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Hi everyone and welcome to another
edition of Homebuyer's School, today I'm joined by Troy Champ, mortgage
advisor with the Mortgage Tree, and today the topic that we're looking to discuss
is, saving for a down payment on a house. So for the first question Troy is, how
much should I save on a down payment for a house?
Well the minimum down payment on
a house is 5% of the purchase price if your purchase price is under 500,000, the
best way to start saving for that is just with your personal savings. If you
don't have any money there, a great way to do it is through your RRSP's. You're
allowed to use your RRSP's as a first-time homebuyer so the nice thing
about investing money into your RRSP's is you get money back when you do your
income taxes which you can then reinvest into RRSP's to increase the amount of
your total down payment.
So is there any other ways besides an RRSP to save?
Well you can save through TFSA's,
your personal savings account and
sometimes the bank will even allow you
to borrow some of your down payment.
Okay, and when should I start saving for a down payment?
It's never too early to start saving, it does take quite a while to save up 5%
and I could say that if you are short, there are a few programs out there called a
flex down mortgage where you're able to borrow a portion or all of your down
payment as long as your credit meets their minimum requirements and that you
can debt service that loan payment.
And when you're looking at the flex down
payment, is that paid through the course of your mortgage?
So it's a separate loan
for a flex down mortgage, the loan for the down payment's
completely outside of the mortgage and you're just taking a personal loan and
using that towards the shortfall of your down payment.
Great. Is there other things you want to add in terms of
saving for down payment?
It's easiest to save monthly, and I think if you set monthly goals that's going to
make it much more attainable rather than if you have a yearly goal.
And for a first-time homebuyer, is this something that they should be saving
years out in advance?
Yeah it's going to take a few years to save when you're
looking at the average home in Calgary being over $400,000 takes quite a while
to save up that $20,000, so the earlier you start the better off it is.
Awesome, well thank you very much for the information. Thank you 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 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 save for a down payment on a house (and top tips to start saving) - Duration: 2:54.-------------------------------------------
How To Email Marketing (The Single Biggest Mistake Many Email Marketers Make) - Duration: 4:12.
the single biggest mistake many email marketers make and don't even realize it
hi Jason here and in this video you're going to learn the single biggest
mistake the email marketers make are you making this same mistake I know that
I've been guilty of it and I know how difficult email marketing can be if not
done right I've been there but this video will highlight the single biggest
mistake many marketers make so you can avoid it
okay without further ado let's talk email marketing
if you asked a group of marketers this simple question
when you send an email to your list what's your number one goal
what answer do you think you'd get?
to get readers to open it to get readers to read it to
give some useful info to build rapport to sell a product
those are all good answers
but they're also all wrong answers
of course you want them to open
the email read the email build some rapport maybe give some
useful info but none of these are your primary objective
so what is?
to get the click that's it
everything else is simply in support of that number one goal
ideally you want to train your list to click your links like mind numb robots
you want them to click automatically without thinking because
it's what they always do when they open your emails
you don't need to sell the product the sales page or video you send them to should do that for you
you don't need to tell them everything about the blogpost you're sending them to
the post will do that for you
so how can you improve your click-through rate?
give great information people will like you and
trust you if you give them great info that helps them clicking the link is
just a natural extension of that
show them the what but not the how
you might give them a really useful tip on what drives super targeted traffic but to
learn how to do it they need to click the link
don't always send them to sales letters
send them to fun stuff to show them your blog post your videos and even
other people's stuff now and then
and now and then surprise them with a free product
your email tells them a method to list build using Facebook
then you send them to a link that will give them 5 more list building methods
and when they click the link they see a very short sales page offering the product for free
how much do you think they love you right now
and what are the odds that they will click more of your links in the future just in case
there is another free product on the other side
of course your list and your niche may call for slightly different methods
but bottom line your primary goal of email
marketing is always to get the click because the more trained your list is to
click the more money you will make in the long run
I hope you found this video useful please like and leave a comment about whether you agree or disagree
about the importance of the click
and don't forget to subscribe to my channel
for more videos helping you to grow your online business and wherever you are in
the world have a great day
you
-------------------------------------------
How Much Is The Human Body Worth? - Duration: 3:31.
Hey there.
Welcome to Life Noggin.
Would you be willing to let some sketchy guy slice you open in his basement to harvest
one of your kidneys?
What if you were promised a nice chunk of money in return?
I really hope your answer is still no, but for some people, this payout is apparently
well worth the risk.
While my animated body is valued at basically nothing, your human bodies are pretty valuable.
Just how much is the human body worth?
Let's add it up.
Black market organ harvesting from dead and living people is an incredibly huge and lucrative
industry.
It's estimated to be worth a whopping one billion dollars.
In this market, kidneys alone are sold to people in need for about $140,000 a pop.
And some organs go for even more.
Take lungs for example.
Estimates value a set of lungs at almost $300,000!
And the almighty heart?
A whopping $595,000.
But the people selling to the black market are only paid a tiny fraction of these selling
prices.
The rest goes to the middle-men and women making the transactions.
And it's not just major organs, all kinds of valuable body parts are in demand on the
black market.
Do you think these 1s and 0s would go for anything, because i have a lot of them!
Underground organ sales and transplantations originally came about for a number of reasons,
but a major one is the fact that the legal organ transplantation system is seriously
lacking.
Recent estimates quote that there are over 100,000 people on transplant waiting lists
in the United States alone and 20 of them die waiting each day.
So, when people are desperate, sometimes they turn to the black market in a last-ditch attempt
to save their lives.
With $1 billion floating around this illegal market and massive organ shortages affecting
so many people, some are starting to question whether you should be allowed to sell your
organs.
Which got me to thinking, does anywhere allow this?
Kind of, yes.
In Iran, people can sell their kidneys through the government, which then gives them to patients
who need them.
This very progressive practice came into play in the 1990s in response to the huge shortage
of donated kidneys.
It's been extremely effective and now Iran is one of the few countries in the world without
a kidney shortage.
But it's more than major organs like kidneys and hearts that are in demand.
On the black market, skull and teeth sets are sold for about $1,200.
Small intestines, $2,500.
Blood, about $3,000.
Bones and ligaments add up to roughly $5,000.
Corneas clock in around $20,000.
And skin is also surprisingly valuable, with the average person's outer layer being worth
about $24,000.
All making you a pretty pricey product.
Now, keep in mind that these estimates are just that, estimates.
There's no official price list for black market organ sales.
But when we take all these price points into account, the human body seems to be worth
over $1,000,000 on the black market!
Does anyone want both my legs, because my animator can just give me new ones!
So how do you feel about all this!?
Would you ever consider donating your organs? or
let us know in the comment section below what we should talk about next?
Curious to know what happens after you die? Check out this video!
The bacteria in your gastrointestinal track will start to break down tissues and cells.
liquefying your body and producing horrific smelling gases like methane and hydrogen sulfide.
as always, my name is Blocko, this has been Life Noggin, don't forget to keep on thinking!
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