News on Youtube Feb 9 2018

Welcome to Homebuyer's School,

brought to you by Brookfield Residential.

Hi everyone and welcome to another

edition of Homebuyer's School.

Today I'm joined by Mujtaba Syed,

a mobile mortgage specialist with

TD Canada Trust and today the question

we're gonna answer is:

How to get pre-approved for a mortgage

with a student loan or any other financial debt.

Yeah absolutely, so your current

financial obligations definitely plays a role in your pre-approval. Any debts

outstanding, it could be a student loan, it could be a car loan, it could be many

other things. So our pre-approval will actually help

you kind of get an idea. We'll break down what your payments are and we'll

actually help you decide what's the perfect home for you, if you're

comfortable with all your payments and the mortgage payment, that's the best

place to be. You should be able to kind of cover your current financial

obligations and also the mortgage. It also might even help you to kind of

decide, "should I pay off those loans first, should I pay off my student loans

or my car loan so I can get approved for a for, a larger mortgage to get you into

the perfect dream home." Once again, these are just great question to have with

your specialist. It's all about having that discussion and it should be

open-ended to kind of have that discussion and see exactly where you see

yourself to be. It should be a long-term goal, it should be a long-term plan and

really have that discussion with your specialist and lender.

How much do financial debts really

impact the ability to get pre-approved for

a mortgage?

Yeah absolutely, that's, like I said, it's

it's a very, very important part.

It could have a major impact on your

pre-approval depending on the debts that

you currently have, your repayment

history with that debt and many other

things. So it's, it's a very important step to

kind of get an idea of your financial obligations and should also factor into

your own monthly budget that you've kind of worked out for yourself after or

before you've seen that specialist, just find out exactly how much you want to

spend on your mortgage or on your home so you can actually stay on top of your

financial obligations. So I've heard a lot about this, an

insured mortgage. Is it a different process - first of all, what is it right?

What is an insured mortgage and is it a

different process in terms of getting a

pre-approval for it and why would I want

to get pre-approved for that?

Absolutely, so the process should still be the same. Insured mortgage is

technically just what we call default insurance on a mortgage. So in Canada

it's actually - it's a legal obligation if you're putting less than 20 percent

down to have default insurance, which is just - it just makes the bank's more

comfortable in lending to you. So without the default insurance you

need to come up with 20 percent down to buy a house which sometimes could be a

large amount. It could - it could actually take you a very long time to save up

that, but with default insurance it's a benefit to some clients

and to buyers. It gets you into market sooner with the minimum of 5% down and

get you out owning a home sooner. Does that, does that default insurance or

insured mortgage - does that, is a part of your monthly payment plan or do you

have to put it up front? Yeah absolutely, it could be done either

way. We could definitely build it right into your mortgage so it's not you part of your

payments or you could pay it up front. A lender will definitely ask you those

questions and say what meets your needs the best. If it's - if you feel like you

rather just pay for all at once and through your mortgage payment, they can

definitely add it or if you feel like you rather just pay it upfront, you can

definitely do it that as well. Do you have a choice? So let's say I want

to get pre-approved and I don't have my 20% right and I'll have you know generally

good credit score and you know, I meet all the criteria for the - let's

say; the bank or mortgage specialist. Can

I say, "Hey, I want to choose a insured

mortgage versus - or it's only for special cases?

Yeah so technically if you have less than

20% down, it's the only way to technically purchase a house is

get that insured mortgage. Once again, it is a benefit. Look at it as a benefit so

default insurance and it gets you into a home sooner and with that 5%.

sometimes you need to sit down and talk and say, "I could, I could save that 20%"

but saving that 20% keeps you up from getting into the market sooner where

you've technically missed out. You might have missed out any appreciation in the

market. How many more years of rent you might have had to pay to save up that.

Sometimes, it doesn't make sense to save that 20% and get in sooner. Once again,

it's a conversation to have with your

specialist and your lender to see what best fits your needs. If you want to get

in sooner or you can rather wait and get in later. It just depends on

your financial situation. Do you have anything else to add in terms

of insured mortgage or mortgages with financial debts?

Yeah absolutely, so there's a lot of benefits in getting an insured mortgage

and you can actually go on their websites.

One of the insurance providers in Canada

is called CMHC which is called the

Canadian Mortgage Housing Corporation.

They're very, have a very detailed benefit on

their website. It also gives you a lot of helpful tips on their website about

getting a home and buying a home. The

other one's called Genworth Insurance

and the other one is called

Canada Guaranty and they all provide

very similar things,

they might have little different things here and there but it's also a benefit

because there are certain guidelines that they can help you with.

If you're going through a hardship, most insurance companies have things built

into their insured mortgages where they can actually help you. They can help you

with your financial obligation, they can work with you, they can do other things,

so they can actually be very helpful to have.

Perfect, well thank you very much Mo.

Thank you very much everyone for joining us and we'll catch you next time.

That's another edition of Homebuyer's School.

Tune in next time for more expert tips

and tricks and visit

www.homebuyersschool.ca to bring you

one step closer to

finding your dream home.

As with everything, it would be great if you

like and share our videos. Also, please let

us know if you have any home buying

questions you want us to answer.

For more infomation >> How to get approved for a mortgage with student loans - Duration: 6:07.

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How To Study Effectively - Duration: 3:23.

Do you want to get good grades and overall make studying easier, If so, then you are

going to want to hear my study tips.

1.

Choose a Quiet Place to Study.

Avoid studying in front of the tv, with music on or in any loud environment.

It's a good idea to not study in your bedroom either.

Associating your bedroom with studying can lead to problems sleeping.

Try the library or a different part of your house instead.

2.

Turn off the Electronics.

Put your phone on airplane mode and if you're not using your laptop, close it.

This will reduce your temptation to get on social media.

If you absolutely can't stay away, there are apps such as Think and SelfControl that

will block social media sites for you.

3.

Know What Style of Studying Works Best For You.

Some people take information in through reading and others are more auditory.

If the later describes you, it's a good idea to not only read but to have a study

partner so that you can go over the information by talking, which will give you the ability

to take the information in my hearing.

I'm not telling you to do this but while I was at UCLA, I know a guy who rarely went

to class but right before a test.

He would partner up with me, go over the information out loud as he told me his understanding of

what we had learned.

Hearing himself put it all together was so effective that he would get even better grades

than I did and I was going to class regularly.

So know what kind of studying works best for you.

4.

Use Mnemonics.

Create songs or stories that associate all of the different things that you need to know

about something.

For example, if I am meeting a large group of people and I just meet somebody who is

named Barry and by chance he's a big guy.

My mind might think: Barry the bear.

That makes it easy to remember his name.

5.

Use a planner to help you stay on task.

As soon as you get an assignment, create a time-line with you defining how much studying

you are going to be doing per day up until your test.

It is important to be honest with yourself about how much work you are willing to do

each day, otherwise, it won't work.

6.

Plan on Completing Your Study Time Before It's Absolutely Necessary.

It's better to be done early than to crunch all the way up till test day.

This will help lessen pre-test anxiety.

7.

Schedule Breaks.

From time to time, it's important that you give yourself little breaks.

Your brain and eyes need time to relax and it's important that you get up and move

too.

Stretch.

It's a good idea to take 5 to 10 minute breaks for every 30 minutes to hour that you

study.

Everyone is different, so figure out what works best for you.

8.

Switch it up.

When you feel as though you have hit a roadblock, take a quick break and then switch to another

subject.

This will prevent you from going on autopilot, reduce boredom, and improve concentration.

Practice these tips and you will see a difference in your ability to focus and concentrate.

Like this video, then give it a like and be sure to subscribe to my Youtube channel for

more tips and mindsets that will help you reach your goals.

For more infomation >> How To Study Effectively - Duration: 3:23.

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How is John Kelly's credibility hurt by Rob Porter abuse scandal? - Duration: 6:30.

JUDY WOODRUFF: We return now to the resignation of a top White House aide following accusations

of abuse.

White House Staff Secretary Rob Porter stepped down after allegations of domestic violence

by his two ex-wives and photographs surfaced of his first wife with a black eye.

Chief of Staff John Kelly initially defended Porter and urged him to stay on the job.

Porter served in the White House over a year without a permanent security clearance, raising

questions about how much General Kelly and White House staff knew about the allegations.

Yamiche Alcindor is the "NewsHour"'s White House correspondent, and Chris Whipple is

author of "The Gatekeepers: How the White House Chiefs of Staff Define Every Presidency."

Welcome to both of you.

And, Yamiche, I'm going to start with you.

I have two main questions, but the first one is, why did Chief of Staff John Kelly continue

to defend Rob Porter, even after those photos were made available?

YAMICHE ALCINDOR: That is probably the most important question when looking at whether

or not John Kelly will keep the credibility that he came into office with.

I spoke to Hope Hicks today.

She's someone who is supposed to be romantically engaged with Rob Porter.

JUDY WOODRUFF: The White House communications director.

YAMICHE ALCINDOR: She's The White House communications director.

And she was supposed to be Rob Porter's girlfriend.

She told me that she could not answer any questions about how that statement was crafted

that initially had John Kelly calling him a man of integrity.

But the reporting that I have been doing essentially shows that John Kelly was -- that Hope Hicks

was very much involved in crafting that statement and that they were defending someone because

they thought that he had a good reputation, and that his girlfriend was helping do that.

The White House today said that there was that the chief of staff wasn't fully aware

of all of the things that Rob Porter was accused of, even after the picture.

So the question was posed to them, why after the picture would John Kelly still say he

has a couple more days, he's going the transition slowly, and then today he was packing his

bags?

JUDY WOODRUFF: But the other big question I think on people's minds, Yamiche, is, Rob

Porter worked in the White House over a year in the sensitive position, access to virtually

everything that goes across the president's desk, but he didn't have a permanent security

clearance.

He had an interim clearance.

The FBI, the White House said today, was still working on it.

How could that be?

YAMICHE ALCINDOR: Of course, we're a year into this presidency, and there are essentially

multiple people who are working in the White House with that same status.

The White House confirmed today that Rob Porter definitely was handling classified information

and that he was doing so much like Jared Kushner, who, of course, is the son-in-law of the president.

He also doesn't have a security clearance as of January 2018.

That means that there are multiple people who could have problematic backgrounds that

are operating in the White House.

The White House has said that there are background checks continuing and that Rob Porter was

one of those people who was still getting a background check.

But it's interesting that the FBI had already interviewed the ex-wives, and he was handling

classified information.

JUDY WOODRUFF: And he was doing his job.

Chris Whipple, you have studied chiefs of staff.

You have written a book about them.

What's your reaction to all of this?

CHRIS WHIPPLE, Author, "The Gatekeepers: How the White House Chiefs of Staff Define Every

Presidency": Well, you know, this has been for a year the most dysfunctional White House

in modern history, and it's hard to believe that it gets worse by the day.

But here we are.

And John Kelly was supposed to be the guy who would make the trains run on time in the

West Wing.

He famously said that he wasn't put on this Earth to manage the president.

He was simply in charge of managing the information flow to him.

Now, even by that very narrow definition of the job, which, by the way, is not sufficient,

he's failed.

You know, the idea that the staff secretary could operate for a year without a security

clearance is mind-boggling.

I spoke to two former Republican White House chiefs today.

Each was incredulous.

It just -- it isn't done.

JUDY WOODRUFF: Well, that was going to be my next question to you: How unusual is it

to have someone in a crucial senior position, the staff secretary, working side by side

with the chief of staff, without a permanent clearance, with the FBI withholding permanent

security clearance?

CHRIS WHIPPLE: Unprecedented, according to the people I have talked to, including, as

I say, two former White House chiefs, another very high-ranking Republican former Trump

White House adviser.

And so it's unheard of, but it's hardly the only thing, the only precedent that this White

House has shattered, after all.

I think that, you know, when I think of John Kelly, I'm reminded of Don Regan, who was

Ronald Reagan's disastrous second White House chief of staff.

Regan was imperious, he was arrogant, and he was also politically inept and oblivious.

It's no coincidence that the Iran-Contra scandal happened on his watch, as I describe in my

book "The Gatekeepers."

And I think Kelly shares some of those characteristics.

He's arrogant.

He's politically inept.

He loves to call everyone in Congress idiots.

This is a guy who has been out of his depth politically since he stepped up to the podium

in the White House Briefing Room and attacked Representative Wilson with a phony story.

JUDY WOODRUFF: I remember Don Regan well, having covered the Reagan White House.

Just quickly to you, Yamiche, finally.

What is Chief of Staff John Kelly's position now?

Is he going to be able to hang on to his job?

YAMICHE ALCINDOR: In the Trump White House, the person has their job for the time being.

Right now, the White House is saying that if the president loses confidence in someone,

that they will know it, which means that he could be either here for another four years

or three years, or he could be fired tomorrow.

The Trump White House has had a rotating cast of characters, and there is no way to tell.

I should tell you that I talked to a source who is very close to people inside the White

House, and staffers are really surprised and are really dismayed that John Kelly came out

with that statement supporting Rob Porter, because they feel as though it makes the whole

White House look bad.

And there is reporting that Trump is still mad about Michael Wolff's book, and that he's

not happy with the way that he's being portrayed in that.

Of course, all of this makes him look bad, which is really important to this president.

He wants to really look good for the American people.

And in this, he really looks bad and the administration looks bad.

JUDY WOODRUFF: Very tough episode.

Yamiche Alcindor, Chris Whipple, we thank you both.

CHRIS WHIPPLE: Thanks.

For more infomation >> How is John Kelly's credibility hurt by Rob Porter abuse scandal? - Duration: 6:30.

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Donald Trump Lied About How Much Money He Paid for Melania's Engagement Ring - Duration: 2:23.

For more infomation >> Donald Trump Lied About How Much Money He Paid for Melania's Engagement Ring - Duration: 2:23.

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Donald Trump lied about how much he paid for Melania Trump's 10-carat diamond engagement ring - Duration: 3:17.

For more infomation >> Donald Trump lied about how much he paid for Melania Trump's 10-carat diamond engagement ring - Duration: 3:17.

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Heejun (Han Hee Jun) reveals how much weight he lost since 'American Idol'(News) - Duration: 2:18.

Heejun (Han Hee Jun) reveals how much weight he lost since 'American Idol'

Heejun (Han Hee Jun) reveals how much weight he lost since American Idol.   Heejun (Han Hee Jun), a former American Idol and K-pop Star 3 contestant, revealed how much weight he has lost.

      During a recent interview, the artist opened up on his latest single album comeback which featured the title track Deep Inside.

He said, I always wanted to such a trendy genre but wondered, Would I be able to do it? I dont think I was ready until now. He continued, I lost about 10kg (approx. 22lbs) compared to my last album.

Since American Idol, I lost 39kg (approx. 64lbs). But I lost it in the span of 5 years so I did it in a fairly healthy way.

I stopped eating sugar, rice, flour, salt, and other white food while eating all kinds of vegetables and meat.   Heejun also spoke of the struggles he faced before becoming a singer in Korea, I applied at various companies but failed to make the cut in all of them.

I trained alone for about 2 years and eventually returned to America. After returning, he found the very popular show American Idol where he received positive feedback from the viewers and listeners alike as he reached top 9.    He said, Something unbelievable happened.

After receiving great reactions during American Idol, I was walking down the stairs and apparently I mumbled something that I couldnt even remember.

One of the staff later told me that I said something along the lines of, Is it possible for me to be this happy? It feels like a dream.     Did you enjoy Heejuns latest comeback?.