bobthebuilder2 3Speak Podcast: Recent Episodes
Bob the Builder
Listen and watch the latest videos from bobthebuilder2. Hosted by 3Speak.tv. The free speech video platform on the HIVE blockchain.
https://3speak.tv/watch?v=bobthebuilder2/fpbyotab
Today is the Day!!!
I have been saving my Hive so that I could be ready to buy some crates and open them up. In this video, I was able to get several Commons, Uncommons, and even some Epics...and one LEGENDARY!!!
I didn't get the OVERLORD but I have more crates to open...time will tell, but I'm extremely curious to find out who gets them...there are only a couple.
If you share your uncrating video, make sure to tag @psyberx and add the tags #uncrating and #psybercrate so that it will get the attention it deserves!
Background music in the video was provided by a program I have an Enterprise license to use.
https://3speak.tv/watch?v=bobthebuilder2/dlnhtqqd
I got this footage (with permission) from @dynamicrypto and @psyberx. It's a leak that you can find in the discord for the brand new game coming TO HIVE!!!!!
This is a play to earn (P2E) game that will rock your world. This is Splinterlands times 10,000! Forget that...What's Splinterlands?
If you've ever played Fortnite, you'll want to drop your ax, let go of your parachute, and leave that forsaken bus alone.
It's time you played in a real game! This isn't your mom's fortnite. This is...you better have a kevlar cup because you're about to have your balls bashed in by someone who will sic their K-Nine bot on you. If you haven't looked up Psyber-X and haven't noticed LVL in the hive-engine...you're missing out on a HUGE opportunity. There's too much to write here, so check out my other posts to get the DL. You won't regret it.
Don't miss Feb 6. You don't know what's happening? sucks to be you...
I suggest you better find us on Discord: https://discord.gg/U48S6Ng7XB You may end up making the best investment in your life... (not financial advice)
https://3speak.tv/watch?v=bobthebuilder2/elwcojzw
Guys, this is so much fun! I created this video to advertise my beard balm business. The product isn't for sale, yet. We're working with the manufacturer who will be making it for us. However, this is a great sneak peek into what we're going to advertise...
Too much fun!
https://3speak.tv/watch?v=bobthebuilder2/dmklcgoc
While I was raised in the southern United States, I have always loved the taste of horchata at the Mexican restaurants we would visit. With this love of horchata, I decided to make some myself.
It is very easy to make horchata...it just takes time a LOT of time...
Here's the recipe I used:
- 1 cup of rice
- 5 cups of water for every cup of rice
- 1/2 cup of milk, 1/2 tbsp of vanilla extract, 1/2 tbsp ground cinnamon, 2/3 cup of white sugar
You have to add the rice to the water and let it sit. All recipes I've looked at will say to have it set for no less than 3 hours. I suggest you leave it in the fridge overnight; however, before you put it in the fridge, you have to blend the rice with the water.
This makes the water cloudy, but it's getting the rice flavor into the water
After the many hours of waiting, drain the water into a pitcher and toss (throw away) the rice.
Mix the milk, vanilla, ground cinnamon, and sugar into the rice water. In the video, I used cinnamon sticks when I blended the rice, so I didn't add any ground cinnamon later. Using ground cinnamon seems much easier!
Chill the drink before consuming, or pour it over a glass of ice to make it very chilled.
I do not like horchata warm...I think it is amazing served cold! I left my water overnight in the fridge and it was plenty cold for me, but I still put it over some ice.
I hope you enjoy!
Don't forget to follow me and if you want me to make something else, mention it below!
img is from wikimedia commons
https://3speak.tv/watch?v=bobthebuilder2/jnfmjzrv
If you've never heard of hydrodipping, that's ok. I hadn't either until last year. Hydrodipping is when you take a bucket of water, spray the surface with spraypaint, then dip anything into it.
We tried cups, trophies, toy cars, and a cell phone case. Because the paint doesn't mix with the water and just sits on the surface, when you enter the material into the mixture, it makes for some really cool patterns. In some cases, the dip didn't turn out so well, but in others it was pretty amazing.
We tried to use items that were $1 items or so...really cheap stuff. There was a lot of audio in the background and I promised not to get any of the kids' faces in the video, so this is the result...
Enjoy and don't forget to follow me!
If you've ever done hydrodipping, comment below. If you have a pic, let me see it!
https://3speak.tv/watch?v=bobthebuilder2/jeyuwwpv
For years, I have wanted to build a go-cart. One of the things I needed to learn was how to fiberglass. In this video, I used fiberglass to repair my garage door where the metal was splitting.
It is a very easy process, but if you've never done it before, it may seem daunting. I break it down, making it very easy.
It consists of fabric, specifically used for 'fiberglassing,' epoxy, and hardener.
You can find the fabric I used here: https://amzn.to/3oK1CyJ
The Epoxy I used is made by West Systems, 105 is the epoxy and 206 is the hardener (link is a kit): https://amzn.to/3oKcwVy
I also recommend having some nitrile gloves, stirring sticks, and a bucket that is disposable.
Nitrile gloves: https://amzn.to/3fdhbvI
Stirring Sticks: https://amzn.to/3yxIHM6
Disposable Buckets for epoxy: https://amzn.to/3hNiiUT
Sandpaper: https://amzn.to/3ww10zo
With all your gear in tow, you're now able to fiberglass pretty much anything. You can hobby yourself right up to making a fiberglass boat, go-cart or whatever you want...just be careful! This stuff, once it sticks, it's there forever!
I used the fiberglass to fix a garage door. What do you want to fix? Wanna show me, reach out at http://www.WatchBobOnYouTube.com or tag me @bobthebuilder2 on Hive
https://3speak.tv/watch?v=bobthebuilder2/mdbtpuhn
While they make up a very small part of our population, I put forth the evidence that people who identify as transgender are the safest people in the world. We should all surround ourselves with people who are transgender to keep ourselves in the safest company ever!
Don't believe me? Look at the statistics: https://www.bjs.gov/content/pub/pdf/wo.pdf
https://3speak.tv/watch?v=bobthebuilder2/ciavkxpo
Once you know that you're ready to buy a home, the next step is to determine how much house you can afford. In this video, I discuss debt to income (DTI) for the mortgage payment and the suggested debt to income for all debts combined.
Lenders use a lot of different criteria to determine if you're a good risk to bet their money on. The higher your credit, the more they'll allow you to pressure yourself, debt-wise. Your job is to make sure you're informed enough that you're not forced into a loan that causes you to be "house poor." The higher you allow your debt-to-income to go, the harder it will be for you to make your monthly payment. The most conservative experts suggest you take on no more than 25% DTI (of your gross income) when getting a loan (that's with principal, interest, taxes, and insurance combined, or PITI). Your gross income is your income BEFORE any taxes, retirement benefits, medical, dental, etc. are taken out. Experts who are less conservative in their suggestions say to go no higher than 28% DTI for your PITI payment.
If you have other debts aside from what your mortgage payment will be, experts suggest not to go higher than 36% DTI when you factor both your debts and your PITI payment combined.
Once you know how much the amount that corresponds with the DTI you feel comfortable with, you can see how much mortgage you can afford. For instance, if you have $10,000 in monthly income before taxes and other paycheck deductions, 10K x 0.25 = $2500. That number is the highest you want to have as a PITI payment. Now that you know what your maximum payment can be, you'll need a mortgage calculator to run some numbers (this is the easiest way to do it). You'll want to use the current rates at the time of your search and make sure that the calculator includes taxes and insurance in its calculator. For taxes and insurance, figure about 2% of your loan each year. If you buy a $300K home, that means you'll likely pay approx. 6K each year in taxes and insurance. If you know what your actuals are, you can obviously use those instead, but this is a good starting point if this is the first time you've bought a home.
Now you know how much home you can afford, as far as the loan is concerned. You'll now need to make sure you have enough money to cover the down payment and expenses. Subscribe to see the video on that next.
http://www.WatchBobOnYouTube.com
https://3speak.tv/watch?v=bobthebuilder2/ylsalzhk
You think you're ready to buy a house...
In the last couple months, I have gone through the home buying experience again-not for an investment this time. By doing a series on buying a home, I hope to help anyone, not just investors, on purchasing their first house. It is not a small process-that's why it takes over 30 days for most people. In 2021 and on into the foreseeable future, this will be the process the majority of people will go through in purchasing a home and it is nice to have a guide lead you in the right way.
I have been investing in real estate since 2003 and was inspired by my parents and grandparents who owned multiple properties before then. I have lived through some doozie markets and am sharing my experience along with inspiration I get from other sites which have already set up the outline. While I did not come up with the 11 steps I'll be preparing videos on, I am giving you my thoughts and inspiration through my personal experiences and education.
I must give credit to Rocket Mortgage for writing the 11 steps. Their website: https://www.rocketmortgage.com/learn/how-to-buy-a-house
The 10 signs you're ready to buy a house (the first of the 11 steps):
- No More Debt
- Higher Credit Score
- Steady Income
- Recent increase in income/predictable increases in income
- Good savings/emergency fund
- Healthy Down Payment
- No large expenditures in the foreseeable future (starting a family/biz/school)
- Staying put for foreseeable future
- The house payment won’t make you house poor
- When you know what you want and how much of it you can afford
Credit: CreditSesame:
https://www.creditsesame.com/blog/mortgage/10-signs-youre-ready-to-buy-a-house/
Feel free to reach out to me if you have any questions at http://www.WatchBobOnYouTube.com or you can comment below. Thanks for watching and if you subscribed, thank you for that, too.
https://3speak.tv/watch?v=bobthebuilder2/atieshpi
You want a checklist for preparing your home for sale. One of the best ways to prepare your home for sale is to order a pre-sale home inspection. A pre listing home inspection will allow you to have a checklist of things to fix or repair before putting your house up for sale. This list, if followed as a checklist of what to repair and what to leave alone, can prepare you for how to get your house ready to sell in 30 days or less.
Home inspections usually cost between $300-$500 depending on what region your in. However, making a few changes here and there based on what they find will save you tons of time in negotiating with potential buyers and sets the stage for your house to be turnkey when the buyer walks in the door.
Are you selling a house that needs repairs or a house in poor condition? One of the best ways to be prepared to sell a house, especially if it needs repairs is to get a pre-sale home inspection.
What this entails is hiring a home inspector to give you a list of what needs repairs. Once you have this list, it is very easy to see what repairs are easy and cheap versus the ones that are going to pound your pocketbook. What you'll find, you'll need to disclose to your buyer, but it is much better to fix the small stuff before listing the home so that when the buyer comes in, there will be little to nothing to fix up. It essentially gives you a checklist. It is very easy to check with a contractor to get price estimates on how much everything will cost and give you an idea of what you're willing to take on versus what you'll leave for the buyer to take care of.
0:00 Intro
0:17 Purpose for getting a pre-sale home inspection
1:39 Hiring a home inspector
2:15 Why it is a good idea to hire a home inspector
Feel free to reach out to me via my website at http://www.WatchBobOnYouTube.com if you have any questions, comments, or concerns. You can also reach out via the comment section below!
Thanks for watching!
https://3speak.tv/watch?v=bobthebuilder2/hpqiiwmy
If you've ever considered buying a property to rent it out as an AirBnB, you'll want to watch this! You can earn a lot more money from short-term, vacation rentals than you can a long term tenant, when all things are considered. In this case, I showed a friend who is in a partnership how to take over the property with no additional money out of her pocket, and use the proceeds from the AirBnB to pay off the partners.
https://3speak.tv/watch?v=bobthebuilder2/lagzavgo
I love to metal detect. I also love sharing my findings with you and others. Enjoy!
https://3speak.tv/watch?v=bobthebuilder2/vwloduyv
The CFPB is predicting the possibility of a wave of foreclosures at the end of 2021. What does that mean for you? Buying opportunity or wait it out?
This information is to help in doing your due diligence. Make sure you consult with an expert before making any investments.
Source:
https://www.forbes.com/advisor/personal-finance/cfpb-proposal-no-evictions-until-2022/#:~:text=The%20CFPB%20proposal%20aims%20to,prohibited%20until%20January%201%2C%202022.
There are many sources-look up "CFPB wave of foreclosures" and see all the articles that pop up!
0:00 Intro
0:10 CFPB says Wave of Foreclosures
0:32 2007-2008 Market Wave
0:51 Covid-19 Moratorium on Foreclosures
1:25 How many people are not current on their bills
1:40 Effects of moratorium
1:57 Warning from CFPB to servicers
2:23 CFPB's suggestion to prevent foreclosures
3:08 What the lenders can do to prevent foreclosures
3:35 Current state of real estate market
3:58 Anecdotal evidence
4:18 Interest rates going up
4:30 Effects of stimulus payments
4:53 Potential effects of foreclosures
5:22 Housing shortage in California
5:55 Great time to sell
6:20 When you can start picking up properties
6:40 Best case scenario
6:54 Effects of current seller's market
7:18 Suggestions for making new videos
7:38 Series on buying a home
7:56 Outtro
http://www.WatchBobOnYouTube.com
https://3speak.tv/watch?v=bobthebuilder2/iydlmqjo
Before selling your house, you need to know a few things. I cover what the worst thing that could happen when selling your home as well as give you consideration of the things you should think about before listing your house for sale. Want to know how much money you'll make? First, you have to know what the lowest you're willing to take for your house and how much you'll be paying your realtor and the buyer's realtor helping in the transaction. This will likely be one of the largest transactions you'll ever have, so you need to know what is motivating you to sell as you might back out if you're uncertain.
http://www.youtube.com/realestateinvestingunmasked
http://www.WatchBobOnYouTube.com
0:00 Intro
0:10 Shoutout to Hive: Follow me on Hive: https://ecency.com/signup?referral=bobthebuilder2 or https://bit.ly/3e9H7Ib
Or find me on 3speak: https://3speak.tv/user/bobthebuilder2
0:25 Identify Your Reason for Selling
0:43 Reasons to Sell Your House
0:54 Getting Money Tax Free-how long should you live in a house before selling
1:46 Costs to Sell Your House
2:06 Worst that could happen when selling your house
2:15 How long a seller’s agent is connected to you
2:36 Know what you’re willing to negotiate on before listing
3:24 How to reduce the need for a moving truck when selling
3:48 Know what the lowest price is you’re willing to sell the house for
4:10 Outtro
https://3speak.tv/watch?v=bobthebuilder2/bnbtnfaw
When Covid hit, we had to come up with some games to pass the time during quarantine! Enjoy!
https://3speak.tv/watch?v=bobthebuilder2/drtozpan
If you've ever been jealous of someone who could grow facial hair when you couldn't, look no further! You too can get a 'stache! Givethatmanastache.com!