieces are too thick

In the parts that are formed in half-circles, you'll have to cut them into smaller pieces

so that you can round them when you sew them and they don't come out square

Here I am sewing the hem to the leather as I mentioned earlier

This sponge is especially for this, it comes very thin and I bought about 6 yards for $4

so it was super cheap. This part is easy because all you have to do is connect the pieces.

This upper part is where I am placing the magnets because it's the top flap of the purse

so when we close the purse, these magnets will touch the magnets on the front of the purse

I am using silicon glue here because it's a very easy way to do it.

It would have been difficult to use the sewing machine because I'd have been

trying to sew on top of other sewn threads

because I already made the hems of both sides

and don't worry, because we are going to use the sewing machine to pass over the lines

that we drew with the ruler, so it will all be securely fastened together

Moreover, the hot glue is really good with this fabric, it's really tough to undo the hot glue

Here we are just going to sew over the lines that we drew earlier.

As you can see, this part is very simple. They are just straight lines but they end up

looking like diamonds instead of squares

It's very easy to do this part and it gives the purse a professional touch. I like how it looks.

Now I am going to sew the sides and bottom to the front part.

I put it exactly in the middle because the sides must be left ready to sew

Here I am assembling all of the pieces, like putting a puzzle together

because they are all already cut and I labelled them all so that I can identify them so it's not confusing

I cut off the corners so that they come out round and it will be easier to fold

because the leather is pretty tough, if you don't cut the corners the purse will be very difficult to sew

I already sewed one side here, and now I am going to sew the other side,

Here we simply have three pieces, the back piece, the front piece,

and the long piece which will serve as the sides and the bottom

Here it is all together and assembled... the form of the purse can now be seen

These are the "hooks" or fasteners that I bought at the craft store and they are very cheap

Here I am sewing them with the same fabric. I cut off a small rectangle of fabric

and I'm using the rectangle to attach it to the purse

Before you put in the lining, you have to put in the hooks so that the sewing thread can't be seen

This is the lining of the inside part in Lycra, I am making a hem here

because I am going to put the pieces in separately because it's easier

This is one of the pockets for the inside part for money or cards, and I am making two of them

It's easy, you just have to cut a square and fold it over to give it edges so it looks like it has a hem

Now take the sides of the lining and glue the pocket onto it, and obviously not on the top part!

Reinforce the pocket with more glue in any parts where it hasn't connected well

Now, we are going to use the same poster board we had earlier to cut pieces of cardboard

It's good for these to be a bit thicker so that the purse has a firm structure and doesn't wrinkle up

I am gluing the Lycra onto the cardboard so that the purse has form and the threading cannot be seen

I am also going to put this in with silicon glue because it would be more difficult to sew it

Now I am making the front part and the back part

There's not much science to it, you just have to line the cardboard with the fabric

Just put on the hot glue, and line the cardboard, and cut the corners so you can fold them easily

This back part doesn't have to look perfect because this will be in the wall of the purse

The front part has to look good, though

Don't worry if it looks a bit... "clumsy" as I like to say

These are the parts that have to look good... the visible parts

Here I am placing the magnets so that they are in the same position so that they touch

when the top of the purse is closed

Here I am placing the back wall and now the front well

This way, the purse has form and structure and will won't get wrinkled,

I am attaching the chain that bought at the craft store

Now I am gluing on a bow with silicon glue, and I put it on to reinforce the magnets

because, given how small the magnets are, they aren't too strong

so you'll have to buy bigger ones than me so that the purse closes shut

I put a little bow on and it looks pretty, it doesn't look too simple or boring, and now it's ready

It looks very professional with the sewn lines, and if you make your own, send me a photo!

How Long official video

For more infomation >> How Long official video

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REBELS sezon 4 - TRAILER w połowie sezonu [NAPISY PL] - Duration: 2:36.

For more infomation >> REBELS sezon 4 - TRAILER w połowie sezonu [NAPISY PL] - Duration: 2:36.

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Primitive technology: A frame hut - Duration: 9:05.

Searching for stone

Turtle

Quartz hammer stone

Amphibolite stone

Knapping the axe head

Pecking the axe head

Grind polishing the axe head

Wood for axe handle

Making stone chisel

Carving mortise in handle

Burning mortise to make hole larger

Tapering handle to make it more ergonomic

Axe finished

Timber for hut

4 X 4 m area

Sharpening wooden stake

Lashing 4 m long ridgeline to back post

Putting in post

A frame for front of hut

3 m long Rafters

Wait-a-while palm fronds

100 fronds

Splitting fronds

Thatching

Tying with vine

Taking thatch from old hut

Thatching ridge line

Making jockeys to weigh down the thatch on ridgeline

Tree stump

Fire makes it go away

Uprights for back wall

Cane for back wall

Stone footing (prevents rising damp)

Digging a drain and making mud at same time

Daubing wall

Axe rack

Making a bed

Palm fiber

Atherton oak nut

A small meal

13 inches of rain in 24 hours

Floor remains dry

Drain diverts water away from hut

A frame hut

For more infomation >> Primitive technology: A frame hut - Duration: 9:05.

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Home treatment of honey and nuts to take care of the health of the thyroid - Duration: 5:53.

For more infomation >> Home treatment of honey and nuts to take care of the health of the thyroid - Duration: 5:53.

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Meek Mill x ASAP Rocky x Bi...

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Possession: Egbert, the teddy bear - - Would I Lie to You? [HD][CC] - Duration: 2:28.

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(ps4) kingdom hearts hd series - 91 - i take it you're riku (korean subtitle) - Duration: 20:28.

For more infomation >> (ps4) kingdom hearts hd series - 91 - i take it you're riku (korean subtitle) - Duration: 20:28.

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Primitive technology: A frame hut - Duration: 9:05.

Searching for stone

Turtle

Quartz hammer stone

Amphibolite stone

Knapping the axe head

Pecking the axe head

Grind polishing the axe head

Wood for axe handle

Making stone chisel

Carving mortise in handle

Burning mortise to make hole larger

Tapering handle to make it more ergonomic

Axe finished

Timber for hut

4 X 4 m area

Sharpening wooden stake

Lashing 4 m long ridgeline to back post

Putting in post

A frame for front of hut

3 m long Rafters

Wait-a-while palm fronds

100 fronds

Splitting fronds

Thatching

Tying with vine

Taking thatch from old hut

Thatching ridge line

Making jockeys to weigh down the thatch on ridgeline

Tree stump

Fire makes it go away

Uprights for back wall

Cane for back wall

Stone footing (prevents rising damp)

Digging a drain and making mud at same time

Daubing wall

Axe rack

Making a bed

Palm fiber

Atherton oak nut

A small meal

13 inches of rain in 24 hours

Floor remains dry

Drain diverts water away from hut

A frame hut

For more infomation >> Primitive technology: A frame hut - Duration: 9:05.

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Region I Updates - Duration: 1:13.

Aloha from Hawai'i!

It is hard to believe it is 2018 already.

Before I share updates about this year, I would like to take a moment to reflect on 2017.

Steve, my co-representative who is not here in Hawai'i with us but has worked closely with me

on a lot of things for our region.

All State Associations in Region I have had their statewide conferences and had their election of officers.

It has been an exciting new start as state associations begin their new terms.

Now, with 2018 underway, we are all looking forward to the NAD Conference in Hartford, Connecticut –

which happens to be in our region!

Our sleeves are rolled up to get ready for the conference, the Council of Representatives meeting,

workshops, evening events like College Bowl, and more!

A lot of fun activities are in the works!

We look forward to working together with you and welcoming everyone to Region I.

Join us in Hartford this July!

For more infomation >> Region I Updates - Duration: 1:13.

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I SUCK AT SIMS 4 VIDEOS AHHH - Duration: 1:47.

hELLO welcome to my bad channel and my even worse sims video

im gonna try and learn to make actually good sims videos because uhhh i suck

so stay tuned for that! im probably soon gonna upload a cas video since that lags the least for me

i would do actual gameplay but as you can see it lags sO BAD

i use OBS studio for recording and if you know how to possibly make my videos better then

PLEASE COMMENT DOWN BELOW HELP IM IN DESPERATE NEED

okay this is the last subtitle baiiiiiiiiiiiii

For more infomation >> I SUCK AT SIMS 4 VIDEOS AHHH - Duration: 1:47.

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Hyundai ix20 1.6i i-Vision - Duration: 1:01.

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Człowiek, Kosmos i Makrokosmos. - Duration: 20:14.

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Toyota RAV4 2.0 VVT-i Executive Automaat | Leder | Climate Control | Cruise Control | NIEUWE APK - Duration: 0:54.

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b-day collab ┒love sick┖ - Duration: 4:27.

Like me again

I'm sorry

I want to sleep with you

You make me miserable

Then why did you say that you liked me?

I'm Sorry

And thank you

I'm sorry

For more infomation >> b-day collab ┒love sick┖ - Duration: 4:27.

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Polski punkt widzenia 19.01.2018 - Duration: 20:08.

For more infomation >> Polski punkt widzenia 19.01.2018 - Duration: 20:08.

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How Sonic Mania Makes a Level - Duration: 12:42.

♪

Sonic Mania may have made me wet my pants...

This was Sonic's only game of 2017 that's right the only one!

And I'm not talking about this visual novel here we only press one button to move through the story

Sonic mania was a breath of fresh air for Sonic fans everywhere -

a tight platformer with callbacks to the original trilogy with both old levels

and new ones. A lot worked here and I want to see why that is you know -

take it out for dinner, get to know it, take it home, strip naked and see it for what it is

And I know Sonic is no stranger to 2D outings but I'd argue Sonic Mania

nails the core appeal of Sonic's level design.

To put a shortly Sonic's 2D level design is all about going fast and staying fast

In ways such as gaining momentum on slopes or platforming superbly in order to keep your speed up.

Now I know not all Sonic levels are like this, some are more focused on platforming

but typically we know a Sonic game is good when it reaches that happy balance

of platforming and speed - if you can balance out the slow sections with fast

sections that makes it sort of like a reward. Too much of one or the other and

the level can fall apart. That's why Sonic mania is a blessing you know,

I don't love every single one of these levels but I don't loathe any of them either.

None of them are Marble Zone, Sandopolis...

Labyrinth son of a bitch zone - ya son of a bitch

ya never gonna be in a game again

So today I wanted to look into what makes a Sonic Mania level

So how am I gonna do this? Well it'd be easy to break down a level like Green Hill Zone,

being the first level and establishing many of the things but

tell me - how many times will they reuse this level?

Okay wow, This sentence is still going isn't it?

So instead I'll do something different. We're gonna talk about a level that I

initially disliked upon its announcement of being in Sonic Mania

a level where the original I actually kind of despised...

Yeah, it's really weird - you come out of Mushroom Hill a level all about speed

and then you go to this

Waiting: the level

And I'd argue at least half the time you spend in this level is waiting for these elevators or switches

Actually you know what let's see that. Let's see if I go on my software to edit this,

let's see we're in this level of act 2 I actually have to wait

So after checking,

literally half of the level is you waiting for other things to happen

Of course I did include that boss fight with the laser where shoots his own ship

because really that whole, the whole fight you're just dodging the slowest

laser in existence. Do you really hate your level this much my man

Do you want to talk about some of the feelings you're harbouring?

I didn't like it in Sonic and Knuckles and I certainly wasn't charged about it being in Sonic Mania.

So I'm gonna break down exactly how this level came to life from the mechanics

introduced in Act 1 to building upon them in Act 2

Let's begin with act 1

and what I really appreciate about this level and as we're gonna go through it

shows you all of it's levels unique mechanics within the first two minutes of the level

That's it, it's a concise valuable skill

So you get on the music's all -

And you see this thing - should you avoid it? Should you step on it?

You have no other way up so if you avoid it you got mad trust issues

So you get on it and you launched to this curve if you don't press any-

You don't press anything you

should just roll through this most of this part you know you see what's happening

and this part is exactly the same as how it appeared in the original

flying battery but after here they change up a few things that really

benefit showing the player what the level is all about

Unlike in Sonic 3 this one introduces you to one of the levels main mechanics the monkey bars

but it does it in a more linear way you know these little foot measuring things

that launch you? So you step on it and it launches you into the monkey bar so now

you know you can grab onto these things and if you move to the left you move to the left

then one drops you down and now you can see how they work

Also we see that these metal pancake sprinklers shoot fire

And other than this flamethrower being

and actually shows you how the mechanic works better than

it did in the first Flying Battery. This one you just run into it like how could you see that coming?

Instead it puts you on the monkey bar so whether you're here here or here it shows you man's aren't hot

and we're keeping it that way

Then you descend into the ship with more of what we've already seen except now it mixes up these properties

You can see that you actually have to dodge these sprinklers

And then there's these Mouses!

Augh! Begone filth!

what you know about these monkey bars you can go down and all the way to the

right but if you're a little rascal you can actually go to the left and get a fire

shield and I also like to point out they put this here so you can see that the

fire shield makes you immune to the fire shooter and the only way you knew there

is a fire shooter there is if you already went through there so that's why they loop it!

How are they this smart?

But then you get outside and it's kinda getting scary...

There's a drop there - you fall you're gonna break your ankle and that hurts!

I remember in the first Flying Battery I'd always run really fast and then just fly off and

die because I didn't know that it was a death plane

Luckily we have these bars and rings above us to help us navigate our way through the platforms.

It also shows us there's these mesh cylinders again. As we continue it's a pretty

straight shoot to the foot measuring thing but down here you'll notice a

little ring box - how do you get it? Even if you're speeding by the game will show you

that it is there if you want to go see it. It's smart, it's like

"yo, you know you can go down here right there's something here"

But anyways we go up to the first checkpoint.

Above and below the mesh cylinders we actually

have two paths, both that lead to the levels main mechanic, the magnets

But, this is very smart, even if you

slide to the left, slide to the right

it always always gives you an eclectic shield and immediately after you get it the magnets

are attracted to because you're really cute guy you know - I didn't wanna be weird

And again you learn what the mechanic does in a safe environment

And you're even rewarded if you manage to keep this shield with an alternate path that just gives you rings

Finally we fly to the top of the ship with these propellers

that were in the original Flying Battery. This is one of the last reoccurring

objects or mechanics in the level and they're pretty straightforward in how

they operate - they have rings to show you the way also

And did you notice?

We did a full tour outside, back inside, down, through, up and to the top of the Flying Battery.

The ink flows down into the dark puddle, how can I write love into reality?

I'll tell ya: with this level and its design

If I had to teach a class on Flying Battery to you BAM this is the course syllabus

and you got a good idea, you're gonna pass this class and you're gonna pass with FLYING colors.

So what? SO WHAT?!

They put all these at the beginning of the levels so you can

see how exactly they work in a safe environment so later in the second half

they can start remixing how they appear.

Let's take a look.

The monkey bars are now used in different areas with enemies and platforming,

these flame switches are used for going upward,

we see a bunch more of these meshes and more or less

the level gives you harder situations to navigate through, whether this means the

bottom of the ship with the platforming or the top of the ship with the propellers.

That sentence was like the Flying Battery like p-p-p-p-p

+A act 1, you're a class act!

Now that we've seen what this levels all about and mastered the familiar set

pieces, it's time to get serious.

Immediately it'll become apparent that act 2 is split into two distinct paths

but even here in the first minute of each of these paths you'll see all the

unique mechanics introduced in act 1

So don't blink ;)

But yeah it actually introduces all of this to you in the first minute so it can

get into the new stuff fairly quickly.

Act 2 builds on the whole upper and

lower decks of the ship with now an exterior interior crocodile alligator

But what's soley "new" in this act?

Well we have your favourite animes categorised into heaps

Electric fields powering the flying battery

Wind outside on top of the ship

These ball and chains and my personal favorite -

"Look at all those chickens!"

Now they don't just throw these new things at you

they ease into them similar to how they did in the first act.

Like the chickens, several of them have ring boxes behind them in case you do get sniped by

them so they don't totally kill you if you run into one of their bullets.

These electric field things also give you a freebie the first time you encounter

them so you can't see that you can destroy them but they also emit an

electrical charge that could hurt you.

When I went through this a couple times

it became very clear that they set up each of these distinct paths so they had

their own themes but when you collect all of them together whether that's the

propellers, the chickens defending it, or the bottom with the electrical system

it's very clear that they set all this up to really bring to life this airship

with all it's working parts and the theming is really good and I really

respect this compared to the original Flying Battery

I'm glad you asked, Mr. Cat.

No, I really wish you just got it but I have to explain for your dumb ass

but it can't be helped

Act 1 and 2 condition the player with mechanics,

enemies, set-pieces, situations, so they know how to handle them later

This is done so they can eventually remix these mechanics and eventually...

EVENTUALLY

Make it so platforming and going fast are one in one and it's really fun

And some people don't like this but Sonic levels are constructed so you go through the

slow sections, the platforming so you can get to the speed sections it punches you

right in the gut with all this dopamine and it just feels fantastic

My absolute favorite moment is this:

They show you can go on top of the ship, they show you

you can go on the bottom of the ship and that you can re-enter this ship.

So now you can do

ALL OF THE SHIP

I think I need another bath

And truthfully this whole level is

constructed so much better than the original Flying Battery. The original was

just slow and tedious - you know what I'm talking about - those dumbass elevators,

Thank God they didn't make a return

And even the bosses are just ...what is this?

This guy is hitting himself because he hates this level

and Eggman...

What is this pathetic shit? He's all

*Nasty Grunts and Tongue Noises*

Shut up! Go away!

??: Bleh...

RATSUKI: Who woke me up from my nap

Augh! A common sewer rat!

All in all Flying Battery is one of my favourite levels in Sonic Mania

because of how it took mechanics from the classic level and reworked them

and organize them to make it work in a speed based game. Of course that's really

challenging because many of these mechanics force you into slow methodical

platforming sections - It's just by how they're designed. Yet the Sonic Mania

team found a way to make these mechanics work without overstaying their welcome.

I know I've been spouting crazy stuff but with a game like Sonic Mania the nuance

is incredibly important. Not focusing on it can make a tedious, slow, and arduous

level but if you balance it, if you make the mechanics not overstay their welcome

and you make them work within a speed based game it can be a very dynamic and

enjoyable level and I just

There's nothing else to say - it's good!

Begone fiend!

So next time someone says Sonic Forces is

better than Sonic Mania, you hit 'em with the facts!

MORTY: Wow, it's so...

*sensual moans*

MORTY: My God, Oh Christ....

RICK: Uh, yeeeah. True level bitch.

Whew, I really, really liked making this video guys.

I don't know, the editing, the humor, I got to talk about one of my favourite levels in Sonic Mania.

It's just a good time all around, so if you liked this video, thank you.

If you liked the video, commented - Thank you!

Just in general, thank you to everyone who watches and comments, talks about my content and shares it.

It just, it makes me feel good that my stuff is resonating with you.

Because, I feel like this is my true nature, and people like it and it feels good.

Thank you to the Patrons as well, I know I talk to you on the server all the time on Discord but

Thank you all of you for continuing your support into this following month.

I'm thinking the next $10 reward will be keychains, and later in the year mugs?

I haven't decided

If you're interested in supporting me directly, Patreon is the best way - but you know

I DON'T NEED TO SAY THE SPIEL ANYMO'

I'mma get outta here, thank you all again for watching and I will see you HON the flipside.

For more infomation >> How Sonic Mania Makes a Level - Duration: 12:42.

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Traditional Vs ROTH IRA - Which Should YOU Choose? - Duration: 12:16.

Hey guys Daniel here from Next Level life and today I'm going to be tackling a big topic.

Today I'm going to be examining traditional IRAs and Roth IRAs and trying to determine

which one is actually better.

Or at least which one would be better for various situations.

Because as regular viewers of this channel will know my favorite answer of all time is

it depends.

Because in the personal finance Realm, a ton of your decisions will depend on your own

specific situation.

And that includes the answer to the question of which type of IRA is right for you.

Now I've noticed online that there's a lot of bits and pieces of information out there

but nowhere that I could find where you get the whole list of differences in one place.

So I'm going to make this video that place.

In this video, I'm going to be going really in-depth into the differences between the

Roth IRA and the traditional IRA.

But before I get into the differences between the two I want to briefly touch on the ways

that they're both the same.

Let's get started.

Both the traditional and Roth IRAs can be contributed to by minors and non-working spouses

as long as they meet certain special income rules.

The deadline for making contributions is April 15th.

And under most circumstances, as long as you have enough earned income, the amount that

you can contribute each year is $5,500 if your under the age of 50 and $6,500 if you're

over the age of 50.

And earned income is basically wages, salaries, and tips in most cases.

However things like union strike benefits, or in some cases long-term disability Benefits,

and self-employment income in some cases is also considered to be earned income by the

IRS.

However things like interest and dividends or social security or alimony or child support

are not considered to be earned income.

I also want to take a moment to talk about MAGI, because a lot of what I'm going to

talk about later won't make sense without it.

So how do you find out what your MAGI is?

Well that's really a two-part question because in order to find your MAGI you first have

to find your adjusted gross income.

And your adjusted gross income to put it simply is basically your gross income or the amount

of money you make in a year minus any deductions that you're able to take on your tax return

which can include IRA contributions, student loan interest, tuition and fees, HSA contributions,

and many other things besides.

And once you've got that number you have to add back in some of those deductions you took

out to get your adjusted gross income to get your MAGI.

Now in many cases, in fact in most cases, your AGI and MAGI will actually be identical.

However, I'll put a few things up on the screen, and if you deducted any of those things

on your tax return you would need to add them back into your AGI to find your MAGI.

So with that out of the way what are the differences between these two IRAs?

The first thing that everyone brings up when talking about the differences between these

two types of IRAs is the differences in tax treatment.

In a traditional IRA you can deduct some or even all of your contribution on your tax

return, whereas with a Roth IRA you can't.

However one thing that people often fail to mention when talking about the tax treatment

of a traditional IRA is that while in most cases you can deduct contribution, there are

some exceptions to that deduction rule.

For example if you're married filing jointly on your tax return and your spouse is covered

by a retirement plan at work and, as a couple, your MAGI is more than a $186,000 in 2017

but less than $196,000 you can only take a partial deduction on your tax return.

And if your MAGI is over $196,000, you actually can't take any deductions.

And this is the case even if you yourself are not covered by a plan at work.

Now if you're the one that's covered by a retirement plan at work instead of your spouse

the rules are slightly different.

If you're single or filing as head of the household and you make between $62,000 and

$72,000 a year you can claim a partial deduction but if you make more than $72,000 then you

can't actually deduction that year.

If you're married filing jointly or you're a qualifying widow or widower, then you can

claim a full deduction as long as you make $99,000 or less.

If you make more than $99,000 but less than $119,000 then you can claim a partial deduction.

And of course, anything more than that will stop you from claiming any deduction.

And of course you can't deduct your contribution for a Roth IRA, that's really the heart of

the difference between the two.

Roth IRAs are taxed now but can be pulled out tax-free later, whereas a traditional

IRA is usually tax-deferred now but then it would be taxed later when you pull the money

out.

A couple of other differences between the two plans is the ages at which you can actually

contribute to the IRAs.

For a Roth IRA you can actually contribute at any age however for a traditional IRA you

have to be under the age of 70 and a half in order to contribute.

Another difference between the two is how much you can actually contribute, and I don't

mean the contribution limits per year, under normal circumstances they're both the same

in that respect like I said before.

No, I'm referring to some other contribution limitations on Roth IRAs.

You see in 2017 if you're filing as single or head of the household and your MAGI is

more than $118,000 but less than $133,000 then you can only contribute a reduced amount

and I will give an example here in just a second.

And of course if your MAGI is over 133k then you can't contribute anything to the Roth

IRA.

If you're married filing jointly or a qualifying widow or widower making between $186,000 and

196,000 a year you can contribute A reduced amount and anything above that you can't contribute

anything.

With one exception known as the backdoor Roth IRA which is basically where you contribute

money to a traditional IRA but then convert it to a Roth IRA.

Now in order to figure out how much you can contribute to a Roth IRA (assuming you're

not going to use the backdoor method) I'm going to use an example.

Let's say that Bob is a single 45 year old lawyer who's doing pretty well for himself

with a MAGI of $120,000 per year.

As a result he does fall in between the 118k and 133k limits for a reduced contribution

to the Roth IRA.

How does Bob figure out how much he can put in?

First he has to start with his modified adjusted gross income and then because he is filing

as a single he must subtract 118k (it would be 186k if you were married filing jointly).

This leaves him with $2,000.

He must then take that divided by $15,000 (or $10,000 if he were married filing jointly).

Why?

I don't know it's just how the laws work.

But that leaves him with 0.1333 and so on.

He must then take that and multiply it by his contribution limit.

Which since he's 45 years old would be $5,500.

If he were over 50 years old it would be $6,500.

But he's not so .133 times $5,500 leaves Bob with $733.33.

And then the last step for Bob is to take his contribution limit of $5,500 and subtract

the $733.33.

This leaves him with his reduced contribution limit for the year at $4,766.67.

The next difference is penalties.

If you have a Roth IRA you will not pay penalties for withdrawals taken before the age of 59

and a half as long as long as those withdrawals are not more than the total amount you've

contributed yourself to the IRA.

So say if Bob from earlier had invested $5,500 a year into his IRA for the last 10 years

he would have contributed a total of $55,000 and he could now take up to that $55,000 out

without incurring any penalties.

However if he took any more than that you would be hit with the 10% Federal penalty

tax on the withdrawal of earnings.

So say he had a few huge medical bills and withdrew $60,000 from his Roth IRA.

He wouldn't get penalized on the first $55,000 that he took out because they were his own

contributions, however on the last $5,000 he would be hit with a 10% penalty or $500.

Whereas in a traditional IRA there's a 10% Federal penalty tax on withdrawals of both

the contributions that you withdraw and the earnings before the age of 59 and a half.

But of course it's finance so there's always an exception.

And in this case your withdrawals may not be subject to the penalty tax if it's due

to any of the following reasons you see on your screen.

Yeah Finance laws are unnecessarily complicated sometimes.

The next difference between the two types of IRAs is that the Roth IRA has no required

minimum distributions, but you must take a certain amount of money out of your traditional

IRA starting on April 1st of the year following the year you reach age 70 and a half.

So for example if your 70th birthday is may 20th, then you will be 70 and a half years

old in November of this year meaning you would need to take a required minimum distribution

from your IRA the following April 1st.

And then for every year after that you need to take it by December 31st.

The amount of the required distribution varies depending on your life expectancy.

The last thing that I want to talk about is inherited IRAs.

Now there are three ways to inherit an IRA if you're the account owner's surviving spouse.

You can either do what they call assuming the IRA as long as you're the only beneficiary

on the account.

And basically how the IRS treats it if you choose this option is they assume that the

IRA you received was yours all along.

Which means that you can add your own contributions to it and if it's a traditional IRA you won't

have to take any required minimum distributions until the year after you turn 70 and a half

like we discussed before.

The second option is to inherit the IRA.

Which could have been named better I mean come on, why is it that if you inherit an

IRA, inheriting the IRA is a term used for one of your three options.

They could have made that clear...

Anyway "inheriting" an IRA basically means that you're going to transfer the amount in

the IRA you received into a different IRA that is in your name.

Now if you do this you will have to begin taking the required minimum distributions

in the year following the previous IRA owner's death.

Which can be good if the spouse needs money right away, but it also means that the IRA

won't grow quite as much because you're no longer able to just keep letting it appreciate.

The third and final option is to disclaim the IRA which basically means you just refuse

to accept it either in part or in full.

But you're going to really want to fully think through the ramifications before doing that

because typically if you disclaim an IRA you can't change your mind later.

Now if you're not the account owner surviving spouse, you can still either inherit the IRA

or disclaim it, however if you choose to inherit it you must start taking the required minimum

distributions right when you inherit it under these circumstances.

But that'll about do it for me I hope you enjoyed the video and if you did or if you

learned something be sure to like And subscribe I've got a lot more of these Finance coming

out in the near future as well as some more book summaries and other fun stuff.

Also if you have any more questions about IRAs be sure to leave them in the comments

and I will do my best to answer them.

But with that being said, thanks for watching and have a great day.

For more infomation >> Traditional Vs ROTH IRA - Which Should YOU Choose? - Duration: 12:16.

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Region II Updates - Duration: 2:29.

Aloha!

We are your Region II Representatives and we are here in Hawai'i!

The beautiful warm weather here is amazing!

The sun is out, and the water is perfect.

You may wonder why we are here.

We are in Hawai'i for our three-day Board meeting.

We have discussed a number of things that concern and involve you.

We have had a very productive meeting.

In Region II – there has been a lot happening in various states in terms of legislative updates

since the new term began in 2018.

Most State Associations are focusing on passing a LEAD-K bill in their states as well as

other legislative issues.

We are here to help support you with these bills.

That's right, if you need anything, we're ready to serve you.

Some of you have new issues and challenges in your states, and we learn about those changes through

our monthly video meeting.

These meetings have shifted in leadership to allow the Region II SAAC chair to lead those meetings instead.

The monthly video meeting dialogues are going very well and we look forward to more in the coming months.

I am also involved with the Youth Strategy Team (YST).

We have discussed different ideas and ways to bridge the gap between the youth and the NAD.

For those of you who are between 18-30 years old, keep an eye out for exciting news coming your way.

I am involved with the Certified Deaf Interpreter (CDI) Taskforce.

I will share updates soon.

I also wanted to share that I am on the Bylaws committee for the upcoming NAD conference

in Hartford.

I will keep you posted!

Search www.nad.org for conference updates.

During the conference, I will be involved with the Youth Luncheon.

If you will be going to Hartford, join us at that luncheon!

For more infomation >> Region II Updates - Duration: 2:29.

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