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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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 to Apply the 30-30-30-10 Rule of Revenue to Build a Profitable Business - Duration: 3:44.

Have you ever wondered how much you should be paying yourself

each and every month for running your business?

I've been helping a couple of my clients with their cash flow

to help set them up for success

to end off 2017 powerfully

and some of the clients are overpaying themselves

and some are underpaying themselves.

Well how do you know what the happy medium is?

It's a pretty straightforward equation.

You actually need to have a larger picture of what your numbers are.

You have revenue that comes into your business.

Let's just say one hundred dollars comes in.

You're overpaying yourself if you're taking that hundred out right away

because you've just made a hundred dollars.

Your business is the one who made the hundred dollars...not you.

Your payroll or your getting paid from your business

is an expense

that is a line item in your monthly budget.

So when a hundred dollars comes in,

what we want to be thinking is,

"What percent do we want to allocate to your salary?"

And if you pay yourself on a steady flow,

either maybe the 15th and 30th

or once a month,

or whatever works best for you and your family,

then you pay yourself that percentage

based on how much money comes in.

A really basic, easy equation if you really have no idea...

is to think about your business in terms of thirds.

30 percent goes into your government savings account,

if you will, or for your taxes.

That also gives you a little bit of a buffer for a rainy day fund

in case something comes up

because there's going to be unexpected costs that come up in your business.

So 30 percent is going to go there.

30 percent is going to go to your operating costs -

that's in running your business.

The software that you need,

any monthly expenses that you have,

any people who work for you.

It will help you understand how much you can afford to hire and outsource.

And then if you allocate yourself 30 percent of whatever comes in...

that leaves 10 percent.

What if you allocated that 10 percent to be your profit?

You see, so often I see people

wanting to pay themselves their profit...

but it doesn't work that way.

That means you're never going to be profitable.

There's never going to be anything left over.

A true profitable business has money left over at the end of the month

after all expenses have been paid...

including you!

So if you go 30-30-30-10

then that gives you a hundred percent of that hundred dollars.

30 dollars goes into your tax saving,

30 dollars goes into your operating fund,

30 dollars goes into your personal account

and 10 dollars sits as profit.

If you can run your business on a hundred dollars a month,

you can run it on 90 dollars a month

and you're not going to miss that 10 dollars.

But that allows you

to create and make and run a profitable business

which, as you and I all know, is one of our goals.

So allocate a percent of revenue

to what it is that you want to pay yourself.

A hundred dollars in is not a hundred dollars in your pocket

if you follow the really simple formula.

And listen, I know there's going to be differences

and everybody has their own individual situation,

but that just gives you

a very general way to allocate

the hundred dollars that comes in.

Think in your head - for every 100 that comes in...

I get 30 of it.

For every 1000 that comes in...

I get 300.

10,000...3000, etc.

It's just a great place to start

so you know that you're going to have enough money

to keep in business and your lights on.

Because you and I know how important your business is

and the impact that you're having in the world.

30-30-30-10!

Talk to you later!

For more infomation >> How to Apply the 30-30-30-10 Rule of Revenue to Build a Profitable Business - Duration: 3:44.

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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.