Thứ Năm, 7 tháng 12, 2017

News on Youtube Dec 7 2017

Did you know that 1 in 4 home purchases this year in the US

will be CoBuyers, or people who are pooling resources and getting a loan to

buy a home together? My name is Matt Holmes and I'm the co-founder of CoBuy

and I'm here to talk to you today about how to CoBuy.

So the first step is to decide

who you're gonna CoBuy with. So that can be a friend, a family member, a loved one,

or several. You're gonna come to our website at www.gocobuy.com

You're gonna determine some key things like what type of target property you're

looking for, but also some of the finer aspects of what effectively is going to

be a co-ownership arrangement.

From there, we're gonna help you predetermine your

eligibility as a group. We're gonna look at some of the financial inputs that

you've provided. Next, you're gonna speak to a qualified lender who's gonna help

you get to the pre-approval process. That's gonna put you in a competitive

position when you're ready to place an offer on a home. Next, we're gonna partner

you with a CoBuy certified real estate agent who has experience dealing with

CoBuys. They're gonna help you through the search, the negotiation, and the

transaction part of the process. When you've selected the perfect home and got

it under offer we're gonna take you through the CoBuy agreement. This is

where we get into the really fun stuff. We're gonna help you prepare a

co-ownership agreement. It's gonna stipulate all kinds of key decisions

that you've made as they pertain to your property. Who owns what? Who owns how much?

What happens if somebody wants to leave? From there it's on to closing. Boom!

You've just got the keys to your new home. We're also gonna take you through a

few added steps for extra protection like recording your agreement and also

looking at some of the options on the table like tailored insurance solutions.

The process of CoBuy can seem really complicated, but it doesn't have to be.

CoBuy is all about making it easier for you to get on the property ladder.

Buying a home with friends family or a loved one we were to make the process

simpler and more efficient. So check us out: www.GoBuy.com

For more infomation >> How To CoBuy A Home with Friends, Family or Loved Ones - Duration: 2:16.

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Estefania, School Social Worker Part 1 - What I do and how much I make - Duration: 8:28.

My name is Estefania Alves, I am 32 years old,

and I am a School Social Worker and Clinical Coordinator

at the Dearborn STEM Academy in Dorchester;

I make $120,000 a year, and $102,000 of that is

for my position as a School Social Worker,

and another, the $18,500 left is for my position

as the BUILD teacher, and BUILD is

an entrepreneurship program that is a part of the school.

The Dearborn STEM Academy is a school with 380 students,

we have students in grade six through 12,

we just graduated our first Senior class this year;

we focus on STEM, Science, Technology,

Engineer and Mathematics,

and we have students from all over the city,

and also they are immigrants, they are Spanish-speaking,

Cape Verdean Creole speaking, a whole different

set of backgrounds, very diverse.

I am responsible for all 380 students that walk through

the Dearborn doors, however, do I meet with 380 everyday

or all the time?

No; each year, I probably have a set of maybe 65 students

that I work with closely; my main role and my priority here

is to help students with their mental health,

there are a lot of different dynamics in the community

and their lives, in situations that happen that affect

their day to day living.

There's other triggers in the school, outside of the school,

so I need to ensure that they're here and they're

mentally prepared to receive their education,

that is my number one priority,

no matter what the issue is, whether it's homelessness,

whether it's poverty, whether it's an immigration issue,

whether it's a school issue, a conflict with the student,

whatever it is, I need to make sure that they're

mentally here and present to receive their education.

The typical project for me would be working with

the student support team, which includes

the Guidance Counselors, the school Psychologist,

the school Dean, the school Student Support Coordinator,

the Nurse; to pinpoint certain issues that a student

might be experiencing based on data that we are looking at,

for example, we might look at attendance and see

that a student has come into school tardy

every day of the week, or that a student has been out

10 times in the last 25 days,

that, right there is an indicator that something

might be happening.

We look at students who maybe are not dressed properly,

maybe coming in a little disheveled,

that's another indicator;

students who are not focusing in class, that would be

an indicator of maybe a student who has

some type of disability, or some type of issue

that is not allowing them to focus in class at the moment.

We have to figure out how do we best address each student

situation, and each situation requires a different strategy;

to do this job properly, you definitely need

some cultural competency, because I support students

who come from all different backgrounds,

and nationalities, so you want to make sure that

you understand them and their background a little bit

in order to best serve them.

Additionally, you need to show empathy, compassion,

be open-minded, be non-judgemental;

sometimes I find that the best way to build a relationship

with these students is to get on their level,

I think I benefit from that a little bit,

because I have younger siblings,

so I like to say I'm "hip," sometimes (laughing)

that definitely helps me, having younger siblings,

so being able to understand the world that they live in now,

the era that they're living in,

and supporting them based on the struggles and the way

the world revolves around them at this time.

It's not, you know, I like to say I'm still young at heart,

but the way I grew up is totally different

from the way that they grew up;

sure, we grew up in the same community,

but I didn't grow up with social media.

It's just creating a host of different problems

that come into the school, and that's their reality,

so I need to understand their reality.

So I make 120,000 annually, and I think that's a result

of the amount of years I have put in the district,

I'm going into my eighth year, and also because

I have two Master's Degrees;

in Boston Public Schools, you get compensated based

on the amount of years you have in the district

and the amount of education credits,

so that's why I'm at 120,000, but realistically,

I'm at 102,000 in Boston Public Schools,

because the other $18,500 comes from my BUILD pay,

so I get paid 18,500 for this program,

and I probably invest about 15 hours a week or more.

The 15 hours is split between my teaching,

my preparing to teach, staying after school

with the students, and in meetings with BUILD staff,

sometimes it's more than 15 hours, or in competition season,

I'm after school on extra days, manufacturing

with the students, making sure they're prepared

for their presentation, taking them shopping,

so anywhere from about 15 to about 25 hours a week.

Definitely not worth the money, but the outcome

is well worth it; I make an additional $7,000 a year

at this particular school, because we're currently

in turnaround status, which means

that we have more professional

development hours to meet, so we get compensated

for the extra professional development hours,

and for the extra school day hour that we have

embedded into our schedule,

so a turnaround school typically will make a little bit

over 7,000 extra in cash.

The most difficult part of my job is being in the middle

of situations where I have no control of,

so they often involve issues of things that have

already happened, for example, sexual abuse,

physical abuse, or issues where Department of Children

and Families are involved, and the family's broken up

as a result of something that already happened,

or even when a child is homeless, and I can't

immediately stabilize them; it's a process.

So I think those are the issues that affect me the most,

sometimes I go home, I think about it,

I know that I can't save every single child,

but just that extra level of concern,

it's over my head, often

and I try to do the best that I can

in the most time-effective way,

but it's not always the best outcome.

But I think I most enjoy seeing progress in the students

that I work with, oftentimes they don't believe

in themselves, or other people already have judgemental

attitudes towards them, so being able to see growth,

no matter how small, is really important,

because acknowledging to the student that you've

seen their growth goes a long way,

they need that to push them, and you'll see the students

continue to make incremental changes,

and over time, by the end of the year, it's like wow,

you know, you're not where most people

would want you to be, but you've come a long way.

And I think once they get to a certain point,

they have some of the skills to keep going

and get even further, so I think that's what's important,

and it takes time, not everyone will notice it all the time,

but because I work with the students often,

I notice it, and I'm often the first

to point it out to them, and I make sure that I speak

to their teachers, and say hey, you know, miss so-and-so

actually saw that you've been making progress, also,

so if the teachers don't say it to them,

I make sure that I say it for the teachers.

She's way different from other teachers;

some teachers you can't even have a conversation with,

'cause they're so serious, but Miss Alves,

she knows when to be serious and when

to be outgoing with students.

She's my second Mom, she represents my Mom here,

she was my teacher when I was a Freshman,

then she became my Counselor, and she's still by my side.

Looking at her and the way she is, her character,

how she faces a situation made you feel

like you want to be like her.

For more infomation >> Estefania, School Social Worker Part 1 - What I do and how much I make - Duration: 8:28.

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Here's How Much Girls' Generation YoonA's Airport Fashion Costs - Duration: 2:05.

Here's How Much Girls' Generation YoonA's Airport Fashion Costs

Interested in how much it will cost you to dress like YoonA? We have the exact figures for each piece of clothing.

Just in case you were beginning to worry about having to get yourself into debt or take out a huge chunk out of your current balance, have no fear.

It turns out that the combined price of all the pieces of clothing YoonA wore is completely affordable. Lets first take a look at the actual outfit below.

YoonA is wearing clothing made by H Connect. The color combination of ivory white and swede black gives an extremely chic and modern look. The coat costs 79,000 won (Approx. $7900), the turtle-neck knit sweater for 29,900 (Approx.

$2900),  and the trousers for 39,900 (Approx. $3900).That makes it a total of 149,700 won which would amount to around $14700-$15000 total for all the pieces of clothing that she is wearing, minus the bag and the suede boots.

You can visit H Connects official homepage for more products and information.

For more infomation >> Here's How Much Girls' Generation YoonA's Airport Fashion Costs - Duration: 2:05.

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How much will royal wedding cost? Meghan Markle and Prince Harry wedding plans REVEALED - Duration: 10:19.

For more infomation >> How much will royal wedding cost? Meghan Markle and Prince Harry wedding plans REVEALED - Duration: 10:19.

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Haute 1: Ebay: How Much Power Does Your Budget Have Over Your Style? - Duration: 9:15.

Hi-Lo dressing is not a salad dressing for bi-polar people.

Hi-Lo dressing means mixing high-end designer pieces with lower budget or mass market pieces.

Think of it as Marc Jacobs meets markdowns from Target, by mixing the two you can produce

stunning style results and many compliments.

Now the only question is, how do we get our hands on some designer pieces to make this

makeover happen?

This video series is called, "Haute Wheel", and we'll explore how to pull off high-end

dressing, and how to get the lowdown on low prices.

Get haute style for hot prices so we can begin sprinkling in designer pieces into our wardrobe.

Step right up folks and spin the wheel!

Hi-Lo can you go, Hi-Lo can you go.

So as I said before, Hi-Lo dressing is mixing high-end pieces with lower-end pieces.

So you see here, we have a skirt that is priced at $420.

Many people would consider that to be more of a high-end purchase, however, we've mixed

it with "what?!" this t-shirt from Target priced at $14.99.

You can see it makes a very stylish outfit, you will get tons of compliments, but we are

mixing the high-end with the lower-end to pull off this look.

Now again, many of us, we can't justify spending $420 on a skirt so we need to find a way to

get that price point a lot lower so we can actually do Hi-Lo dressing.

So this is where Haute Wheel comes in, where will the wheel land today?

You can see we have many options for securing deals to help us start sprinkling in these

designer pieces.

So let's see where will the wheel land today?

EBay, yes eBay that is where we're going to start our journey today, eBay.

So let me give you an idea of some deals that I have found on eBay.

So I was completely obsessed with these Stuart Weitzman boots, these pair of wedge over the

knee boots, absolutely gorgeous.

I found them much cheaper on eBay.

Also, although this isn't considered high-end pieces, a high-end piece I did find these

Zara motorcycle pants and was completely obsessed and had to go find them somewhere.

And when in doubt, go to eBay, somebody somewhere in the world had these and I was able to find

them.

I think these are actually shipped from Greece but I did manage to track them down because

they are gorgeous.

Okay, so how to use eBay.

For those of you who haven't used it before, this is a brief tutorial and I'm going to

show you how to actually shop on here so you can get some of those deals on some of those

designer pieces.

So if you have already shopped on eBay, you can just you know fast-forward through the

video.

Or maybe you shopped on eBay but maybe not for clothing or for shoes or accessories,

so this is a tutorial for you as well.

So you just go to eBay, eBay.com okay, and you're going to just type in the search bar

what you're looking for.

So if you're looking for designer pieces, I'm going to say "Jimmy Choo shoes".

Then, search results come up, they' look very similar to the ones shown here on the screen.

And so what I want to show you is some ways you can start to filter these results because

you will see there are many, many things that come up.

I think the results here are shown 10,905 results, that's way too many to go through.

We only care about ones that are our shoe size, so you can filter by your shoe size.

You can also, if you're looking for something that you just want to buy it right now, you

don't want to have to go through the process of bidding on an auction, you can just do

the "Buy It Now" if that's all you're interested in.

And lastly, you can filter by what kind of shoes, so if we were looking for boots you

can see over there on the left side of the screen that we can just filter for boots too.

So it helps to make it a lot easier to shop online and find exactly what you're looking

for, because it can be so overwhelming when you go on eBay.

So let's say we filtered for just the things we cared about okay?

So here we go, we've got shoes.

You know, some of you might be going "that's gross; I don't want to buy used clothing or

used shoes or accessories on eBay".

Perfectly fine, look here, you can filter for condition of the products.

So if you want something new with the box, you can filter for that, that means nobody

else's feet has been walking around in them all day long and it's like brand new.

So you can filter for that as well, okay?

So let's say you found these and you're completely obsessed, and you're like "okay, these are

it".

You can do "Buy It Now", see that option we filtered for that so that way it's just

like shopping at a store.

So if you're a little overwhelmed with "I don't know how to bid and do all the auctions

and all of that", you can just do "Buy It Now" option and look for those here.

The next thing you want to look at is there's a lot of fraud that happens on eBay, and what

I mean by fraud is I mean people say pieces are designer and they're not really.

So one of the other things you can look at is you may want to take a look at who the

seller is.

You can always click on there, look at the seller, look at what their ratings are, look

at the feedback they've gotten back from different people, and it'll help you to suss out if

the products are legit or not.

Another way to suss out if this is really Jimmy Choo shoes is you can take a look at

the pictures, take a look at the box, take a look at all that.

However, there are people that will produce these and make them look just like Jimmy Choo

shoes, meaning the box, with the bag, with everything.

But again, you want to look at feedback that the seller has gotten, so you can just scroll

down the screen and look at the feedback.

So those are things that I would look at to kind of see is this legit or not or are you

getting "fake" designer.

Sometimes people are perfectly fine with "fake" designer stuff and that's personal preference,

no judgment from me on that.

But I just wanted to point out some different ways so you can avoid that.

So here we go, let's make a Hi-Lo outfit.

So let's say you have scored some awesome Jimmy Choo shoes online at eBay, okay there's

your designer piece that's the "Hi" in the Hi-Lo.

Now, how do you go Lo?

Okay let's see; look at this awesome black dress, H&M $19.99.

Look at that, okay, and this dress I love this dress because almost anybody can wear

it the way that its cut it's very chic and very forgiving of almost any body shape right?

$19.99 at H&M and then you have the designer shoe, and then just some simple accessories;

some gold earrings, a gold ring, and a little, simple gold clutch and you are ready to go.

There you go, a Hi-Lo outfit using the designer piece you've secured for a lot less than what

most people pay for them right?

So this video series is all about introducing you to Hi-Lo dressings, helping you to secure

these designer pieces and to give you practice so you're more comfortable in actually going

to shop for these designer pieces.

So I have for you guys a scavenger hunt that you can go on using the resources that'll

be in this video series.

So the first one here, we've already gone on eBay right?

So let's get some practice in.

So for number one, you have to go on eBay and find a pair of shoes from one of the designers

listed below for under $250.

This is just to get you used to navigating eBay, using the filters, and finding deals

okay?

So you go download this scavenger hunt and you go "okay, I found a pair of Jimmy Choo

shoes for $243 on Ebay.com.

You've secured the first item in the scavenger hunt and maybe you actually come across something

you want to buy and Bam! you have a piece in your wardrobe that you can use for Hi-Lo

dressing.

Remember to download the scavenger hunt, just use the link below the video to download this

document.

As you can see, we have four other places I'm going to share with you on how to find

these deals so you can do Hi-Lo dressing.

Its lots of fun this scavenger hunt, it's basically just shopping, okay?

So there you are the very first resource to help us get some high-end pieces into our

wardrobe.

So that's it for this episode of Haute Wheel and where will the wheel land next?

Thank you for watching.

For more infomation >> Haute 1: Ebay: How Much Power Does Your Budget Have Over Your Style? - Duration: 9:15.

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Elm Law - How can I find out how much money my spouse has? - Duration: 1:13.

If you don't know how much money your spouse has,

then we can help you find out.

It's important to know exactly what your spouse's assets are,

because you need to know what their net worth is, for the calculation of equalization payments. What

equalization means is that you get a one-time payment from the spouse with a higher net worth to the spouse with the lower net worth.

Thus equalizing out your net family property.

Family law has disclosure requirements. That means every party has to show what their financial worth is.

Not everyone puts their cards on the table. Especially those people who are self-employed. So we are here to help

you know where to look. If you're still in the home,

you're in a much better position to protect yourself. If you have absolutely no idea

of the other person's finances, you want to put a plan in place to get the information that you need.

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